Chaffey Federal Credit Union

What Chaffey Federal Credit Union does

Chaffey Federal Credit Union is a federally chartered, member-owned credit union headquartered in Upland, California, serving communities across eastern Los Angeles and southwestern San Bernardino Counties through three branch locations — Upland, Rancho Cucamonga, and West Covina. Operating as a not-for-profit financial cooperative since the 1960s, the institution recently converted to a Community Charter Credit Union, broadening membership eligibility to anyone who lives, works, regularly conducts business, attends school, or worships within the designated service-area cities (including Azusa, West Covina, La Verne, Upland, San Bernardino, Rancho Cucamonga, and Hesperia). The credit union is led by CEO Diane Kotlewski and is federally insured by the NCUA, with supplemental coverage through American Share Insurance.

The product portfolio spans three layers. Deposit products include Chaffey Plus Checking ($6/month), Basic Checking, traditional Savings, Share Certificates (≥$1,000 minimum), Money Market, HSAs, IRAs, and a promotional Summer Savings Club at 5.80% APY / 5.678% APR; lending products include auto loans, mortgages/HELOCs, personal loans, lines of credit, Visa credit cards (as low as 9.99% APR, no annual fee, Visa Rewards), and purpose-specific loans (Tax Relief, Budget Relief, School Supplies). Digital platforms encompass an online banking portal, a mobile app with biometric and 2FA authentication, the Chaffey Card Hub for card controls, Zelle P2P integration, and digital-wallet provisioning (Apple Pay, Google Pay, Samsung Pay). Member services include W.I.S.E. Financial Coaching (certified via America's Credit Unions), Bite of Reality simulations, My First Nest Egg youth education, TruStage insurance, AutoAlliance vehicle-shopping, and Mercury Mechanical Protection.

Revenue is generated primarily through net interest margin on the diversified consumer loan book, supplemented by deposit and service fees (e.g., $6/month Plus Checking, wire, notary, skip-a-pay), insurance and protection-product commissions through TruStage and Mercury, and float on member deposits. Distribution is community-led: branch-led consultation, school-based financial education partnerships (Chaffey Joint Union HSD, Upland USD, Colony HS, Options For Youth, West End SELPA, Arroyo Valley HS), community events (CEO Conversations, Money Talks), and digital channels — no paid acquisition marketing is disclosed.

Name

Chaffey Federal Credit Union

Legal name

Chaffey Federal Credit Union

Website

https://chaffey.com

Company type

Private

Founded year

1964

Operating status

Operating

Headcount range

11–50 employees

Short description

Chaffey Federal Credit Union is a federally chartered, member-owned credit union headquartered in Upland, California, serving eastern Los Angeles and southwestern San Bernardino Counties with deposit products, lending services, digital banking, and certified financial education programs for individual members.

Ownership category

akta.pro rank

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

Credit Cards & Revolving Credit (FSABAAAC)

Keywords

• Retail banking services
• Consumer lending
• Credit union services
• Digital banking
• Financial education

Headquarters

HQ city

Upland

HQ country

United States

HQ region

North America

Offices4 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: Chaffey FCU generates primary revenue through interest earned on loans including auto loans, home loans (mortgages and HELOCs), personal loans, credit cards, and share certificates. As a not-for-profit cooperative, interest collected from borrowers is distributed back to members through better rates on savings and lower rates on loans.
2. Financial Services Fees: Fees associated with account services including monthly maintenance fees (e.g., $6 monthly service fee for Chaffey Plus Checking), transaction fees, and service charges for services such as wire transfers, notary services, and skip-a-pay options.
3. Protection and Insurance Products: Revenue from offered protection plans including Mercury Mechanical Protection for vehicles and insurance products through TruStage partnership, providing GAP coverage and mechanical breakdown protection.

Pricing tiers

Go-to-market motion1 record

Distribution channels5 records

Marketing channels5 records

Core offering

Chaffey Federal Credit Union is a not-for-profit, member-owned financial cooperative that delivers community banking services including deposit accounts (checking, savings, share certificates, money market, HSA, IRA), consumer loans (auto, mortgage, personal, line of credit, credit cards), digital banking via online and mobile channels, and financial education programs (WISE Financial Coaching, Bite of Reality, My First Nest Egg). Members are individuals who live, work, attend school, or worship across eastern Los Angeles and southwestern San Bernardino Counties.

