Refugio County Federal Credit Union
Refugio County Federal Credit Union is a small, single-branch, federally chartered member-owned credit union founded in 1958 in Refugio, Texas, serving employees and families of three local school districts with deposit, consumer loan, and mortgage products via Member.Net online banking and the Co-op ATM network.
- Company typePrivate
- Founded1958
- HeadquartersRefugio, United States
- Headcount1–10
- GTM typeB2C
- OfferingServices
What Refugio County Federal Credit Union does
Refugio County Federal Credit Union is a small, single-branch, member-owned federal credit union chartered in 1958 and headquartered in Refugio, Texas. Its field of membership is restricted to employees and families associated with three school districts in Refugio County, making it a closed employer-group cooperative rather than a community-chartered institution open to the general public. As a not-for-profit credit union, it operates under NCUA supervision and federal deposit insurance, and reinvests earnings into member services rather than distributing profit.
Core products consist of standard credit union offerings: share/savings accounts, share drafts (checking), consumer loans, and, more recently, mortgage loan origination via a dedicated third-party mortgage platform (rcfcu.mymortgage-online.com). Member-facing technology is built on Member.Net, a vendor-hosted online and mobile banking platform commonly deployed by small credit unions, supplemented by a web-based consumer loan application workflow. The credit union participates in the Co-op shared ATM network, extending surcharge-free ATM access beyond its single physical branch.
The business model is that of a traditional cooperative depository institution: net interest margin on loans and investment securities, plus fee income on deposit and loan services, with surplus returned to members in the form of better rates, lower fees, or capital reserves. The go-to-market motion is passive and relationship-driven — members are acquired primarily through school district payroll relationships and family referrals rather than active marketing. Customer concentration is extreme, anchored to a small rural Texas county, which structurally constrains growth and creates meaningful single-county economic exposure.
Refugio County Federal Credit Union firmographics
Firmographics- Name
- Refugio County Federal Credit Union
- Legal name
- Refugio County Federal Credit Union
- Website
- https://refugiocountyfcu.com
- Company type
- Private
- Founded year
- 1958
- Operating status
- Operating
- Headcount range
- 1–10 employees
- Short description
- Refugio County Federal Credit Union is a small, single-branch, federally chartered member-owned credit union founded in 1958 in Refugio, Texas, serving employees and families of three local school districts with deposit, consumer loan, and mortgage products via Member.Net online banking and the Co-op ATM network.
- Ownership category
- akta.pro rank
Refugio County Federal Credit Union industry classification
Industry- Product category
- Community Credit Union 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
- Community Development Credit Unions (CDCUs) (FSABAEAC)
Keywords
Where Refugio County Federal Credit Union is headquartered
LocationHeadquarters
- HQ city
- Refugio
- HQ country
- United States
- HQ region
- North America
Offices1 record
Markets served
Refugio County Federal Credit Union business model
Business model- GTM type
- B2C
- Offering type
- Services
- Cost components
- Personnel, Operations, Infrastructure, Technology or R&D, Marketing or Sales, Others
Revenue model
- Loan Interest Income: Primary revenue from lending activities including new/used automobiles, recreational vehicles, signature loans up to $5,500, share-secured loans, and home improvement loans. Interest rates vary by loan type.
- Savings/Share Account Services: Fees and service charges including $25 minimum balance requirements, quarterly statements on savings, monthly statements on checking, and dividend payments to members.
- Banking Service Fees: Revenue from wire transfers, Western Union services, auto pay, and bill pay services.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Other | Monthly | Signature Loans: as low as 10.50% APR, 0-48 month terms |
| Other | Monthly | New Vehicles, Boats, RVs: 0-48 months at 5.10% APR, 49-72 months at 6.00% APR |
| Other | Monthly | Used Vehicle (7 years or older): as low as 10.50% APR, up to 60 months |
| Other | Monthly | Computer Loans: 9.500% APR, up to 24 months |
| Other | Quarterly | Share Secured Loans: Highest Dividend + 2.000% APR |
| Other | Monthly | Other Collateral: up to 18.000% APR |
| Subscription | Quarterly | Share Savings: $25-$15,000 at 0.75% APY, $15,000-$30,000 at 1.26% APY, $30,000+ at 1.76% APY |
| Other | Monthly | Share Draft (Checking): 0.00% APR/APY |
| Subscription | Annual | Share Certificates: 3.00% APY for 1-year term |
Go-to-market motion1 record
Distribution channels5 records
Marketing channels3 records
Refugio County Federal Credit Union product offering
Product offeringCore offering
Refugio County Federal Credit Union is a member-owned, not-for-profit financial cooperative providing retail banking products including share savings accounts, share draft (checking) accounts, and a range of consumer loan products (new/used automobiles, recreational vehicles, signature loans, share-secured loans, home improvement loans, computer loans, and mortgage loans). Members access accounts through a single physical branch in Refugio, TX and via digital channels including Member.Net home banking, mobile banking, online bill pay, audio banking, and a Co-op ATM/debit card network.
