All Saints Federal Credit Union

What All Saints Federal Credit Union does

All Saints Federal Credit Union is a federally chartered, member-owned financial cooperative headquartered in Broadview Heights, Ohio, serving employees, volunteers, and members of the Catholic Diocese of Cleveland in Cuyahoga County, along with their families and friends. Operations are conducted through three physical branches located in Parma, Garfield Heights, and South Euclid, supplemented by an online and mobile banking platform provided by a third-party core processor (gbs.onlinecu.com) and a third-party credit card payment portal (EzCardInfo). The field of membership is restricted by regulatory common-bond requirements, and there is no disclosed plan to broaden it beyond the Diocese community.

The product set spans core retail banking: share savings, share certificates, money market savings, club and student savers accounts, share draft (checking), debit and credit cards, online bill pay, direct deposit, and notary services at branches. Lending products include new and used auto loans, signature/personal loans, first and second mortgages, RV/mobile home/boat loans, motorcycle loans, education loans, and secured loans. Pricing is published on a rate sheet covering loans and deposits, with notable promotional activity on auto loans and a military discount program for consumer lending.

The business model is a traditional credit union net interest margin model. Revenue is generated primarily through interest income on the loan portfolio (auto, mortgage, signature, RV, motorcycle, education, secured) and fees on transaction services, ATM use, wires, and account maintenance. Earnings are returned to members through competitive deposit dividend rates and loan APRs rather than paid to external shareholders. Distribution is community-led via parish outreach, branch service, member referrals, and digital self-service. The 2023 merger of St. Margaret and Gregory expanded the branch footprint and is the institution's most significant recent corporate action.

Name

All Saints Federal Credit Union

Legal name

All Saints Federal Credit Union

Website

https://allsaintsfcu.com

Company type

Private

Founded year

1930

Operating status

Operating

Headcount range

1–10 employees

Short description

All Saints Federal Credit Union is a federally chartered, member-owned credit union serving Catholic Diocese of Cleveland employees, volunteers, members, and families in Cuyahoga County, Ohio through three branches and standard deposit, lending, and digital banking products.

Ownership category

akta.pro rank

Product category

Retail Banking

NAICS

Credit Unions (52213), Credit Unions (522130)

SIC

Savings Institution, Federally Chartered (6035)

akta.pro primary industry

Faith-Based & Affinity Credit Unions (FSABAEAH)

akta.pro secondary industry

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

Keywords

• Credit union services
• Consumer lending
• Share savings accounts
• Auto loan financing
• Retail deposit products

Headquarters

HQ city

Parma

HQ country

United States

HQ region

North America

Offices3 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Interest Income: Credit unions generate revenue primarily through interest earned on loans (auto loans, mortgages, personal loans, credit cards) and other lending activities. Earnings are returned to members in the form of better rates.
2. Share Savings & Certificate Dividends: Members' savings (shares) earn dividends. Credit union shares generate dividend income for members rather than interest costs to the institution.
3. Fee Income: Fees associated with various services including ATM usage, wire transfers, account maintenance, and loan-related fees. Fee schedule available as PDF document.

Pricing tiers

Go-to-market motion1 record

Distribution channels4 records

Marketing channels6 records

Core offering

All Saints Federal Credit Union is a federally chartered, member-owned cooperative that provides retail banking products and consumer lending to Catholic Diocese of Cleveland employees, volunteers, members, and their families and friends. It accepts deposits through share savings, share certificates, money market savings, club, and share draft checking accounts, and originates consumer loans including auto, signature, home mortgage, secured, RV/boat/mobile home, motorcycle, and education loans, plus credit cards. Members access the institution through three Ohio branches, online and mobile banking, debit card/ATM network, and ancillary services such as direct deposit and notary service.

Product overview

All Saints Federal Credit Union is a mission-driven financial cooperative providing a comprehensive suite of banking products and services to its members. The institution operates as a single-platform credit union with three branch locations in the Cleveland, Ohio area. Core offerings center around share savings products (Share Savings Accounts, Share Certificates, Money Market Savings, Club Accounts, and Student Savers), checking services (Share Draft/Checking with Online Bill Pay and Debit Cards), and lending products (Auto Loans, Signature Loans, Home Loans, Secured Loans, RV/Mobile Home/Boat Loans, Motorcycle Loans, Education Loans, and Credit Cards). Digital banking services include Home Banking with account alerts and direct deposit capabilities. The institution also provides notary services to members.

