BCSCU

What BCSCU does

Benton County Schools Credit Union (BCSCU) is a member-owned, closed-field credit union founded in 1953 and headquartered in Philomath, Oregon, serving educational employees and public employees in Linn and Benton Counties. Membership eligibility is restricted under Oregon Administrative Rules to employees of specific institutions — Benton County schools, Linn-Benton Community College, Greater Albany Public School District 8J, Linn-Benton-Lincoln Education Service District, and qualifying city, county, and taxing district employees in Benton County — as well as retired educators, volunteer workers, family members of members, and member organizations. BCSCU operates two physical branches (a main office in Corvallis at 2101 NW Professional Drive and a Philomath branch at 138 S 7th Street under construction in 2025) and delivers digital banking through the third-party Mobicint platform available on iOS and Android, with CO-OP Network access to over 30,000 surcharge-free ATMs nationwide.

The product portfolio is comprehensive for a community credit union: deposit products (Regular Shares, Club, Money Market, Member Advantage, Member High Yield Savings, three checking tiers, Certificates of Deposit from 6 to 60 months with promotional rates up to 4.07% APY, IRAs, and HSAs); lending products (auto loans with a meet-or-beat policy and terms up to 84 months, fixed and adjustable-rate mortgages with no PMI and no points, home equity loans and HELOCs, personal loans for recreational vehicles and signature/ consolidation purposes, and a no-annual-fee Classic Visa credit card); and ancillary services (Visa debit, safe deposit boxes, BCS Points Plus rewards, remote deposit capture, remote card freeze controls, Apple Pay/Google Pay tokenization, and Money Desktop personal financial management integration). Specialized products include a Teen Checking Account (13-18 year olds) with a scholarship program paying $100-$600 based on tenure and GPA.

BCSCU generates revenue through the standard credit union model: net interest income from the spread between loan yields (auto, mortgage, home equity, personal, credit card) and deposit costs (savings, checking, CD, IRA); fee income from accounts and transactions (negative balance charges, outgoing wires, teller checks, ATM fees after 5 free monthly, late payments, returned checks, safe deposit box rentals, and document copies); interchange and foreign transaction fees from Visa-branded cards; and ancillary fees from specialty services. Distribution relies on a referral-based go-to-market tied to employer partnerships with qualifying school districts and government entities, complemented by website content marketing focused on cybersecurity and fraud prevention, and community engagement through the school grant program. Accounts are insured to at least $250,000 by the National Credit Union Share Insurance Fund.

Name

BCSCU

Legal name

Benton County Schools Credit Union

Website

https://bcscu.org

Company type

Private

Founded year

1953

Operating status

Operating

Headcount range

1–10 employees

Short description

Benton County Schools Credit Union is a member-owned, closed-field credit union founded in 1953 serving educational and public employees in Linn and Benton Counties, Oregon, via two branches and the Mobicint digital banking platform, offering deposits, loans, credit cards, and wealth products.

Ownership category

akta.pro rank

Product category

Retail Banking (Credit Union)

NAICS

Credit Unions (522130)

akta.pro primary industry

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

akta.pro secondary industries

Public Sector & Municipal Credit Unions (FSABAEAK), Student & Youth Banking (FSABAAAH)

Keywords

• Retail banking services
• Credit union lending
• Member savings accounts
• Personal banking products
• Mortgage and auto loans

Headquarters

HQ city

Philomath

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, Infrastructure, Marketing or Sales, Others

Revenue model

1. Interest Income from Lending: BCSCU generates primary revenue through interest charged on loans including auto loans, home equity loans, mortgages, personal loans, and credit cards. Interest rates vary by product type and creditworthiness.
2. Account and Transaction Fees: Fee income from various account services including negative balance charges ($1/day), teller checks ($5), outgoing wires ($20), duplicate statements ($2), account closure ($5), ATM fees ($1 after 5 free/month), late payments ($10), and returned check fees ($12).
3. Savings and Investment Product Revenue: Revenue generated through spread between interest paid on deposits (savings, checking, CDs, IRAs) and interest earned on loans. Money market and certificate accounts generate fee-based income with minimum balance requirements.
4. Credit Card Revenue: Income from credit card transactions including interchange fees, annual fees (none), foreign transaction fees (1%), and other card-related charges.

