Community Connect Federal Credit Union

What Community Connect Federal Credit Union does

Community Connect Federal Credit Union is a federally chartered, not-for-profit, member-owned credit union headquartered at 1050 East Spring Street in Titusville, Pennsylvania. Originally chartered in 1956 as Cyclops Titusville Federal Credit Union to serve employees of Universal Cyclops Specialty Steel Division, the institution expanded its field of membership through the 1980s and 1990s and was rechartered as a community credit union on September 1, 2017, with NCUA approval to serve Crawford, Forest, Warren, and Venango Counties in Pennsylvania. Membership is open to individuals who live, work, worship, volunteer, attend school, and to business entities within these four counties. Operating status is active, with a single physical branch, a 24/7 telephone banking line, and digital channels including a Mobicint-powered online banking platform and mobile applications distributed via the Apple App Store and Google Play.

The credit union offers a standard retail banking product set: share/draft checking with no minimum balance, regular share savings, Christmas Club, money market, share certificates (6–48 months), traditional and Roth IRA share accounts, and IRA certificates. Lending products include new and used vehicle loans (rates from 4.75% APR for 2023–2026 models, terms to 84 months), motorcycle loans, recreational vehicle loans, share-secured loans, unsecured personal/signature loans (from 9.00% APR), and home mortgages originated through a third-party portal. Card services comprise a low-interest VISA credit card with Verified by Visa authentication, and GAP insurance is offered alongside. Distribution partnerships include TruStage Insurance (auto/home/life), American Income Life, NADA Guides, CARFAX, CO-OP Credit Unions (ATM/shared branch network), Main Street (check reordering), TransUnion, and the National Foundation for Consumer Credit.

The business model is a cooperative retail-depository model: revenue is generated primarily from net interest spread between deposit pricing and loan yields, supplemented by transaction-based service fees (overdraft privilege $30 per item, NSF $25, wire transfer $25, late payment $25, money orders $5, certified checks $5, account research $50/hour). Loan rates are credit-score- and term-dependent, with a 0.25% autopay discount and a direct-deposit/payroll-deduction requirement for the best posted rates. Marketing is community-led and relationship-driven, relying on the local branch, Facebook and X (Twitter) channels, a quarterly email newsletter, and community sponsorships such as the David L. Weber Memorial Garden. There are no external investors, parent company, or venture backers; governance is exercised by a volunteer Board of Directors elected by the membership, and the institution is federally insured by the NCUA.

Name

Community Connect Federal Credit Union

Legal name

Community Connect Federal Credit Union

Website

https://communityconnectfcu.com

Company type

Private

Founded year

1956

Operating status

Operating

Headcount range

1–10 employees

Short description

Community Connect Federal Credit Union is a federally chartered, not-for-profit member-owned credit union serving individuals and businesses in Crawford, Forest, Warren, and Venango Counties, Pennsylvania from its Titusville headquarters, offering deposit accounts, consumer and mortgage loans, credit cards, and insurance distribution.

Ownership category

akta.pro rank

Product category

Retail Banking (Credit Union)

NAICS

Credit Unions (52213)

SIC

Savings Institution, Federally Chartered (6035)

akta.pro primary industry

Community Credit Unions (Retail/Consumer Focus) (FSABAEAA)

akta.pro secondary industry

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

Keywords

• Retail banking services
• Consumer lending products
• Credit union membership
• Deposit account services
• Mortgage loan products

Headquarters

HQ city

Titusville

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, Infrastructure, Marketing or Sales

Revenue model

1. Loan Interest Income: The credit union generates primary revenue from interest earned on loans including new and used vehicle loans, mortgages, personal loans, motorcycle loans, recreational vehicle loans, and share-secured loans. Interest rates vary by loan type and creditworthiness.
2. Service Fees and Charges: Revenue from various service fees including overdraft privilege fees ($25 per item), NSF fees ($25 per item), late payment fees ($25), wire transfer fees ($25), money orders ($5 per item), certified checks ($5 per item), and account research fees ($50 per hour).
3. Deposit Account Revenue: Revenue generated through the spread between interest paid on deposits and interest earned on loans. The credit union offers various deposit accounts including share savings, money market accounts, Christmas club accounts, IRA accounts, and share certificates with varying interest rates.

Pricing tiers

Go-to-market motion1 record

Distribution channels5 records

Marketing channels6 records

Core offering

Community Connect Federal Credit Union is a not-for-profit, member-owned federal credit union offering deposit products (share/draft checking, Regular Share Savings, Christmas Club, Money Market, Share Certificates, IRA accounts and certificates) and consumer loan products (new and used vehicle loans, motorcycle and RV loans, personal/signature loans, share-secured loans, and home mortgages through a third-party portal). The credit union also provides VISA credit cards, GAP insurance, and TruStage partner insurance products, and operates a single branch in Titusville, PA with MobiCint-powered online and mobile banking channels serving members in Crawford, Forest, Warren, and Venango Counties, Pennsylvania.