Differentiator

Problem solved

Functional benefit

Products and services

• Share Savings Accounts Basic savings account where members' deposits (shares) earn dividends and represent their ownership stake in the cooperative. Minimum $5 to open and earn 0.05% APY. Designed for all credit union members.
• Share Certificates Term deposit accounts with a $500 minimum opening balance and competitive APY rates for terms of 6 months (3.034% APY), 12 months (3.290% APY), and 24 months (3.803% APY). For members seeking higher-yield, fixed-term savings.
• Money Market Savings Accounts Tiered savings product requiring a $5,000 minimum daily balance to earn dividends; tier 1 ($5,000–$74,999.99) earns 2.02% APY and tier 2 ($75,000+) earns 2.27% APY, with a $500 minimum withdrawal. For members maintaining higher liquid balances.
• Share Draft (Checking) Accounts Member checking account with online bill pay capability, debit card access, direct deposit support, and email or text account alerts. For day-to-day transactional banking.
• Auto Loans Financing for new (2025–2026) and used (2022–2025) vehicle purchases with terms up to 84 months. New vehicles start at 3.99% APR; used vehicles start at 4.99% APR, with no pre-payment penalty.
• Signature Loans Unsecured personal loans including a 12-month Holiday Loan starting at 9.00% APR and term loans of 36 months (10.99% APR) up to 48 months (11.49% APR). For members needing unsecured credit.
• Home Loans First or second mortgage financing for home purchases or refinancing with terms up to 30 years. For members seeking residential mortgage credit.
• Secured Loans Loans secured by share savings or certificate accounts, priced at 3.00% above the underlying share or certificate rate. For members seeking credit against their existing deposits.
• RV, Mobile Home & Boat Loans Financing for recreational vehicles, mobile homes, and boats with survey requirements; rates range from 7.00% to 8.00% APR depending on vehicle type and term. For members financing recreational or alternative housing purchases.
• Motorcycle Loans Financing for new and used motorcycles with terms up to 72 months; new motorcycle rates start at 7.00% APR and used motorcycle rates start at 7.75% APR.
• Education Loans Student loans with terms of 10 or 12 months at rates as low as 7.00% APR. For student members financing education expenses.
• Credit Cards Revolving credit card product priced at 10.99% APR, with a travel-notice requirement for fraud prevention and an EzCardInfo payment portal for account management.
• Debit Cards ATM and point-of-sale debit cards providing access to a network of ATM locations and travel-notification controls for international use (debit cards are not valid for international travel without prior notice).
• Home Banking Online and mobile banking platform via gbs.onlinecu.com offering account access, internal transfers, online bill pay, and email or text account alerts for members.
• Online Bill Pay Electronic bill payment service accessible through the home banking platform, allowing members to pay recurring bills online.
• Direct Deposit Electronic deposit service that allows members to receive recurring income such as payroll, Social Security, and other government benefits directly into their credit union account.
• ATM Services Cash withdrawal and account access through the credit union's external ATM network, with an up-to-date PDF locator available on the rates-and-fees page.
• Notary Service Notary services available to all credit union members at any of the three branch locations.
• Club Accounts (Christmas Club and Vacation Club) Dedicated-purpose savings accounts (Christmas Club and Vacation Club) with a $1,000 monthly deposit cap and 0.10% APY, designed to help members save for seasonal expenses.
• Student Savers Account Savings accounts designed for student members with favorable terms, supporting early-stage financial relationships within member families.

Segments2 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration1 record

Scale indicators2 records

Recent moves4 records

Expansion highlights3 records

Broad incumbents

• Langley Federal Credit Union: Virginia-based federal credit union serving a defined community membership. Comparable as a federally chartered, member-owned credit union offering a comparable suite of share savings, consumer loans, mortgages, and credit card products.
• Affinity Plus Federal Credit Union: Minnesota-based community credit union operating across a broad regional footprint. Comparable as a federally insured, member-owned cooperative offering deposits, consumer lending, mortgages, and credit cards to a defined community.
• Connexus Credit Union: National online-focused credit union with broad membership eligibility. Comparable as a federally chartered CU offering competitive deposit rates, auto loans, and mortgages, but operating at significantly larger scale with digital-first distribution.
• Boeing Employees Credit Union (BECU): Large Washington-state based employment-affinity federal credit union. Comparable as a federally chartered, common-bond credit union serving a defined employer/community membership with a full deposit, lending, and digital banking platform.
• SchoolsFirst Federal Credit Union: Large California-based federal credit union serving school employees and their families. Comparable as a federally chartered, affinity-defined membership credit union offering a similar suite of deposits, consumer loans, and mortgages to a closed community.

Regional players

• Wright-Patt Credit Union: Large Ohio-based community credit union serving members in the Dayton region and beyond. Comparable as an Ohio-based credit union offering a full suite of consumer lending and deposit products, though operating at significantly larger scale.
• PSE Credit Union: Ohio-based community credit union serving Parma and greater Cleveland communities. Comparable geographic overlap in Cuyahoga County and similar community-banking product set including auto loans and share accounts.

Direct peers

• Christian Community Credit Union: Faith-based federal credit union serving Christian church workers, members, and affiliated ministries. Directly comparable to All Saints FCU as a faith-affiliated CU with a common-bond field of membership offering deposits, loans, and credit cards.

Market position

Strengths4 records

Weaknesses5 records

Competitive moat4 records

Key risks5 records

Key highlights6 records

Customer concentration

• LinkedInlinkedin.com/company/all-saints-federal-credit-union

Compliance2 records

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 All Saints Federal Credit Union