Golden Circle Credit Union
- Company typePrivate
- Founded1940
- HeadquartersMassillon, United States
- Headcount11–50
- GTM typeB2C
- OfferingServices
Golden Circle Credit Union firmographics
Firmographics- Name
- Golden Circle Credit Union
- Legal name
- Golden Circle Credit Union Inc
- Website
- https://goldencirclecu.com
- Company type
- Private
- Founded year
- 1940
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Ownership category
- akta.pro rank
Golden Circle Credit Union industry classification
Industry- Product category
- Community Banking
- 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
- Federations/Centrals & Cooperative Banking Networks (2nd-Tier Co-ops) (FSABAEAL)
Keywords
Where Golden Circle Credit Union is headquartered
LocationHeadquarters
- HQ city
- Massillon
- HQ country
- United States
- HQ region
- North America
Offices5 records
Markets served
Golden Circle Credit Union business model
Business model- GTM type
- B2C
- Offering type
- Services
- Cost components
- Personnel, Operations, Technology or R&D, Marketing or Sales, Infrastructure
Revenue model
- Interest Income from Lending: Primary revenue source from interest charged on loans including auto loans, mortgage loans, personal loans, credit cards, business loans, and student loans. Interest rates vary by product type and creditworthiness.
- Service Fees and Charges: Monthly service charges on checking accounts (Basic Checking $4.95, Secure Checking $4.95, Golden Checking $5.00), with waivers for maintaining minimum balances. Additional fees for overdraft protection, wire transfers, and other services.
- Interchange and Transaction Fees: Revenue from VISA credit and debit card transaction interchange fees when members use cards at merchants.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Monthly | Basic Checking - Standard checking with full banking features |
| Subscription | Monthly | Secure Checking - Premium checking with identity protection features |
| Subscription | Monthly | Golden Checking - Interest-bearing checking account |
| Other | Pay-as-you-go | Share Savings - Regular savings account |
| Other | Monthly | High Yield Share Savings - Money Market style account |
| Other | Multi-year contract | Share Certificates - Term deposit accounts |
| Unit Pricing | Monthly | Auto Loans - Vehicle financing |
| Usage-based | Monthly | VISA Credit Cards |
| Unit Pricing | Monthly | Unsecured Personal Loans |
| Unit Pricing | Monthly | X-tra Cash Loan - Small short-term loan |
Go-to-market motion3 records
Distribution channels6 records
Marketing channels5 records
Golden Circle Credit Union product offering
Product offeringCore offering
Golden Circle Credit Union is a member-owned, not-for-profit financial cooperative that provides consumer and small business banking products and services to its members. It operates four branch locations in Stark County, Ohio, offering deposit accounts, consumer loans, and small business banking supported by online and mobile banking channels. The credit union has served its community since 1940 and is structured to return earnings to members rather than outside shareholders.
Product overview
Golden Circle Credit Union is a member-owned, not-for-profit financial cooperative offering a comprehensive range of banking products and services through a unified platform. The core product portfolio spans consumer and business lending (auto loans, marine loans, personal loans, mortgages, student loans, business loans, and credit re-builder loans), deposit accounts (share savings, checking accounts with tiered services from basic to premium, and certificates), retirement accounts (Traditional and Roth IRAs with multiple yield options), and digital banking services (Virtual Branch Home Banking, Mobiliti mobile app, and 24-hour telephone banking). The institution also provides card services (VISA credit and debit cards, ATM access), payment services (Zelle P2P payments, bill pay, shared branching network), and business lending through strategic partnerships. Products integrate with third-party platforms including Visa Checkout, FIS Global, MemberFirst Mortgage, Sallie Mae, Cooperative Business Services, and the CO-OP Shared Branch network.
Differentiator
Problem solved
Functional benefit
Products and services
- Consumer Checking Accounts Day-to-day transactional deposit account for individual members, with monthly service fees that can be waived under balance, age, or relationship conditions.
- Savings and Money Market Accounts Interest-bearing deposit accounts for individual members to hold savings with tiered pricing based on balance.
- Consumer Loans Personal installment and consumer credit products offered to members at competitive cooperative rates.
- Mortgage Lending Residential mortgage products for member home purchases and refinancing, originated through the credit union.
- Small Business Banking Deposit and basic banking services tailored to small business owners in the credit union's Stark County service area.
- Debit and ATM Card Services Debit card and ATM access for member checking accounts, providing in-network and shared-branch transaction capability.
Quantifiable outcome
- Interest rates as low as 4.99% APR on auto loans
- +3 more outcomes
Companies that use Golden Circle Credit Union
Customer profileNamed customers1 record
Segments3 records
Ideal customer profiles2 records
Golden Circle Credit Union technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Integration20 records
Golden Circle Credit Union partnerships and signals
Strategic signalPartnerships
Nine partnerships are on record, tiered core and minor.
- CBS (Cooperative Business Services)corePartnership with CBS enables Golden Circle Credit Union to offer commercial lending products to business members. CBS is a credit union service organization (CUSO) that provides business lending infrastructure and expertise through collaboration of 70 credit unions in 10 states. Through this partnership, the credit union can offer commercial real estate loans up to $7.5 million, SBA loans, and other business financing options.
- MemberFirst MortgagecoreGolden Circle Credit Union partners with MemberFirst Mortgage to provide mortgage loan products to members. The partnership allows the credit union to offer competitive mortgage options through mortgage experts while maintaining the credit union relationship with members.
- Sallie MaecoreStudent loan partnership with Sallie Mae for private student loans to cover college expenses not met by scholarships and federal loans. Golden Circle Credit Union refers members to Sallie Mae for competitive repayment options and rates through a co-branded landing page.
