Fresno Police Department Credit Union

What Fresno Police Department Credit Union does

Fresno Police Department Credit Union (FPDCU) is a member-owned financial cooperative established on December 3, 1954, headquartered at a single branch at 1004 N. Van Ness in Fresno, California. The credit union serves nearly 3,000 members drawn principally from a defined occupational niche: active and retired Fresno Police Department officers, City of Fresno municipal employees who are members of FCPA, FCEA, or FPOA professional associations, the Clovis Police Officers Association, airport safety officers, chaplains, Citizens on Patrol, and extended family members. It holds over $50 million in assets and is not federally insured; deposits are covered by American Share Insurance up to $250,000 per account.

FPDCU operates a standard credit union banking platform consisting of deposit products (Regular Share, Share Draft checking, Christmas and Vacation Club accounts, Super Saver, CDs, and IRAs) and lending products (auto/boat/RV/motorcycle/ATV loans, unsecured signature loans, Visa Classic/Platinum/Secured credit cards, share-secured loans, and mortgages). Mortgages are originated through a referral partnership with OceanAir/Dreams-Fresno Police rather than in-house. Electronic banking is delivered via a web platform and iOS/Android mobile app supporting remote deposit capture, bill pay, eStatements, and TransferNOW A2A transfers; members also access 30,000+ surcharge-free ATMs through the Co-Op Credit Union network. Check ordering is routed through Harland Clarke and insurance products are cross-sold via TruStage.

Revenue is generated primarily through net interest margin on the loan portfolio (auto, unsecured, credit card, secured, and mortgage-referral fee income), supplemented by deposit-related fees (membership fee, IRA maintenance), transactional fees (wires, overdraft/courtesy pay, stop payments, document copies), and interchange on debit card usage. The credit union employs roughly a dozen staff under CEO Bob Shaffer and CFO Steve Petersen, with a volunteer Board of Directors and Supervisory Committee overseeing governance. Marketing is primarily digital — website (fpdcu.org), Facebook, and partner-driven loan and insurance funnels — reflecting reliance on member referrals within the law enforcement and municipal employee community.

Name

Fresno Police Department Credit Union

Legal name

Fresno Police Department Credit Union

Website

https://fpdcu.org

Company type

Private

Founded year

1954

Operating status

Operating

Short description

Fresno Police Department Credit Union is a member-owned credit cooperative founded in 1954, serving nearly 3,000 Fresno Police Department officers, City of Fresno municipal employees, and their families from a single branch in Fresno, California with over $50 million in assets.

Ownership category

akta.pro rank

Product category

Retail Banking

NAICS

Credit Unions (52213)

SIC

Personal Credit Institutions (6141)

akta.pro primary industry

Employer/Occupational Credit Unions (FSABAEAB)

akta.pro secondary industry

Public Sector & Municipal Credit Unions (FSABAEAK)

Keywords

• Credit union banking
• Consumer lending
• Mortgage loans
• Share savings accounts
• Mobile banking services

Headquarters

HQ city

Fresno

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. Interest Income from Lending: Primary revenue stream from auto loans, personal loans, mortgages, credit cards, and secured loans. Rates vary by loan type and creditworthiness.
2. Deposit Services: Membership fees ($5), share account maintenance, with no monthly service fees for most accounts
3. Fee-based Services: Various fees including wire transfers ($15 incoming/$30 outgoing), ATM fees for non-network usage, overdraft/courtesy pay fees, stop payments, document copies, and loan-related fees
4. ATM Network Access: Free access to Co-Op ATM network of 30,000+ ATMs for members

Pricing tiers

Go-to-market motion1 record

Distribution channels5 records

Marketing channels4 records

Core offering

Fresno Police Department Credit Union is a member-owned financial cooperative offering deposit accounts (Regular Share, Share Draft checking, Club accounts, Super Saver, CDs, IRAs), consumer loans (auto/boat/RV, unsecured signature loans, Visa credit cards, secured loans, and mortgages via partner), and electronic banking services (online banking, mobile banking, bill pay, eStatements, A2A transfers). The credit union serves approximately 3,000 members primarily in the Fresno, California area, with membership eligibility tied to law enforcement and municipal employment.