Product overview

Chaffey Federal Credit Union operates as a full-service financial institution offering a comprehensive suite of banking products and services organized into three main categories: deposit products (Checking Accounts including Chaffey Plus Checking with cash back rewards, Savings Accounts, Summer Savings Club high-yield savings, Share Certificates, Money Market Accounts, Health Savings Accounts, Individual Retirement Accounts, and specialized accounts for minors and international students), lending products (Auto Loans, Home Loans/Mortgages, Personal Loans, Lines of Credit, Visa Credit Cards with rewards, Tax Relief Loans, Budget Relief Loans for debt consolidation, and School Supplies Loans), and digital banking platforms (Online Banking portal, Mobile App, and Chaffey Card Hub for card management). The institution also provides financial education programs including WISE Financial Coaching, My First Nest Egg for youth, and Bite of Reality simulations, along with protection products like Mercury Mechanical Protection and insurance partnerships.

Differentiator

Problem solved

Functional benefit

Brands

• Chaffey Card Hub: A mobile app created to help Members manage their Chaffey FCU cards more effectively. Features include locking cards, managing spending, setting transaction alerts, and connecting to digital wallets.
• W.I.S.E. Financial Coaching
• Bite of Reality
• My First Nest Egg
• Chaffey Plus Checking
• Chaffey Jr Checking & Savings

Products and services

• Chaffey Plus Checking Premium checking account for individual members offering in-app cash back, shopping rewards through an online portal, and IDProtect identity monitoring, billed at a $6 monthly service fee.
• Basic Checking Standard checking account with no-fee or low-fee options and essential banking features for everyday consumer transactions.
• Savings Accounts Traditional savings accounts providing secure fund storage with competitive interest rates for members.
• Summer Savings Club High-yield savings account offering 5.80% APY / 5.678% APR designed to help members save for summer activities and vacations.
• Share Certificates Term savings accounts requiring a minimum balance of $1,000 to earn locked-in higher rates than traditional savings.
• Money Market Accounts Higher-yield savings accounts offering checking-like liquidity with returns exceeding traditional savings.
• Health Savings Accounts (HSA) Tax-advantaged accounts for covering qualified medical expenses, available to members with high-deductible health plans.
• Individual Retirement Accounts (IRAs) Tax-advantaged retirement savings accounts including traditional and Roth IRA options for long-term financial planning.
• Chaffey Jr Checking & Savings Banking accounts designed for minors with parental oversight, teaching financial responsibility from an early age.
• School Accounts Specialized accounts for school-based financial education programs and student banking needs.
• International Student Accounts Banking services tailored for international students with specific documentation and account requirements.
• Auto Loans Vehicle financing with competitive rates, GAP coverage, and Mercury Mechanical Protection plans for new and used car purchases.
• Home Loans / Mortgages Mortgage products including fixed-rate and adjustable-rate loans for home purchases, with a minimum 3% down payment requirement.
• Personal Loans Unsecured loans for various personal financial needs including debt consolidation and major purchases.
• Line of Credit Revolving credit access allowing members to borrow funds as needed up to their approved credit limit.
• Visa Credit Cards Credit cards with Visa Rewards points on purchases, no annual fees, and low fixed rates as low as 9.99% APR.
• Tax Relief Loan Loan product helping members meet IRS payment deadlines while maintaining their budget during tax season.
• Budget Relief Loan Debt consolidation loan designed to help members simplify payments and reduce overall interest costs.
• School Supplies Loan Specialized loan for school employees to cover educational and classroom-related expenses.
• Online Banking Digital banking platform enabling 24/7 account management via web browser with two-factor authentication security.
• Chaffey Card Hub Mobile app for managing Chaffey FCU Visa cards including card locking, spending management, transaction alerts, and digital wallet connection.
• Mobile App Full-service mobile banking application for managing accounts from smart devices with fingerprint and facial recognition authentication.
• W.I.S.E. Financial Coaching Certified financial coaching program providing members with personalized guidance on budgeting, debt management, and credit improvement, delivered by America's Credit Unions-certified coaches.
• Insurance Products Insurance offerings provided through the TruStage partnership, including auto insurance quotes and coverage options for members.
• Mercury Mechanical Protection Mechanical breakdown protection plans covering major vehicle systems not included in standard warranties.

