Highway Crossroads Credit Union

What Highway Crossroads Credit Union does

Highway Crossroads Credit Union is a federally insured, member-owned financial cooperative headquartered at 741 York Drive in Sikeston, Missouri. The credit union serves residents, workers, and retirees of five Southeast Missouri counties — Cape Girardeau, New Madrid, Mississippi, Scott, and Stoddard — together with current and former employees of the Missouri Department of Transportation (MoDOT) Southeast District and Missouri State Highway Patrol (MSHP) Troop E, as well as their relatives. Membership eligibility is geographically and occupationally constrained, defining a fixed, well-defined member pool served primarily through one physical branch with standard weekday hours and a set of digital self-serve channels.

The credit union delivers a standard consumer banking product suite. Deposit products include checking accounts, share (savings) accounts, youth accounts, certificates of deposit, and Christmas Club savings. Card products comprise credit cards with contactless pay, Debit Mastercard, reloadable cards, and Visa gift cards. Consumer lending includes vehicle loans, home equity loans and lines of credit, revolving lines of credit, and personal loans, with optional payment protection. Digital infrastructure consists of a mobile app, Internet Member Access (online banking), bill pay, eStatements, and ClickSWITCH for inbound account migration; loan origination flows through a CU*Answers (CUDL) internet loan application portal, and online loan payments run on a Clover payment widget. Layered services include the Auto Link car buying platform (Auto Values pricing, Vehicle History Reports, Virtual Test Drives) and a suite of financial calculators.

Revenue is generated primarily through interest earned on consumer loans, supplemented by deposit-related fees (overdraft, ATM, account maintenance), credit card interest and Mastercard debit interchange, and the funding cost on share deposits and CDs. Distribution combines the Sikeston branch with self-serve digital channels for account servicing and loan origination. Marketing and member acquisition rely on community-led referral dynamics supplemented by the website, a Facebook presence, the Highway Hero Scholarship program, and a Giveback community program. The credit union is not publicly traded, not PE- or VC-backed, and operates as a member-owned cooperative under NCUA oversight.

Name

Highway Crossroads Credit Union

Legal name

Highway Crossroads Credit Union

Website

https://highwaycrossroadscu.com

Company type

Private

Founded year

1953

Operating status

Operating

Headcount range

11–50 employees

Short description

Highway Crossroads Credit Union is a federally insured, member-owned financial cooperative serving residents, workers, and retirees in five Southeast Missouri counties plus MoDOT and MSHP employees, offering deposit accounts, consumer loans, cards, and digital banking through a single Sikeston branch.

Ownership category

akta.pro rank

Product category

Retail Banking

NAICS

Credit Unions (52213)

akta.pro primary industry

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

Keywords

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

Headquarters

HQ city

Mouscron

HQ country

Belgium

HQ region

Europe

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Loan Interest Income: The credit union generates primary revenue from interest earned on vehicle loans, home equity loans, revolving lines of credit, and personal loans issued to members. This is the core revenue driver typical of credit unions.
2. Deposit Account Fees and Charges: Revenue generated from fee disclosure schedules including overdraft fees, ATM fees, account maintenance charges, and other banking service fees on checking, savings, and share accounts.
3. Credit and Debit Card Interchange: Revenue from credit card interest and fees as well as debit Mastercard interchange fees on card transactions.
4. Certificate of Deposit and Christmas Club Accounts: Members' share account deposits fund the credit union's lending activities, with CDs providing fixed-term deposit products.

Go-to-market motion1 record

Distribution channels5 records

Marketing channels5 records

Core offering

Highway Crossroads Credit Union is a member-owned financial cooperative that provides retail banking products to residents, workers, and retirees of five Southeast Missouri counties (Cape Girardeau, New Madrid, Mississippi, Scott, and Stoddard) and to employees/retirees of MoDOT (SE District) and MSHP (Troop E). Its core offering is a bundled banking platform combining deposit products (checking, share, youth, CDs, Christmas Club), card products (credit, debit Mastercard, reloadable, Visa gift), and lending products (vehicle loans, home equity, revolving line of credit) supported by digital services such as a mobile app, online banking, bill pay, eStatements, ClickSWITCH account migration, and an Auto Link car buying service.

Product overview

Highway Crossroads Credit Union offers a traditional credit union banking platform with a unified suite of deposit accounts, lending products, and digital banking services. The core offerings include checking and savings accounts (Share Accounts, Youth Accounts, Certificates of Deposit, Christmas Club), card products (Credit Cards with contactless pay, Debit Mastercard, Reloadable Cards, Visa Gift Cards), and loan products (Vehicle Loans, Home Equity, Revolving Line of Credit, Payment Protection). Digital services are centered around Mobile App, Online Banking (Internet Member Access), Bill Pay, eStatements, ClickSWITCH for account switching, and Financial Calculators. Additional services include Auto Link (car buying assistance) and Online Loan Payment. The portfolio is structured as a single unified banking platform with modular digital services accessible through web and mobile channels.