Product overview

Fresno Police Department Credit Union operates as a single credit union institution offering a unified suite of banking products and services. The core offerings span deposit accounts (Regular Share, Share Draft checking, Club accounts, CDs, IRAs, and Super Saver), lending products (auto/vehicle loans, personal signature loans, Visa credit cards, secured loans, and mortgages through a third-party partner), and electronic banking services (online banking, mobile banking, bill pay, eStatements, A2A transfers, and debit cards). Insurance products are available through a TruStage partnership. The credit union serves approximately 3,000 members with over $50 million in assets and emphasizes its roots as a credit union established in 1954 for Fresno Police Department employees and eligible family members.

Differentiator

Problem solved

Functional benefit

Named customers4 records

Segments4 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration6 records

Feature5 records

Partnerships

Five partnerships are on record, tiered core and minor.

• Co-Op Credit UnionscoreTechnology or IntegrationPartnership provides members with access to over 30,000 surcharge-free ATMs nationwide through the Co-Op ATM network. Members can locate ATMs using the co-opcreditunions.org locator tool.
• American Share InsurancecoreOthersDeposit insurance partner covering member deposits up to $250,000 per account. This is the primary insurance backing for member deposits, supplementing standard credit union insurance.
• TruStage InsuranceminorGTM or Marketing PartnerInsurance products offered through TruStage, including no-cost coverage options marketed to credit union members. Partnership includes marketing campaign tracking codes.
• OceanAir / Dreams-Fresno PolicecoreChannel Partner/ Reseller/ DistributorMortgage origination partner for the credit union. Provides full mortgage product suite including conventional, jumbo, FHA 203(k), VA, USDA loans, and CalHFA downpayment assistance programs.
• Financial-NetcoreTechnology or IntegrationOnline lending platform provider enabling members to apply for loans through the credit union's website. Handles internet loan applications.

Scale indicators4 records

Recent moves8 records

Expansion highlights4 records

Direct peers

• LAPD Federal Credit Union: Direct peer serving Los Angeles Police Department personnel and their families with share accounts, vehicle and personal loans, and Visa credit cards — mirroring FPDCU's narrow occupational charter and product structure.
• San Francisco Police Credit Union: Direct occupational peer serving San Francisco police officers, sheriff's deputies, and law enforcement employees with a near-identical product mix (deposits, auto loans, Visa credit cards, mortgages) and a similar community-led field-of-membership model.
• Municipal Credit Union: New York-based occupational credit union serving municipal employees with deposit accounts, consumer loans, mortgages, and credit cards — directly analogous to FPDCU's City of Fresno employee membership focus.
• SchoolsFirst Federal Credit Union: California-based occupational credit union serving school employees and their families, with a similar community-led model, comparable member-base size tier, and overlapping deposit/lending/Visa product suite.
• Police and Fire Federal Credit Union: Nationwide first-responder credit union with a comparable occupational charter (law enforcement and fire personnel), offering the same core deposit/lending/Visa product set as FPDCU but at substantially larger scale.

Regional players

• SAFE Credit Union: Northern California community credit union with a much larger asset base offering the same core retail banking, auto lending, Visa credit card, and mortgage products that FPDCU provides to its Fresno members.
• California Credit Union: Statewide California community credit union providing the same core retail banking, vehicle lending, Visa credit card, and home loan products that constitute FPDCU's full product stack.
• Patelco Credit Union: Bay Area-based California credit union offering deposit accounts, consumer and auto loans, Visa credit cards, and mortgage products — directly overlapping FPDCU's product set from a much larger balance sheet.

Emerging players

• Digital Federal Credit Union (DCU): Large digital-first credit union competing for the same retail deposit, consumer lending, and Visa credit card relationships that FPDCU serves, but with substantially stronger mobile/digital capabilities and no branch dependency.
• First Tech Federal Credit Union: Occupational credit union with a comparable niche-membership charter model, offering deposit accounts, auto and personal loans, Visa cards, and mortgages through a primarily digital delivery model — representing the digital-native trajectory FPDCU could pursue.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat3 records

Key risks6 records

Key highlights6 records

Customer concentration

• Facebookfacebook.com/profile.php

Revenue estimate

Valuation estimate

Number of profiles

Profiles15 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 Fresno Police Department Credit Union