Inland Federal Credit Union

What Inland Federal Credit Union does

Inland Federal Credit Union, now operating as Inland Credit Union, a Division of Cabrillo Credit Union, is a not-for-profit, NCUA-insured community credit union headquartered at 8811 Grossmont Blvd., La Mesa, California, serving members of the Catholic Community in San Diego. Founded in the early 1950s, the institution has accumulated 70-plus years of brand history focused on a single faith-based demographic in a single metro market. Its product set is standard retail banking: checking and savings accounts, certificates of deposit (up to 4.00% APY), individual retirement accounts, auto loans (from 4.54% APR), personal loans (8.74% APR), home loans, and Visa credit cards (10.15% APR), delivered through a single physical branch plus a web-based online banking portal and native iOS/Android mobile applications.

Underlying technology is commodity retail-banking infrastructure: a financial-net-hosted online banking portal and a white-label mobile app built around standard account access, bill pay, fund transfer, and balance inquiry workflows. No proprietary technology stack, APIs, or differentiated AI/data capabilities are evidenced. Following member approval in 2024, Inland merged into Cabrillo Credit Union as a division, gaining access to Cabrillo's digital banking platform, broader lending products, and expanded member support infrastructure while retaining the Inland brand for its existing member base.

Revenue mechanics are conventional credit-union economics: net interest spread on the loan portfolio (auto, personal, home, credit card), net interest margin on deposits and certificates, and ancillary service fees on deposit and bill-pay accounts. The institution reports 1-10 employees and no standalone revenue disclosure. Distribution is direct-to-consumer, member-owned, and relationship-based rather than transaction-based or enterprise-scaled.

Name

Inland Federal Credit Union

Legal name

Inland Credit Union, a Division of Cabrillo Credit Union

Website

https://inlandfederal.org

Company type

Private

Founded year

1950

Operating status

Operating

Headcount range

1–10 employees

Short description

Inland Federal Credit Union, now a division of Cabrillo Credit Union, is a not-for-profit, NCUA-insured community credit union serving Catholic Community members in San Diego with standard retail banking, lending, and digital banking services since the early 1950s.

Ownership category

akta.pro rank

Product category

Retail Banking (Community Credit Union)

NAICS

Credit Unions (52213), Credit Card Issuing (52221)

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 deposit accounts
• Consumer lending products
• Credit union membership
• Digital banking services

Headquarters

HQ city

El Cajon

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Interest Income: Revenue generated from interest earned on loans including auto loans, personal loans, home loans, and credit cards. As a not-for-profit credit union, interest income is returned to members through competitive rates.
2. Deposit Interest: Earnings from offering deposit products including checking, savings, certificates, and IRA accounts. Certificate rates offered as high as 4.00% APY.
3. Service Fees: Fees associated with account services including checking accounts, bill pay services, and potentially overdraft or ATM fees.

Pricing tiers

Go-to-market motion1 record

Distribution channels3 records

Marketing channels3 records

Core offering

Inland Federal Credit Union is a member-owned, not-for-profit credit union serving the Catholic Community in San Diego with retail banking products and services. Its core offerings include deposit products (checking, savings, certificates of deposit up to 4.00% APY, and IRAs), consumer lending (auto loans from 4.54% APR, personal loans at 8.74% APR, home loans, and Visa credit cards at 10.15% APR), and digital banking channels (online banking portal and iOS/Android mobile apps) for balance checks, bill pay, and fund transfers.

Product overview

Inland Credit Union, a Division of Cabrillo Credit Union, offers a unified suite of traditional financial services through a single integrated banking platform. The core offering combines deposit products (checking, savings, certificates, IRAs) with lending solutions (auto loans, personal loans, home loans, credit cards), supported by digital banking channels including online and mobile banking. All services are accessible through a unified member account, with products designed to serve the Catholic Community in San Diego.

