CCSE Federal Credit Union

What CCSE Federal Credit Union does

CCSE Federal Credit Union is a community-chartered credit union founded in 1977 in Salamanca, New York, originally as a teachers' credit union before expanding membership to anyone who lives or works in Cattaraugus County. The institution operates as a member-owned financial cooperative under NCUA federal insurance, governed by a volunteer board elected by members, and serves retail consumers and small businesses in its single-county geography through two physical branches (Salamanca headquarters and Ellicottville) and 24/7 digital channels. Its core banking infrastructure is built on Fiserv's mobile and online banking platform, with Zelle integrated for peer-to-peer payments and Co-Op Credit Union providing surcharge-free ATM access. The product set spans traditional deposit accounts (share/savings, share draft/checking, money market, share certificates, and club/youth accounts) and a broad lending portfolio (auto, home equity, HELOC, RV, personal, credit builder, share-secured, mobile home, and student), with mortgages and student loans originated through partnerships with Owner's Choice Funding and Credit Union Student Choice, and insurance distributed via TruStage.

Name

CCSE Federal Credit Union

Legal name

CCSE Federal Credit Union

Website

https://ccseonline.com

Company type

Private

Founded year

1977

Operating status

Operating

Headcount range

11–50 employees

Short description

CCSE Federal Credit Union is a community-chartered, member-owned cooperative in Cattaraugus County, NY, offering deposit accounts, consumer loans, and digital banking on a Fiserv platform to residents and workers of the county.

Ownership category

akta.pro rank

Product category

Retail Banking

NAICS

Credit Unions (52213), Depository Credit Intermediation (5221)

SIC

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

akta.pro primary industry

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

akta.pro secondary industry

Bank & Credit Union Personal Loans (Unsecured Installment) (FSAKAAAL)

Keywords

• Retail banking services
• Consumer lending
• Deposit accounts
• Credit union services
• Mobile banking

Headquarters

HQ city

Salamanca

HQ country

United States

HQ region

North America

Offices2 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Loan Interest: Interest income from various loan products including auto loans, home equity loans, HELOCs, mortgages, recreational vehicle loans, student loans, personal loans, and share-secured loans. Rates vary by credit score and term length.
2. Savings Account Interest: Interest paid to members on share accounts, money market accounts, and share certificates (CDs). Credit union earns spread between loan rates and savings rates.
3. Fee-based Services: Various fee-based services including pre-paid debit cards, gift cards, money orders, and potentially other transaction fees as disclosed in fee schedule.

Pricing tiers

Go-to-market motion2 records

Distribution channels5 records

Marketing channels5 records

Core offering

CCSE Federal Credit Union is a community-chartered member-owned financial cooperative offering deposit accounts (checking, savings, money market, club savings, youth accounts, share certificates), consumer loans (auto, home equity, HELOC, RV, personal, share-secured, credit builder, mobile home, and student loans), a VISA debit card with overdraft protection, and digital banking channels including a Fiserv-powered mobile banking app, online banking, Zelle P2P payments, and Co-Op surcharge-free ATM access to members who live or work in Cattaraugus County, New York.

Product overview

CCSE Federal Credit Union is a community-chartered credit union serving Cattaraugus County since 1977, offering a comprehensive suite of financial products and digital banking services. The core banking platform includes traditional deposit products (checking, savings, money market accounts, and certificates of deposit) alongside diverse lending options (auto loans, home equity products, personal loans, and credit builder programs). The digital banking ecosystem centers on a Fiserv-powered mobile banking app with integrated Zelle P2P payments, supplemented by student loans through Student Choice and mortgages via Owner's Choice partnerships. The institution operates physical branches in Salamanca and Ellicottville with 24/7 phone and ATM access.

