Lewis Clark Credit Union

What Lewis Clark Credit Union does

Lewis Clark Credit Union (LCCU) is a federally insured, not-for-profit member-owned credit union cooperative founded in 1939 by teachers from the Lewiston and Clarkston school districts, now operating under a community charter covering Clearwater, Idaho, Latah, Lewis, and Nez Perce counties in Idaho plus all counties in Washington. The institution is headquartered at 604 Bryden Avenue in Lewiston, Idaho, and operates five physical branches across rural northern Idaho and eastern Washington with a 42-person staff, serving approximately 13,000 members. As of 2023, LCCU held $240 million in assets, up from $214 million in 2022 and $180 million in 2020, and carries Low-Income Designated and CDFI-certified status with the U.S. Treasury.

LCCU's core products span consumer and small-business banking: free checking accounts (no monthly fees or minimum balances), savings products including IRAs and certificates, Visa credit and debit cards with digital wallet support (Apple Pay, Google Pay, Samsung Pay, Fitbit Pay, Garmin Pay), the LCCU Cards App for mobile card management, and a lending book that includes new and used auto loans, mortgages (originated via partnership with Consolidated Community Credit Union), HELOCs, RV/boat/motorcycle loans, signature loans, debt consolidation loans, and commercial loans. Technology infrastructure underwent a full core system provider conversion completed in early 2024. Distribution combines direct branch banking with the CO-OP shared branching network (30,000+ surcharge-free ATMs nationwide), online account opening, mobile banking, and an indirect auto-lending channel that cross-sells balance-sheet products to new members at a near-20% rate.

Revenue is generated primarily through net interest income on the loan portfolio (interest income on auto, mortgage, HELOC, commercial, credit-card, and personal loans) plus fee income from account services and interchange. As a cooperative, earnings are returned to members via better deposit and loan rates rather than distributed to shareholders. Go-to-market is community-led: membership is open to anyone who lives, works, worships, volunteers, or attends school in the charter area, with member acquisition driven by a streamlined online application, Switch Kit onboarding tool, branch presence, indirect auto lending, and community-engagement programs including the Miracle Golf Tournament, Ham-A-Palooza food-bank fundraiser, Teacher Grant Program (up to $500 per semester), and an annual scholarship program. LCCU also partners with GreenPath Financial Wellness for free member financial counseling and with TruStage for insurance distribution.

Name

Lewis Clark Credit Union

Legal name

Lewis Clark Credit Union

Website

https://lewisclarkcu.org

Company type

Private

Founded year

1939

Operating status

Operating

Headcount range

11–50 employees

Short description

Lewis Clark Credit Union is a federally insured, not-for-profit member-owned cooperative founded in 1939, operating five branches across rural northern Idaho and eastern Washington. It provides consumer and small-business banking — deposits, auto loans, mortgages, HELOCs, credit cards, and commercial loans — to approximately 13,000 members within its community charter.

Ownership category

akta.pro rank

Product category

Community Retail Banking

NAICS

Credit Unions (52213)

SIC

Savings Institution, Federally Chartered (6035)

akta.pro primary industry

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

Keywords

• Community credit union
• Consumer banking services
• Consumer lending products
• Retail financial services
• Digital banking platform

Headquarters

HQ city

Lewiston

HQ country

United States

HQ region

North America

Offices5 records

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 (Loan Portfolio): LCCU earns interest income from its loan portfolio, including auto loans, mortgages, HELOCs, commercial loans, credit cards, and personal/signature loans. As a not-for-profit cooperative, earnings are returned to members through better rates.
2. Fee Income: The credit union generates fee income from account services including overdraft fees, ATM fees (though many are surcharge-free via CO-OP), wire transfer fees, and other account-related charges. Many core checking services are free (no monthly service charges, no minimum balances).
3. Savings/Investment Products: Revenue from share accounts, money market accounts, IRAs, and certificate accounts where members deposit savings; the credit union leverages these deposits to fund its lending activities.

Pricing tiers

Go-to-market motion2 records

Distribution channels7 records

Marketing channels7 records

Core offering

Lewis Clark Credit Union is a member-owned, not-for-profit credit union cooperative that provides full-service retail banking and lending to individuals, families, and small businesses across northern Idaho and eastern Washington. Core products include free checking, savings (regular, money market, IRAs, certificates), Visa credit and debit cards, auto loans, mortgages, HELOCs, recreational vehicle loans, signature loans, debt consolidation loans, and commercial loans. Digital channels include online banking, the LCCU Cards mobile app, CO-OP shared branching, and digital wallets (Apple Pay, Google Pay, Samsung Pay, Fitbit Pay, Garmin Pay), supplemented by financial counseling via GreenPath and insurance via TruStage.