- CO-OP Shared BranchcoreCO-OP Shared Branch network provides Golden Circle Credit Union members access to over 5,000 branches and 2,000 self-service locations nationwide across all 50 states, Puerto Rico, Guam, and military bases globally. Members can conduct transactions at any participating credit union as if at their home branch.
- CUAC (Credit Union Accepts Cars)coreCUAC Sign & Drive program enables auto loan pre-approval and processing at participating dealerships. Members can complete loan documents at the dealership and drive away without additional credit union visits.
- FIS GlobalcoreAnytime Loan Center platform (oa.fisglobal.com) provides 24/7 consumer loan application processing. Also provides VISA credit card application processing. Platform enables online applications anytime.
- TruStage InsuranceminorTruStage Insurance Agency provides insurance and investment products marketed through Golden Circle Credit Union. Offers auto, home, life, and other insurance products tailored for credit union members.
- ScoreCard RewardsminorScoreCard Rewards program provides points-based rewards for credit and debit card holders. Members earn rewards on qualifying purchases that can be redeemed for merchandise, travel, and other rewards.
- VisacoreVISA credit and debit card issuance and processing. VISA Checkout integration for online payments. Partnership provides card network infrastructure, fraud protection services, and brand association.
Scale indicators3 records
Recent moves8 records
Expansion highlights5 records
Golden Circle Credit Union competitors and assessment
Company assessmentBroad incumbents
- Pentagon Federal Credit Union (PenFed): One of the largest U.S. credit unions offering high-yield deposits, consumer loans, and mortgages nationally — a broader incumbent with overlapping product set, similar member-owned structure, but vastly greater scale.
- Huntington National Bank: Columbus-based regional bank with deep Ohio branch presence, including Stark County — directly competes with Golden Circle for retail deposits, consumer loans, and small business banking in the same geography as a broader incumbent.
Direct peers
- Patelco Credit Union: Community-chartered credit union providing personal banking, consumer loans, and small business services with a member-focused cooperative governance model — directly comparable in product set and member-owned structure.
- Digital Federal Credit Union (DCU): Community-chartered credit union offering full consumer banking and lending products via digital and branch channels — directly comparable community FCU serving retail and small business members.
- Connexus Credit Union: Community credit union operating with branch and direct-to-consumer digital channels serving a defined membership base — directly comparable member-owned cooperative model with similar product breadth.
- Alliant Credit Union: Community credit union open to anyone (similar open community charter to Golden Circle's Stark County expansion) with high-yield savings, competitive loan rates, and a national digital footprint — a directly comparable cooperative operating model.
- First Tech Federal Credit Union: Community credit union offering consumer and small business banking products with national digital reach — comparable in serving a defined community/affinity membership with full retail banking services.
- SchoolsFirst Federal Credit Union: Large community-anchored federal credit union serving California educators, families, and broader community with full banking services, branches, and digital channels — directly comparable cooperative member-owned model serving a defined community.
Emerging players
- SoFi: Digital-first bank and lender offering high-yield deposits, consumer loans, and student loan refinancing — emerging direct competitor for Golden Circle members' savings balances and student loan referrals via Sallie Mae.
- Ally Bank: Direct-to-consumer digital bank competing aggressively on savings APYs, CDs, auto loans, and a no-fee checking account — competing with Golden Circle for the same Stark County members' deposit balances and loan demand via a digital-only model.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat5 records
Key risks7 records
Key highlights7 records
Customer concentration
Golden Circle Credit Union social profiles
Digital presenceGolden Circle Credit Union compliance and trust
Trust signalCompliance1 record
Golden Circle Credit Union financial estimates
Financial estimateRevenue estimate
Valuation estimate
Golden Circle Credit Union leadership team
Management profileNumber of profiles
Profiles1 record
Golden Circle Credit Union funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Golden Circle Credit Union M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Golden Circle Credit Union
What does Golden Circle Credit Union do?
Golden Circle Credit Union is a member-owned, not-for-profit financial cooperative that provides consumer and small business banking products and services to its members. It operates four branch locations in Stark County, Ohio, offering deposit accounts, consumer loans, and small business banking supported by online and mobile banking channels. The credit union has served its community since 1940 and is structured to return earnings to members rather than outside shareholders.
Is Golden Circle Credit Union a public or private company?
Golden Circle Credit Union is a private company. It is classified as management employee owned and is currently operating.
When was Golden Circle Credit Union founded?
Golden Circle Credit Union was founded in 1940. It employs 11 to 50 people.
Where is Golden Circle Credit Union based?
Golden Circle Credit Union is headquartered in Massillon, United States, in the North America region.
How does Golden Circle Credit Union make money?
Three revenue lines are on record. Interest Income from Lending is the primary driver. The others are service Fees and Charges and interchange and Transaction Fees.
Who are Golden Circle Credit Union's main competitors?
Broad incumbents on record are Pentagon Federal Credit Union (PenFed) and Huntington National Bank. Direct peers are Patelco Credit Union, Digital Federal Credit Union (DCU), Connexus Credit Union, Alliant Credit Union, First Tech Federal Credit Union and SchoolsFirst Federal Credit Union. Emerging players are SoFi and Ally Bank.
Does Golden Circle Credit Union have an API?
No public API is recorded for Golden Circle Credit Union.
What industry is Golden Circle Credit Union in?
Golden Circle Credit Union's product category is Community Banking. Its primary akta.pro industry code is FSABAEAA, Community Credit Unions (Retail/Consumer Focus), with a secondary code of FSABAEAL, Federations/Centrals & Cooperative Banking Networks (2nd-Tier Co-ops). Its NAICS code is 52213 and its SIC code is 6035.