Differentiator

Problem solved

Functional benefit

Products and services

• CCSE FCU Mobile Banking App Mobile banking application powered by Fiserv that enables members to access real-time account balances, manage money, view transactions and statements, make transfers, pay bills, deposit checks remotely via remote deposit capture, receive alerts, and manage debit cards.
• Share Draft Account (Checking)

Quantifiable outcome

• No monthly service fees on checking accounts
• +2 more outcomes

Segments3 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration3 records

Feature3 records

Partnerships

Five partnerships are on record, tiered minor and core.

• TruStageminorGTM or Marketing PartnerTruStage provides insurance products promoted on CCSE website including no-cost accident coverage (AD&D insurance) and auto & home insurance products. CCSE earns referral/affiliate revenue through promotion of TruStage products to members.
• Credit Union Student ChoicecoreTechnology or IntegrationStudent Choice provides student loan products including undergraduate lines of credit and consolidation loans. CCSE partners with Student Choice to offer competitive rates on student loans to members. Separate application process through studentchoice.org.
• Owner's Choice FundingcoreChannel Partner/ Reseller/ DistributorOwner's Choice Funding provides mortgage products for home buyers. CCSE refers members to Owner's Choice for mortgage needs with an easy online application process. Call 800-342-4998 for mortgage applications.
• FiservcoreTechnology or IntegrationFiserv powers CCSE's mobile banking application and online banking infrastructure. The CCSE FCU app powered by Fiserv provides real-time balances, account management, transfers, bill pay, check deposits, and card management services.
• Early Warning Services (Zelle)coreTechnology or IntegrationZelle, operated by Early Warning Services, provides peer-to-peer payment integration within CCSE's mobile banking and online bill pay. Members can send and receive money using email addresses or mobile phone numbers.

Scale indicators2 records

Recent moves6 records

Expansion highlights4 records

Direct peers

• Empower Federal Credit Union: New York State-chartered community credit union offering a similar suite of consumer deposits, consumer loans, and digital banking. Comparable in scale and product mix to CCSE, also serving a defined regional community in New York.
• Visions Federal Credit Union: New York-based community credit union offering checking, savings, money market, CDs, and a broad consumer-lending menu with mobile and online banking. Directly comparable in product set and member-owned cooperative structure.
• Corning Credit Union: Upstate New York community credit union with deposit, consumer lending, and digital banking services. Comparable in operating model and rural/upstate New York community focus to CCSE.
• Bethpage Federal Credit Union: Large New York community credit union offering checking, savings, consumer loans, mortgages, and digital banking. Comparable member-owned structure with a similar product breadth, though at meaningfully larger scale.
• Broadview Federal Credit Union (formerly SEFCU): New York State-headquartered community credit union offering full retail banking, consumer loans, and digital services. Comparable cooperative model serving a defined regional membership base.
• Affinity Federal Credit Union: New Jersey/New York community credit union serving defined membership groups with full deposit, consumer lending, and digital banking products. Comparable cooperative model and community-charter orientation.

Broad incumbents

• Community Bank, N.A. Large Upstate New York community-focused commercial bank with broad deposit, consumer, and commercial lending offerings. Operates in the same regional footprint as CCSE, providing direct competition for retail deposits and consumer loans.

Emerging players

• Connexus Credit Union: Nationwide digital credit union offering high-yield savings, consumer loans, and mobile banking. Comparable cooperative structure and similar product mix, but reaches members without geographic restrictions, competing for digitally-active members in CCSE's footprint.
• Alliant Credit Union: Digital-first U.S. credit union offering high-yield deposits, consumer loans, and a fully online member experience. Comparable cooperative model but with a national digital footprint that competes for digitally-engaged members in CCSE's market.

Regional players

• Five Star Bank: New York State-chartered commercial bank serving Western and Central New York with retail and commercial banking. Operates in the broader region surrounding CCSE's Cattaraugus County footprint and competes for similar retail and small-business customers.

Market position

Strengths4 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights6 records

Customer concentration

• Facebookfacebook.com/CCSE-Federal-Credit-Union-275913396655353
• Xx.com/ccse_fcu
• LinkedInlinkedin.com/company/c-c-s-e-federal-credit-union

Compliance2 records

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 CCSE Federal Credit Union