Product overview

Lewis Clark Credit Union (LCCU) is a federally insured credit union serving members in northern Idaho and eastern Washington since 1939. The company operates as a not-for-profit financial cooperative offering a comprehensive suite of banking products. The core offerings include Checking and Savings deposit accounts, along with Visa Credit and Debit Cards featuring digital wallet compatibility (Apple Pay, Google Pay, Samsung Pay, Fitbit Pay, Garmin Pay) and the LCCU Cards App for mobile account management. On the lending side, LCCU provides Auto Loans, Mortgage Loans through partnership with Consolidated Community Credit Union, Home Equity Lines of Credit (HELOC), Boat/RV/Motorcycle Loans, Signature Loans, Debt Consolidation Loans, and Commercial Loans. Additional services include Personal Investments and Wealth Management, Financial Fitness counseling through GreenPath partnership, TruStage Insurance products, Online Banking with Bill Pay, Financial Calculators, a Teacher Grant Program (up to $500/semester), and an LCCU Scholarship Program (five $1,000 scholarships annually). The company also provides community-focused programs including security education and financial wellness resources.

Differentiator

Problem solved

Functional benefit

Products and services

• Checking Accounts Free checking accounts with no monthly service charges, no minimum balance requirements, and no hidden fees, including mobile and online banking, remote deposit, debit card, unlimited check writing, and bill pay.
• Savings, Money Market, IRA and Share Certificate Accounts Deposit products including regular savings, money market accounts, IRAs, and certificate (CD) accounts to help members save for the future at competitive rates.
• Auto Loans New and used auto loans offered directly by LCCU and through indirect dealer relationships, with competitive rates (as low as 10.00% APR for new autos in the cited rate sheet) and seasonal promotional pricing.
• Visa Credit Card Visa credit cards with no annual fee, balance transfer options, and a 1.99% APR introductory rate for 12 months on balance transfers, with full management via the LCCU Cards App.
• Visa Debit Card Visa debit cards linked to LCCU checking accounts with contactless payment capability and digital wallet compatibility.
• Home Equity Line of Credit (HELOC) Revolving credit line secured by home equity with fixed rates starting as low as 7.50% APY and variable rates at Prime + 0.25%, with funds accessible online, by phone, or in person.
• Mortgage Loans Home purchase and refinance mortgages offered in partnership with Consolidated Community Credit Union, including FHA, First-Time Buyer, VA, Conventional, Jumbo, and investment property (up to 4 units) loan programs.
• Boat, RV, and Motorcycle Loans Financing for recreational vehicles including boats, RVs, and motorcycles at competitive rates.
• Signature (Unsecured Personal) Loans Unsecured personal loans for various needs without collateral requirements.
• Debt Consolidation Loans Loans designed to consolidate multiple debts into a single lower-interest payment.
• Commercial Loans Customized business loans, including operating lines of credit for small family farms and commercial real estate financing, designed to support growth and flexibility for local small businesses.
• Personal Investments and Wealth Management Financial planning and wealth management services to help members prepare for their financial future.
• Financial Fitness Counseling (GreenPath Partnership) Free financial education and counseling services through the GreenPath partnership, including debt management, credit counseling, housing services, and financial workshops, available to LCCU members.
• TruStage Insurance Products Insurance products including auto, home, renters, life, and accidental death & dismemberment (AD&D) insurance offered through the TruStage Insurance partnership, plus a no-cost $1,000 AD&D policy for all members.
• LCCU Cards Mobile App Mobile application for iOS and Android enabling 24/7 Visa Credit Card account access, card lock/unlock, payments, spending analysis, travel notifications, custom alerts, and spend controls.

Quantifiable outcome

• Asset growth from $214 million (2022) to $240 million (2023)
• +6 more outcomes

Named customers4 records

Segments4 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration12 records

Feature5 records

Partnerships

Nine partnerships are on record, tiered minor and core.

