Paradise Valley Federal Credit Union

What Paradise Valley Federal Credit Union does

Paradise Valley Federal Credit Union is a member-owned, federally chartered not-for-profit credit union founded in 1957 and headquartered in National City, United States. The institution delivers retail banking services to its defined field-of-membership, including deposit accounts, loans, credit cards, debit cards, electronic payments and electronic statements, supported by a website at paradisevalleyfcu.org.

The credit union operates with a small staff of 11-50 employees from a single-city footprint, consistent with a community-scale institution rather than a regional or national player. No native mobile application is disclosed in the input data, and the technology stack is described only in functional terms — core banking, card issuance, e-payment and e-statement delivery — with no proprietary platform, API, SDK, or integration ecosystem identified. There are no disclosed integrations, AI/ML capabilities, certifications, patents, or partnerships.

As a federal credit union, the entity is regulated by the National Credit Union Administration (NCUA) and operates as a cooperative whose members are simultaneously customers and owners. Revenue mechanics are not disclosed but, consistent with the credit-union model, would derive from net interest income on the loan portfolio funded by member share deposits, plus ancillary fee income from cards and transaction services. No pricing, customer-segment, or revenue-figure disclosures are available in the input material.

Name

Paradise Valley Federal Credit Union

Legal name

Paradise Valley Federal Credit Union

Website

https://paradisevalleyfcu.org

Company type

Private

Founded year

1957

Operating status

Operating

Headcount range

11–50 employees

Short description

Paradise Valley Federal Credit Union is a member-owned, federally chartered community credit union founded in 1957 in National City, offering retail banking, loans, cards, and electronic payment services to its defined membership.

Ownership category

akta.pro rank

Product category

Retail Banking

NAICS

Credit Unions (522130)

SIC

Savings Institution, Federally Chartered (6035)

akta.pro primary industry

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

Keywords

• Retail banking services
• Consumer lending
• Credit cards
• Debit cards
• Electronic payments

Headquarters

HQ city

National City

HQ country

United States

HQ region

North America

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Core offering

Paradise Valley Federal Credit Union is a not-for-profit, member-owned cooperative financial institution founded in 1957 that provides retail banking, consumer loans, credit cards, debit cards, electronic payment services, and electronic statements to its members. Operating as a federally chartered credit union, it serves individual consumers in and around National City, California.

Differentiator

Problem solved

Functional benefit

Products and services

• Banking Services
• Loans
• Credit Cards
• Debit Cards
• Electronic Payments
• Electronic Statements

Ideal customer profiles1 record

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Recent moves2 records

Direct peers

• Mission Federal Credit Union: San Diego-based federally chartered community credit union offering full-service banking, lending, and card products to local members. Closely comparable in geography, charter type, and member-serving business model.
• California Coast Credit Union: Southern California community credit union offering deposit, loan, and card products to a regional membership base. Comparable as a similarly sized, community-rooted FCU with overlapping geographic footprint.
• San Diego County Credit Union: Largest community credit union in the San Diego region with broad retail banking and lending offerings. Directly comparable as a community-focused credit union operating in the same San Diego / National City geography with similar member services.
• North Island Credit Union: San Diego-headquartered community credit union offering a full suite of retail banking services. Comparable as a same-market FCU of similar scale competing for overlapping community members.
• Cabrillo Credit Union: San Diego-area community credit union serving a defined local membership with deposit and lending products. Comparable in scale, charter, and San Diego market focus.

Broad incumbents

• Golden 1 Credit Union: One of California's largest credit unions, offering comprehensive retail banking and lending. Operates in the same broader California market with overlapping community-banking value proposition, but at significantly greater scale.
• SchoolsFirst Federal Credit Union: Large California-based federally chartered credit union serving school employees and broader community. Comparable as a California FCU with similar product set, though much larger and with a defined occupational membership charter.
• Navy Federal Credit Union: The largest U.S. credit union, federally chartered, with a comprehensive retail product set. Operates in the same federal-charter / depository space as Paradise Valley FCU, though serving a much larger defined membership at vastly greater scale.

Emerging players

• Alliant Credit Union: Digital-first, nationally focused credit union offering competitive deposit and lending products with strong online and mobile channels. Comparable product set but differentiated by digital-first delivery and broader geographic reach.
• Connexus Credit Union: Nationally operating digital credit union offering deposit, loan, and card products with strong member value proposition. Comparable product offerings; positioned as an emerging alternative to traditional community FCUs on digital experience.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat3 records

Key risks5 records

Key highlights5 records

Customer concentration

• Xx.com/PVFedCU

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 Paradise Valley Federal Credit Union