Kettering Health Network Credit Union

Name

Kettering Health Network Credit Union

Legal name

KH Credit Union

Website

https://khnetworkcu.com

Company type

Private

Founded year

1964

Operating status

Operating

Headcount range

11–50 employees

Ownership category

akta.pro rank

Product category

Retail Banking

NAICS

Credit Unions (522130)

SIC

Functions Related To Depository Banking, Nec (6099)

akta.pro primary industry

Employer/Occupational Credit Unions (FSABAEAB)

akta.pro secondary industry

Bank & Credit Union Personal Loans (Unsecured Installment) (FSAKAAAL)

Keywords

• Credit union services
• Consumer banking
• Auto loans
• Mortgage lending
• Share certificates

Headquarters

HQ city

Dayton

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Operations, Technology or R&D, Marketing or Sales, Infrastructure

Revenue model

1. Interest Income - Loans: Primary revenue from interest charged on auto loans, mortgages, signature loans, and credit cards. Offers competitive rates starting at 4.24% APR for auto loans.
2. Deposit Taking and Interest Expense: Accepts member deposits including checking, savings, and share certificates, paying interest to members and using deposits to fund lending operations.
3. Service Fees: Various service fees including those associated with checking accounts, notary services, money orders, and other branch services.
4. Insurance Products: Offers Affinion Group Insurance products as part of financial programs available to members.

Pricing tiers

Go-to-market motion1 record

Distribution channels5 records

Marketing channels4 records

Core offering

KH Credit Union is a member-owned financial cooperative founded in 1964 that provides banking and lending services exclusively to Kettering Health healthcare workers, their families, and associated networks. The credit union offers deposit products (checking, savings, share certificates), consumer and mortgage lending (auto loans, mortgages, signature loans, Visa credit cards, home equity loans), business banking services, and digital banking channels (online and mobile banking with mobile deposit).

Product overview

KH Credit Union operates as a single-institution credit union offering a comprehensive suite of financial products and services. The core offerings include deposit products (checking, savings, share certificates) with multiple account tiers (Free Checking, KH Perks Checking, KH Perks Plus Checking), loan products (auto loans, mortgages, signature loans, Visa credit cards, home equity loans, business loans), and digital banking platforms (online banking, mobile deposit). Additional services include shared branching, notary services, money orders, and insurance products through Affinion Group. The institution primarily serves Kettering Health healthcare workers and their families, providing accessible financial services through both digital channels and a physical branch network.

Differentiator

Problem solved

Functional benefit

Products and services

• Auto Loans Vehicle financing for members of the Kettering Health Network Credit Union, with rates as low as 4.24% APR and pre-approval available.
• Mortgage and Refinancing Loans Home mortgage and refinancing solutions to purchase or restructure residential property for eligible members.
• Signature Loans Unsecured personal loans available to members without collateral requirements.
• Visa Credit Cards Credit card products bearing the Visa brand for member purchasing needs.
• Checking Accounts Tiered checking account offerings for members, including Free Checking, KH Perks Checking, and KH Perks Plus Checking with progressive benefits and features.
• Savings Accounts Standard savings accounts, goal-based Club Accounts (including Vacation Club), and term Share Certificates with fixed rates for members seeking guaranteed returns.
• Business Banking Services Business Checking, Business Savings, and Business Loans for business members and small business owners associated with the Kettering Health network.
• Home Equity and Line of Credit Loans Home Equity Loans and revolving Lines of Credit secured by home equity for various member financial needs.
• Shared Branching Service Access to the CO-OP shared branching network allowing members to conduct transactions at thousands of other credit union locations nationwide.
• Money Orders and Notary Services Money order and notary services provided at branch locations for member document authentication and payment needs.
• Online and Mobile Banking Digital banking platform enabling members to access accounts, transfer funds, view statements, manage finances online, and deposit checks remotely via mobile device.
• Affinion Group Insurance Products Insurance and protection products made available to credit union members through the Affinion Group partnership as value-added services.