Pricing tiers

Go-to-market motion1 record

Distribution channels5 records

Marketing channels5 records

Core offering

Benton County Schools Credit Union (BCSCU) provides retail banking and lending services to educational and public-sector employees and their families in Linn and Benton Counties, Oregon. Its core offering is a full-service consumer banking suite — deposit accounts (savings, checking, money market, CDs, IRAs, HSAs), consumer loans (auto, home/HELOC, personal, Visa credit card), debit cards, and digital banking through the Mobicint online and mobile platform. Services are delivered via two physical branches in Corvallis and Philomath, mobile applications, and the CO-OP shared ATM network.

Product overview

BCSCU (Benton County Schools Credit Union) is a regional credit union offering a comprehensive suite of financial products and services through both physical branch locations and digital channels. The core product portfolio includes deposit products (Savings, Checking, Money Market, Certificates/CDs, IRAs, and HSAs), lending products (Auto Loans, Home Loans including mortgages and HELOCs, Personal Loans, and Credit Cards), and transaction services (Debit Cards, Credit Cards, and Mobile Wallets). Digital banking is delivered through the Mobicint platform, which provides online and mobile banking with features including e-Alerts, e-Statements, bill pay, and integration with Money Desktop for financial management. The credit union also offers a rewards program (BCS Points Plus) for credit card users and specialized teen accounts with scholarship opportunities.

Differentiator

Problem solved

Functional benefit

Products and services

• Savings Accounts

Quantifiable outcome

• Certificate rates as high as 4.07% APY on 6-month special CDs
• +2 more outcomes

Named customers6 records

Segments5 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration6 records

Feature5 records

Partnerships

Three partnerships are on record, tiered core.

• CO-OP Credit Union NetworkcoreTechnology or IntegrationBCSCU is part of the CO-OP Credit Union Network, providing members access to over 30,000 ATMs nationwide. The partnership enables fee-free ATM transactions at CO-OP Network machines and integrates ATM locator functionality into the BCSCU website.
• VisacoreTechnology or IntegrationBCSCU issues Visa-branded credit and debit cards, enabling card acceptance at millions of merchants worldwide and providing fraud detection technology for account protection.
• MobicintcoreTechnology or IntegrationMobicint is the online and mobile banking platform provider for BCSCU, replacing the legacy APELTeller system. The platform provides account access, bill pay, e-statements, card management, and other banking features.

Scale indicators2 records

Recent moves7 records

Expansion highlights4 records

Broad incumbents

• First Tech Federal Credit Union: Large closed-charter credit union serving employees of major tech companies with a deep digital banking platform. Comparable closed-membership/employer-partnered model, though at materially larger scale and broader geographic reach than BCSCU.
• OnPoint Community Credit Union: One of Oregon's largest community credit unions with a broad consumer and business banking footprint across the Portland metro and statewide. Comparable product set but materially larger scale and broader geographic reach than BCSCU.

Direct peers

• Oregon State Credit Union: Oregon-based community credit union serving members across the state with consumer deposits, lending, and digital banking. Directly comparable to BCSCU in charter type, geographic focus on Oregon, and member-owned cooperative model.
• iQ Credit Union: Pacific Northwest community credit union serving members in Oregon and Washington with consumer deposit, lending, and digital banking products. Comparable cooperative structure and consumer banking focus, though operating across multiple markets.
• SELCO Community Credit Union: Oregon-headquartered community credit union offering full-service consumer banking, lending, and digital channels. Directly comparable as a state-chartered Oregon community credit union with a similar mid-size footprint and product suite.
• Maps Credit Union: Oregon-based community credit union serving the Salem and surrounding Willamette Valley area with a comparable mix of consumer deposit products, auto/home lending, and digital banking. Directly comparable in scale, member-owned cooperative structure, and community credit union charter.
• Unitus Community Credit Union: Oregon and Washington-based community credit union offering consumer deposits, lending, and digital banking with a similar cooperative structure. Directly comparable as a Pacific Northwest community credit union serving consumer members.

Regional players

• Cascade Community Credit Union: Oregon-based community credit union with consumer deposits, lending, and digital banking. Comparable as a small Oregon community credit union operating with a similar cooperative model and member-focused value proposition.
• Rogue Credit Union: Oregon-headquartered credit union serving southern Oregon with consumer and small business banking. Comparable community credit union operating model, though geographically focused on a different Oregon region than BCSCU.
• Wauna Credit Union: Oregon-based community credit union serving Columbia County and surrounding areas with consumer banking, lending, and digital services. Comparable as a small Oregon community credit union with a similar consumer-focused product suite, though in a different geographic market.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights7 records

Customer concentration

Compliance1 record

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 BCSCU