Differentiator

Problem solved

Functional benefit

Products and services

• Checking / Savings Accounts Basic deposit accounts including checking and savings with competitive rates, designed for everyday banking needs of individual members and households.
• Certificates (CDs) Certificate of Deposit accounts offering rates as high as 4.00% APY for term-based savings, available to members seeking higher-yield deposits than standard savings.
• IRA Account Individual Retirement Account options for tax-advantaged retirement savings, available to members planning long-term retirement savings.
• Auto Loans Financing options for vehicle purchases with competitive rates starting at 4.54% APR, available to members borrowing for new or used vehicles.
• Personal Loans Unsecured lending for personal expenses with rates at 8.74% APR, available to members needing funds for personal, non-mortgage purposes.
• Home Loans Mortgage and home equity financing products for purchasing or refinancing residential property, available to members seeking home financing.
• Credit Cards Visa credit card products offering various reward structures, rates, and benefits for members needing revolving credit for everyday purchases.
• Loan Pre-Approval Preliminary approval process for loan applicants to determine eligibility and estimated loan amounts ahead of completing a full loan application.
• Online Banking Web-based banking platform enabling members to access accounts, manage finances, pay bills, transfer funds, and conduct transactions online 24/7.
• Mobile Banking Smartphone application providing account access, balance checks, bill payment, and fund transfers for on-the-go banking via iOS and Android devices.

Quantifiable outcome

• Certificate rates up to 4.00% APY
• +2 more outcomes

Segments1 record

Ideal customer profiles1 record

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature2 records

Partnerships

One partnership is on record.

• Cabrillo Credit UnioncoreStrategic or Co-development PartnerInland Federal Credit Union completed a merger with Cabrillo Credit Union, becoming 'Inland Credit Union, a Division of Cabrillo Credit Union'. Inland members approved the merger, gaining access to more tools, expanded member support, enhanced digital banking, and financial services backed by Cabrillo's 70+ years of experience.

Scale indicators2 records

Recent moves5 records

Expansion highlights4 records

Emerging players

• SoFi: SoFi is a digital-first bank and lender offering savings, checking, personal loans, auto loans, and credit cards with membership-based perks. Comparable to Inland on consumer lending and deposit products, and competes for Inland's younger Catholic-community members seeking digital-first banking experiences.
• SchoolsFirst Federal Credit Union: SchoolsFirst FCU is a large California credit union serving school employees and their families, offering deposit, mortgage, and consumer loan products. While its field of membership is occupation-based rather than faith-based, it is structurally comparable to Inland as a closed-charter, community-focused credit union with a niche membership base.
• Ally Bank: Ally is a digital-first bank offering high-yield savings, CDs, auto loans, and credit cards nationwide. Comparable to Inland on deposit and consumer lending products, but with no physical branches and a national, non-restricted membership base — competing for Inland's deposit and loan customers digitally.

Broad incumbents

• Chase Bank: Chase is a national retail bank with a large San Diego branch footprint offering checking, savings, mortgage, auto, and credit card products. It competes with Inland for the same consumer deposit and lending customers but at vastly greater scale and breadth.
• Bank of America: Bank of America is a national retail bank with extensive San Diego presence and a full consumer banking product set, including the BankAmericard credit card. Comparable to Inland on consumer deposit, lending, and credit card offerings, but at significantly larger scale.
• Navy Federal Credit Union: Navy Federal is the largest U.S. credit union, serving military members and families with a full suite of consumer banking, lending, and credit card products. Comparable as a closed-charter, federally insured credit union, but at vastly greater scale than Inland.

Direct peers

• California Coast Credit Union: California Coast Credit Union is a San Diego-area community credit union offering a comparable consumer banking and lending suite (checking, savings, auto loans, mortgages, credit cards). Overlap with Inland is strong on geography and product breadth, though California Coast serves a broader field of membership.
• Mission Federal Credit Union: Mission Fed is a large San Diego-based community credit union serving consumer and small business members with deposit accounts, mortgage, auto, and personal lending products. Comparable to Inland on community credit-union positioning and San Diego market overlap.
• San Diego County Credit Union: SDCCU is the largest community credit union headquartered in the San Diego region, offering checking, savings, auto, mortgage, and credit card products to consumer and business members. It directly competes with Inland for Catholic-community and broader San Diego consumer banking relationships.
• Cabrillo Credit Union: Cabrillo Credit Union is the merged parent/partner institution of Inland; both are California-based, NCUA-insured credit unions offering the same core suite of deposit, lending, and credit card products to consumer members. It is the most directly comparable peer given the formal division relationship and shared product platform.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat4 records

Key risks5 records

Key highlights5 records

Customer concentration

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 Inland Federal Credit Union