Infuze Credit Union

What Infuze Credit Union does

Infuze Credit Union is a Missouri-chartered, member-owned financial cooperative headquartered in Waynesville, Missouri, operating five branches across Central Missouri (Waynesville, Fort Leonard Wood, Lebanon, Rolla, and Osage Beach) with a stated origin in 1954. It provides a full suite of retail and small-business banking products including checking, savings, share certificates, money market, IRAs, auto loans, personal loans, HELOCs, home equity loans, mortgages, recreational/powersports loans, credit cards (Platinum and World Mastercard), commercial real estate loans, and business term loans and lines of credit. Insurance products (auto, GAP, life, homeowners, renters, pet, umbrella, debt protection, recreational vehicles) are offered through a partnership with TruStage Insurance Agency.

The digital platform comprises an online and mobile banking suite with mobile check deposit, digital wallets, peer-to-peer payments, bill pay, video banking, and interactive teller machines, with member deposits insured by the NCUA up to $250,000. Distribution is augmented by the CO-OP shared branch and ATM network, giving members effective nationwide access.

Monetization follows the standard credit union model: net interest margin on the loan portfolio (auto, mortgage, HELOC, personal, commercial) funded by member deposits, supplemented by interchange and fees on credit card operations and ancillary service fees. Pricing is competitive within the regional market (3.51% APY on 12-month share certificates, 4.89% APR auto loans, 3.99% introductory APR on HELOCs). The primary customer segments are military personnel and families near Fort Leonard Wood, Central Missouri community residents across Pulaski, Laclede, Phelps, and Camden counties, and small businesses in the same region, with member acquisition supported by a Refer-a-Friend program, community engagement, and digital marketing.

Name

Infuze Credit Union

Legal name

Infuze Credit Union

Website

https://infuzecu.org

Company type

Private

Founded year

1954

Operating status

Operating

Headcount range

11–50 employees

Short description

Infuze Credit Union is a member-owned financial cooperative operating five branches across Central Missouri, serving military families near Fort Leonard Wood, local residents, and small businesses with deposit, lending, mortgage, and insurance products distributed via digital, video, and CO-OP channels.

Ownership category

akta.pro rank

Product category

Retail Banking

NAICS

Credit Unions (52213), Credit Unions (522130)

SIC

Functions Related To Depository Banking, Nec (6099), Personal Credit Institutions (6141)

akta.pro primary industry

Military & Veterans Credit Unions (FSABAEAI)

akta.pro secondary industry

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

Keywords

• Retail banking services
• Consumer lending
• Mortgage loans
• Credit union services
• Deposit accounts

Headquarters

HQ city

Fort Leonard Wood

HQ country

United States

HQ region

North America

Offices5 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

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

Revenue model

1. Interest Income on Loans: Primary revenue source from interest charged on various loan products including auto loans, mortgages, personal loans, home equity products, and business loans.
2. Interest on Deposits Investment: Revenue generated from investing member deposits (checking, savings, money market, certificates) and lending those funds to borrowers.
3. Fee-based Services: Various banking fees including potential charges for account services, transactions, and specialized banking services.
4. Credit Card Operations: Income from credit card operations including interchange fees and interest on revolving balances.

Pricing tiers

Go-to-market motion1 record

Distribution channels6 records

Marketing channels7 records

Core offering

Infuze Credit Union is a member-owned financial cooperative providing retail banking, lending, mortgage, and insurance products to individuals and small businesses in Central Missouri. It operates five branch locations with a focus on the military community near Fort Leonard Wood, complemented by digital channels including online/mobile banking, video banking, and interactive teller machines.

Product overview

Infuze Credit Union is a credit union providing comprehensive banking and financial services to members in Central Missouri, primarily serving the Waynesville, Fort Leonard Wood, Lebanon, Rolla, and Osage Beach areas. The product portfolio consists of core banking services organized into Personal Banking (checking, savings, certificates), Online & Mobile Banking, Business Banking, Loans (auto, personal, home equity, commercial, powersports), Mortgage, and Insurance Products. Digital services include Video Banking and Interactive Teller Machines. The credit union also offers specialized products like Hero Savings and Hero Loans for military and first responders. Insurance products are offered through TruStage Insurance Agency partnership. Membership is available through various eligibility criteria including military affiliation and community residency.

Differentiator

Problem solved

Functional benefit

Products and services

• Personal Banking
• Online & Mobile Banking
• Business Banking
• Auto Loans
• Home Equity Line of Credit (HELOC)
• Personal Loans
• Powersports & Recreational Loans
• Hero Loan
• Home Equity Loan
• Lines of Credit
• Credit Cards
• Commercial Real Estate
• Business Term Loans
• Line of Credit for Businesses
• Mortgage
• Insurance Products
• Life Events & Estate Planning
• Video Banking
• Interactive Teller Machines

Named customers2 records

Segments3 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration1 record

Feature7 records

Partnerships

One partnership is on record.

• CO-OP Financial ServicescoreChannel Partner/ Reseller/ DistributorPartnership providing access to CO-OP shared branch and ATM network, allowing Infuze Credit Union members to conduct transactions at thousands of locations nationwide.

Scale indicators2 records

Recent moves6 records

Expansion highlights6 records

Broad incumbents

• USAA Federal Savings Bank: Financial services provider exclusively serving military members, veterans, and families. Direct overlap in military-affinity positioning and insurance/banking product breadth, but national footprint and brand scale dwarf Infuze's regional presence.
• Alliant Credit Union: Digital-first national credit union serving a broad community charter. Comparable on full digital banking stack (mobile, video, online account opening) and competitive deposit/loan pricing, but operates at materially larger scale than Infuze.
• Navy Federal Credit Union: Largest U.S. military-affiliated credit union, serving active duty, veterans, and DoD civilians. Comparable in military-community niche and full-service product breadth, but vastly larger in scale and geographic reach — a broad incumbent versus Infuze's regional military focus.
• PenFed (Pentagon Federal Credit Union): Federal credit union serving military, government employees, and affiliated groups. Highly comparable in military/government membership model and full-spectrum deposit/lending products, but operates nationally at substantially larger scale.
• Randolph-Brooks Federal Credit Union: Texas-headquartered credit union with deep military roots and broad consumer/military membership. Comparable in military-affinity targeting and deposit/lending product set, operating across multiple states at a scale several multiples of Infuze.

Direct peers

• First Missouri Credit Union: Missouri-based community credit union with comparable small-scale full-service offerings including deposits, consumer loans, and digital banking. Closest direct peer in terms of size, geography, and product breadth.
• Educational Community Credit Union: Missouri community credit union with select-field membership including university and community partners. Overlaps with Infuze's Rolla-area presence and similar small-institution cooperative model with consumer deposit and loan focus.
• Mid Missouri Credit Union: Community credit union headquartered in Central Missouri serving individuals and businesses across the region. Direct peer given overlapping Central Missouri footprint, similar size tier, and broadly equivalent deposit/lending product set.

Regional players

• Shelter Insurance Financial Services: Missouri-based insurance and financial services group with regional brand recognition. Comparable as a Central Missouri financial services provider, though primarily insurance-distribution rather than credit union depository/lending.
• Central Bank (Central Missouri): Mid-sized regional bank with branch presence across Central Missouri. Comparable geographic footprint and consumer/SMB banking offerings, but operates under a commercial bank charter rather than credit union cooperative structure.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights6 records

Customer concentration

• Xx.com/infuzecu
• Facebookfacebook.com/infuze.cu
• Instagraminstagram.com/infuze.cu?igsh=bWFlbzNnNzdhY2s3

Compliance1 record

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 Infuze Credit Union