Quantifiable outcome

• 62 years of continuous operation serving the healthcare community
• +1 more outcomes

Named customers1 record

Segments3 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature3 records

Partnerships

Three partnerships are on record, tiered core and minor.

• CO-OP Shared BranchingcoreChannel Partner/ Reseller/ DistributorCO-OP Shared Branching is a credit union service organization that allows KH Credit Union members to conduct transactions at thousands of other credit union locations nationwide. This partnership extends the physical service reach beyond KH Credit Union's single branch location, providing members with convenient access to branch services while traveling or living outside the Dayton area. The partnership is displayed through Co-op shared branch logos on the website footer.
• Affinion GroupminorOthersAffinion Group provides insurance and protection products offered to KH Credit Union members through the financial programs section of the loan center. This is a product licensing arrangement where Affinion Group products are made available to credit union members as value-added services.
• Kettering HealthcoreStrategic or Co-development PartnerKettering Health is the hospital network whose employees form the credit union's membership base. The credit union was founded in 1964 by hospital employees specifically to serve the healthcare workers. This is a foundational partnership where employee membership drives the credit union's entire business model.

Scale indicators2 records

Recent moves6 records

Expansion highlights5 records

Regional players

• Wright Brothers Federal Credit Union: An Ohio-based community credit union serving the Dayton-area workforce and broader community. Regionally comparable as a competing local depository institution targeting similar consumer and small-business banking relationships in the Dayton market.

Direct peers

• MIT Federal Credit Union: Employer-affinity credit union serving MIT employees, students, and affiliates with deposit accounts, lending, and digital banking. Comparable to KH Credit Union in operating model — closed-membership, employer-anchored credit union with deep community ties.
• Wright-Patt Credit Union: Headquartered in Fairborn near Dayton, OH, WPCU is the largest credit union in the Dayton region. It is directly comparable as a regional employer/community-based depository institution competing for the same Kettering Health employee households and broader Dayton-area banking relationships.
• SchoolsFirst Federal Credit Union: One of the largest credit unions in the US, serving California school employees and their families through a single-affinity (employer) membership model with full retail banking services. Highly comparable as an employer-affinity credit union model serving a defined occupational community.
• H-E-B Federal Credit Union: Employer-affinity credit union serving H-E-B employees and their families with deposit, lending, and digital banking. Directly comparable as an occupational-charter depository institution tied to a single corporate sponsor's workforce.
• HealthCare Associates Credit Union: Texas-based credit union serving healthcare professionals and their families with deposit accounts, lending, and digital banking. It is the most directly comparable peer given its healthcare-employer membership base and similar employer-affinity charter.
• Affinity Plus Federal Credit Union: Minnesota-based credit union serving a defined occupational and community membership base with consumer and business banking. Comparable to KH Credit Union in operating a defined-affinity, member-owned depository institution offering the same core suite of products.
• BCU (Baxter Credit Union): A large employer-affinity credit union serving employees of select companies and their families with full-service consumer and business banking. It is comparable to KH Credit Union as a model employer-based depository institution, though operating at much larger scale.

Broad incumbents

• Suncoast Credit Union: One of the largest credit unions in Florida with a broad community-based membership but full-service consumer and business banking. Comparable as a digital and branch-based full-service credit union competing for similar relationship-based household banking products.
• Connexus Credit Union: A digitally-led, nationwide credit union offering consumer lending, deposits, and mortgages with shared branching. Comparable as a technology-forward digital credit union operating with a comparable product suite to KH Credit Union, applying pressure on digital experience expectations.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks5 records

Key highlights5 records

Customer concentration

• Xtwitter.com/KHCreditUnion
• Facebookfacebook.com/KHCreditUnion
• Instagraminstagram.com/khcreditunion
• LinkedInlinkedin.com/company/kh-network-credit-union

Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Kettering Health Network Credit Union