Product overview

Community Connect Federal Credit Union offers a comprehensive suite of financial products centered around traditional credit union services. The core offering consists of share/draft checking accounts and multiple savings products including Regular Shares, Christmas Club, Money Market, Share Certificates, and IRA accounts/certificates. On the lending side, the credit union provides vehicle loans (new/used cars, motorcycles, RVs), home mortgages through a third-party portal, personal/signature loans, and share-secured loans. Card services include low-interest VISA credit cards with Verified by Visa protection. Insurance products are offered through TruStage partnerships including GAP coverage for vehicles. Digital banking is delivered through a Mobicint-powered platform with mobile apps for Apple and Google devices. The credit union serves members in Crawford, Forest, Warren, and Venango Counties, Pennsylvania, operating as a not-for-profit member-owned institution.

Differentiator

Problem solved

Functional benefit

Segments1 record

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration3 records

Partnerships

Seven partnerships are on record, tiered minor.

• TruStage InsuranceminorGTM or Marketing PartnerTruStage Insurance products are linked through the credit union website, offering auto, home, and life insurance to members. The partnership provides additional financial products beyond core banking services.
• NADA GuidesminorGTM or Marketing PartnerNADA vehicle pricing guides are linked on the Useful Links page to help members with vehicle purchase decisions. Provides trustworthy vehicle pricing information.
• CARFAXminorGTM or Marketing PartnerCARFAX vehicle history report service is linked on the Useful Links page to help members make informed used vehicle purchases.
• CO-OP Credit UnionsminorChannel Partner/ Reseller/ DistributorCO-OP Credit Unions provides ATM locator services and network access for credit union members, enabling broader ATM access across the credit union network.
• Main Street (Check Reordering)minorChannel Partner/ Reseller/ DistributorMain Street provides check reordering services through a linked portal on the credit union website for member convenience.
• TransUnionminorGTM or Marketing PartnerTransUnion credit reporting is linked under debt counseling/sources of information to help members access their credit information.
• National Foundation for Consumer Credit (NFCC)minorGTM or Marketing PartnerNFCC debt counseling services are linked under sources of information to provide members with consumer credit counseling resources.

Scale indicators2 records

Recent moves8 records

Expansion highlights5 records

Broad incumbents

• Pennsylvania State Employees Credit Union (PSECU): Statewide Pennsylvania credit union serving state employees and broader community with comprehensive digital banking and lending products. Larger incumbent offering overlapping deposit and loan products statewide.
• First Commonwealth Bank: Pennsylvania-headquartered community bank with branch presence across western and central PA offering deposits, mortgages, consumer loans, and digital banking. Broader incumbent competing for similar consumer banking relationships in PA markets.
• Northwest Bank: Regional bank with significant branch presence in northwestern Pennsylvania offering deposit accounts, consumer loans, mortgages, and digital banking services. Competes directly for banking relationships in Community Connect FCU's core geography.

Direct peers

• Clearview Federal Credit Union: Pennsylvania-based community credit union providing full-service banking including checking, savings, auto loans, mortgages, and credit cards to members across multiple counties. Directly comparable community-focused member-owned institution with similar product mix.
• Citadel Federal Credit Union: Pennsylvania-based community credit union offering deposits, mortgages, auto loans, and credit cards to members across multiple PA counties. Comparable member-owned institution with similar product breadth and regional focus.
• Erie Federal Credit Union: Northwest Pennsylvania community credit union headquartered in Erie serving members across the region with deposits, lending, and digital banking. Directly comparable geographic and product overlap with Community Connect FCU's NW PA footprint.
• Franklin Area Federal Credit Union: Pennsylvania-based community federal credit union serving Venango County area (which overlaps with Community Connect FCU's field of membership) with deposit accounts, consumer loans, and digital banking. Direct geographic peer competing for similar member base in NW PA.
• Members 1st Credit Union: Pennsylvania-headquartered community credit union serving members across multiple counties with full-service banking products and branch network. Direct peer operating in overlapping PA geography with similar community-charter focus.
• Mercer County Community Federal Credit Union: Small community federal credit union serving members in Mercer County, PA with similar deposit and consumer loan products. Directly comparable as a similarly-sized rural PA credit union with community charter.
• Service 1st Federal Credit Union: Pennsylvania-based community federal credit union offering similar deposit, loan, and mortgage products to members in defined geographic fields of membership. Directly comparable as a similarly-sized community chartered credit union serving PA markets.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights7 records

Customer concentration

• Xx.com/CommconnectFCU
• Facebookfacebook.com/CommunityConnectFCU

Revenue estimate

Valuation estimate

Number of profiles

Profiles13 records

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 Community Connect Federal Credit Union