Differentiator

Problem solved

Functional benefit

Products and services

• Checking Accounts Personal checking account products with various features and benefits for individual members in Southeast Missouri.
• Share Accounts Savings account products (share accounts) allowing members to save and grow their money at the credit union.
• Youth Accounts Banking accounts for young members with no minimum balance requirement, $5–$15 first deposit, and cash incentives for academic achievement.
• Certificates of Deposit Time deposit accounts offering fixed interest rates for specified term lengths.
• Christmas Club Specialty savings account for holiday expenses with automated saving features.
• Credit Cards Credit card products offering contactless pay capabilities for members.
• Debit Mastercard Debit card branded with Mastercard logo enabling point-of-sale and ATM transactions.
• Reloadable Cards Prepaid reloadable debit cards for flexible spending and budgeting.
• Visa Gift Cards Prepaid gift cards branded with Visa for gifting purposes.
• Vehicle Loans Financing options for vehicle purchases including new and used automobiles.
• Home Equity Home equity loan and line of credit products leveraging borrower property value.
• Revolving Line of Credit Flexible revolving credit account providing ongoing access to funds up to a set limit.
• Payment Protection Credit protection product covering loan payments in cases of disability, unemployment, or death.
• Auto Link Car Buying Service Car buying service providing Auto Values pricing lookup, Vehicle History Reports, and Virtual Test Drives to assist members with vehicle purchase decisions.
• Mobile Banking App Mobile banking application enabling members to access their accounts anytime, anywhere, with contactless pay support for in-person and online purchases.
• Online Banking (Internet Member Access) Secure online banking platform allowing members to manage accounts, view balances, transfer funds, and access eStatements 24/7.
• Bill Pay Electronic bill payment service allowing members to track, pay, and manage bills 24/7.
• ClickSWITCH Account switching service that helps new members migrate direct deposits and recurring payments from their existing financial institution to the credit union.
• Online Loan Payment Digital platform enabling members to make online loan payments via the Clover payment widget.

Quantifiable outcome

• Members report consistently obtaining better loan rates than other financial institutions

Named customers5 records

Segments4 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature4 records

Scale indicators3 records

Recent moves5 records

Expansion highlights4 records

Broad incumbents

• Together Credit Union: Large Missouri credit union (formerly Anheuser-Busch Employees' Credit Union) serving multiple employer groups and broader geographies with the same core consumer banking products (vehicle loans, mortgages, cards, digital banking) at materially greater scale.
• CommunityAmerica Credit Union: Major Kansas City-based credit union with a broad Missouri and Kansas footprint, offering overlapping consumer banking, lending, and digital products at significantly larger scale than Highway Crossroads.
• Mazuma Credit Union: Kansas City-area credit union serving a defined membership base with similar retail deposit, vehicle loan, and digital banking products, but with broader geographic reach and scale advantages over Highway Crossroads.

Regional players

• Regions Bank: Large regional bank with a branch presence in Southeast Missouri competing for the same consumer deposit and vehicle-lending customers as Highway Crossroads, but offering broader geographic reach and product breadth.
• Arvest Bank: Regional bank serving Missouri, Arkansas, and Oklahoma with community-focused branches offering consumer deposit accounts, vehicle loans, and digital banking — competing directly with Highway Crossroads for community-bank customers.

Direct peers

• Electro Savings Credit Union: St. Louis-based community credit union with a comparable member-owned cooperative structure and focus on consumer banking services including lending, deposit accounts, and digital channels. Directly comparable operating model to Highway Crossroads.
• United Credit Union: Mid-sized community credit union offering similar consumer deposit, vehicle loan, and digital banking products within a defined membership charter, closely paralleling Highway Crossroads' member-owned model.
• Great Plains Federal Credit Union: Mid-Missouri community credit union with a similar member-based, community-focused banking model serving defined geographic and employer groups with standard consumer deposit and loan products.
• First Community Credit Union: Missouri-based community credit union offering similar retail deposit and lending products (vehicle loans, mortgages, deposit accounts, digital banking) to a member-owned cooperative base. Closely comparable in size and product breadth to Highway Crossroads.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights7 records

Customer concentration

• Facebookfacebook.com/highwaycrossroadscu
• LinkedInlinkedin.com/company/highway-crossroads-credit-union

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 Highway Crossroads Credit Union