• Sacred Heart Children's Hospital (Spokane)minorOthers · 22 September 2023Annual beneficiary of LCCU's Miracle Golf Tournament. In 2023, LCCU presented Sacred Heart Children's Hospital with a $32,000 check raised through the tournament and CO-OP's Miracle Match program. This is a charitable community partnership.
• Lewis-Clark State College Schweitzer Career & Technical Education CenterminorOthers · 1 January 2019LCCU donated $25,000 to support the LCSC Schweitzer CTE Center in Lewiston, with an ATM installed in the building. The CTE Center opened in Spring 2021.
• Lewiston High SchoolminorOthers · 1 January 2019LCCU committed to donating $10,000 per year for five years to support the new Lewiston High School facilities, benefiting 1,000+ students.
• Clearwater Credit Union (CCU) — MergercoreStrategic or Co-development Partner · 1 October 2016The merger between Lewis Clark Credit Union and Clearwater Credit Union (CCU) became official on October 1, 2016, after member approval and regulatory approval from NCUA and the Idaho Department of Finance. The merger added thousands of members and expanded LCCU's service area and branch network significantly.
• GreenPath Financial WellnesscoreStrategic or Co-development PartnerLCCU partnered with GreenPath Financial Wellness to provide free access to money management and financial education services for members. GreenPath's certified counselors offer free financial counseling, debt management plans, housing services, credit report review, and student loan counseling. LCCU staff also partner with GreenPath for member referrals and cross-promotion of financial wellness resources.
• Consolidated Community Credit Union (Mortgage Partnership)coreStrategic or Co-development PartnerLCCU partners with Consolidated Community Credit Union to offer mortgages including FHA, First-Time Buyer, Jumbo, VA, and Conventional loans, as well as investment property loans (up to 4 units). This partnership enables LCCU to offer a full range of mortgage products with competitive pricing and no application fees.
• TruStage InsuranceminorChannel Partner/ Reseller/ DistributorLCCU offers TruStage Insurance products including auto, home, renters, life, and accidental death & dismemberment (AD&D) insurance. TruStage is a credit union-focused insurance provider underwritten by CMFG Life Insurance Company. LCCU also provides a no-cost $1,000 AD&D policy for all members as a membership benefit.
• CO-OP Credit Unions (Shared Branching and ATMs)coreTechnology or IntegrationLCCU participates in the CO-OP Credit Union shared branching network, providing members access to over 30,000 surcharge-free ATMs nationwide and shared branch services. CO-OP also co-sponsored the Miracle Golf Tournament through Miracle Match, contributing $32,000 in matching funds to the Sacred Heart Children's Hospital donation.
• Boys & Girls Club of the Nez Perce Tribe (Lapwai Unit)minorOthersLCCU supported the grand opening of the Boys & Girls Club of the Nez Perce Tribe (Lapwai Unit) as part of its community mission.

Scale indicators12 records

Recent moves9 records

Expansion highlights6 records

Direct peers

• Idaho Central Credit Union: Idaho's largest credit union headquartered in Chubbuck, serving members statewide with full banking services. Comparable as a community-focused, member-owned cooperative serving Idaho residents with deposits, lending, and digital banking, though at materially larger scale.
• Potlatch No. 1 Financial Credit Union: Community credit union serving north-central Idaho, including Lewiston and Moscow. Direct competitor in LCCU's core geographic field of membership, offering similar deposit, lending, and digital banking products to overlapping member bases.
• Numerica Credit Union: Spokane-based community credit union serving eastern Washington and northern Idaho. Directly comparable cooperative credit union with overlapping service geography and similar full-service consumer/small business banking offering.
• Consumers Cooperative Credit Union: Illinois-based cooperative credit union. Cited as a comparable community credit union with similar CDFI-equivalent mission, low-income designation, and strong underwriting discipline relevant to LCCU's operational model.
• University of Idaho Community Credit Union: Community credit union serving the University of Idaho and Latah County region in Moscow, Idaho. Direct competitor in LCCU's Latah County service area with similar consumer and student-focused banking products.

Regional players

• Spokane Teachers Credit Union (STCU): Washington and Idaho credit union originally founded as a teacher credit union, mirroring LCCU's origins. Serves a broader inland Northwest region with similar products. Comparable mission and product set, but materially larger scale.
• Selco Community Credit Union: Oregon-based community credit union with similar CDFI-equivalent community lending mission and full-service consumer banking. Comparable in product breadth and credit union cooperative model, though serving a different (Oregon) geography.
• Community 1st Credit Union: Community credit union serving Pullman, Washington and surrounding areas including Latah County, Idaho. Directly competes with LCCU in the same Lewiston-Pullman corridor with similar consumer and small business banking products.
• Idaho State University Federal Credit Union (ISU FCU): Idaho-based community credit union serving eastern Idaho with similar consumer banking, lending, and digital services. Comparable in cooperative model and community focus, though serving a different region of Idaho.

Others

• Clearwater Credit Union (pre-merger): Former Idaho community credit union that merged with LCCU in 2016, expanding its member base from 7,500 to 12,000+. Relevant precedent for understanding LCCU's acquisition-driven growth model and community credit union consolidation dynamics in the region.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks7 records

Key highlights7 records

Customer concentration

• Xx.com/LCCUandU
• YouTubeyoutube.com/user/LewisClarkCrUn
• Facebookfacebook.com/LewisClarkCU
• LinkedInlinkedin.com/company/lewis-clark-cu
• Instagraminstagram.com/lewisclarkcu

Compliance1 record

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

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 Lewis Clark Credit Union