Quantifiable outcome

• 2025 Social Impact Award from California and Nevada Credit Union League recognizing excellence in community reinvestment

Named customers8 records

Segments5 records

Ideal customer profiles5 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration5 records

Feature4 records

Partnerships

16 partnerships are on record, tiered core and minor.

• Make-A-Wish Orange County and the Inland EmpirecoreStrategic or Co-development Partner · 1 April 2026Chaffey FCU partnered with Make-A-Wish OC IE during Credit Union Youth Month (April) to grant life changing wishes for local families. The credit union donated $4,795.03 and participated in the World Wish Month Reception event.
• America's Credit UnionscoreTechnology or Integration · 1 January 2026Chaffey FCU's W.I.S.E. Financial Coaches receive certification from America's Credit Unions through their Financial Counseling course, enabling the credit union to provide certified financial coaching to members.
• Upland USD (Upland Unified School District)coreStrategic or Co-development Partner · 1 January 2026Ongoing partnership providing financial education to students through the Student Mentor program, budgeting workshops, and scholarship support for Upland High School students. Joint community event provided scholarships, transportation, and financial education to a deserving student.
• Colony High SchoolcoreStrategic or Co-development Partner · 1 January 2026Partnership for Bite of Reality financial education program and comprehensive financial skills courses covering banking services, budgeting, credit, and lending topics for students.
• Chaffey Joint Union High School DistrictcoreStrategic or Co-development Partner · 1 January 20267th year partnership to award scholarships to students at each high school campus. Students are chosen by campus security for dedication to school, improvement, and positive impact.
• Options For Youth High SchoolscoreStrategic or Co-development Partner · 1 January 2026Partnership to bring critical financial skills to students including budgeting, credit, lending, and entrepreneurship education through a Financial Education Symposium.
• West End SELPA (Special Education Local Plan Area)coreStrategic or Co-development Partner · 1 January 2026Partnership with Special Education Local Plan Area to provide interactive budgeting workshops at Chino High School for students with disabilities.
• AspiranetminorStrategic or Co-development Partner · 1 January 2026Foster and adoption support organization; Chaffey FCU provided financial education to teens and young adults at Aspiranet's Redlands location covering topics relevant to their financial journey.
• Arroyo Valley High SchoolminorStrategic or Co-development Partner · 1 January 2026College and Career Fair participation providing financial education and free resources to graduating students to help them understand the Credit Union world and build financial knowledge.
• Ford of UplandminorChannel Partner/ Reseller/ Distributor · 1 January 2026Joint community event partner for UUSD student donation, providing transportation scholarship alongside Chaffey FCU and CALSA.
• CALSAminorStrategic or Co-development Partner · 1 January 2026Partner in UUSD student donation event, collaborating on scholarship and support for a deserving student heading to college.
• Keller Williams/Defabulous EstatesminorImplementation/ SI/ Consulting Partner · 1 January 2026Real estate professionals hosting Branch Events at Chaffey FCU locations to help members understand the housing market and jumpstart their home buying journey. (No formal partnership; informational only.)
• C2 Reality / Real BrokerageminorImplementation/ SI/ Consulting Partner · 1 January 2026Real estate professionals hosting Branch Events at Chaffey FCU locations to help members understand the housing market and jumpstart their home buying journey. (No formal partnership; informational only.)
• TruStageminorChannel Partner/ Reseller/ Distributor · 1 January 2025Chaffey FCU offers auto insurance quotes through TruStage partnership, providing members access to insurance products alongside their financial services.
• AutoAllianceminorChannel Partner/ Reseller/ Distributor · 1 January 2025Partnership to help members find vehicles with Chaffey FCU financing options, providing a vehicle shopping resource through the credit union's auto loan services.
• Consumer Financial Protection BureauminorStrategic or Co-development Partner · 1 January 2025Referenced as a resource partner providing guides to filing taxes and tax-related consumer education through VITA (Volunteer Income Tax Assistance) program information.

Scale indicators4 records

Recent moves7 records

Expansion highlights6 records

Market position

Weaknesses2 records

Competitive moat4 records

Key risks6 records

Key highlights6 records

Customer concentration

• Xx.com/chaffeyfcu

Compliance3 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles2 records

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 Chaffey Federal Credit Union