Product overview
Refugio County Federal Credit Union is a member-owned, not-for-profit financial institution offering a comprehensive suite of banking products and services. The core offerings include savings and checking accounts with competitive rates, various loan products (automobile, recreational vehicle, signature, share-secured, home improvement, and mortgage loans), and digital banking services. Digital access is provided through Member.Net home banking platform, mobile banking, online bill pay, and 24/7 audio banking. Additional services include ATM/debit card access through the Co-op ATM network, wire transfers, Western Union money transfers, and direct deposit capabilities. The credit union emphasizes member-focused service with lower loan rates and higher savings rates compared to traditional banks.
Differentiator
Problem solved
Functional benefit
Quantifiable outcome
- Member savings rates: 0.75%-1.76% APY depending on balance tier
- +3 more outcomes
Companies that use Refugio County Federal Credit Union
Customer profileSegments3 records
Ideal customer profiles2 records
Refugio County Federal Credit Union technology and API
TechnologyAPI detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Integration4 records
Refugio County Federal Credit Union partnerships and signals
Strategic signalPartnerships
One partnership is on record.
- Member.NetcoreHome banking platform provider. The credit union switched their home banking product to Member.Net, requiring members to register for first-time access.
Scale indicators3 records
Recent moves1 record
Expansion highlights3 records
Refugio County Federal Credit Union competitors and assessment
Company assessmentBroad incumbents
- Alliant Credit Union: Large digital-first U.S. credit union with a broad community-charter field-of-membership and competitive savings/lending rates; represents the type of nationwide digital credit union whose mobile app and rates can draw price-sensitive members away from small community credit unions like Refugio County FCU.
- Security Service Federal Credit Union: One of the largest credit unions in Texas with a broad field-of-membership across many employer groups and full digital/mobile banking, comparable as a Texas-based credit union serving community/employee groups and competing for the same regional deposit and loan pool as Refugio County FCU.
- TDECU (Texas Dow Employees Credit Union): Large Texas-headquartered credit union originally chartered around an employer group (Dow Chemical), now community-chartered; comparable member-owned cooperative model with broad Texas footprint and digital capabilities that compete with small community credit unions for share-of-wallet.
Regional players
- Firstmark Credit Union: San Antonio-based Texas credit union operating across South and Central Texas, comparable in offering community-style member banking with savings, lending, and digital channels and competing in the same South Texas regional deposit/lending market as Refugio County FCU.
- IBC Bank (Refugio branch): Texas-based regional commercial bank with a branch presence in Refugio and surrounding counties; competes head-to-head with Refugio County FCU for local consumer deposit and loan accounts, especially among non-school-district residents.
- Pioneer Bank (Texas): Texas community bank with branches in rural South Texas markets comparable to Refugio County, offering consumer deposits, consumer lending, and small-business banking directly competing with a small community credit union in the same geography.
Direct peers
- Navy Federal Credit Union: Federally chartered credit union named as part of Refugio County FCU's Co-op ATM network; serves a defined employee/military-affiliated membership with a comprehensive deposit and loan product set, representing the kind of large federal credit union competing for share-of-wallet among Refugio-area members.
- Randolph-Brooks Federal Credit Union: Large Texas-based federal credit union explicitly partnered in Refugio County FCU's Co-op ATM network; offers a comparable suite of savings, checking, auto, and mortgage products to a defined membership group, making it a direct competitor for Texas community credit-union members.
- Suntide Federal Credit Union: Texas-based federal credit union named in Refugio County FCU's Co-op ATM network; comparable in serving a defined membership with savings, lending, and digital banking services and competing for Texas community credit-union members in the same regional footprint.
- Homeport Federal Credit Union: Federal credit union included in Refugio County FCU's Co-op ATM partnership roster, serving a community/employer membership base with similar core deposit and consumer-loan products and operating in the broader Texas/Gulf Coast credit union ecosystem.
Market position
Strengths4 records
Weaknesses5 records
Competitive moat5 records
Key risks6 records
Key highlights6 records
Customer concentration
Refugio County Federal Credit Union compliance and trust
Trust signalCompliance3 records
Refugio County Federal Credit Union financial estimates
Financial estimateRevenue estimate
Valuation estimate
Refugio County Federal Credit Union leadership team
Management profileNumber of profiles
Profiles7 records
Refugio County Federal Credit Union funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Refugio County Federal Credit Union M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Refugio County Federal Credit Union
What does Refugio County Federal Credit Union do?
Refugio County Federal Credit Union is a member-owned, not-for-profit financial cooperative providing retail banking products including share savings accounts, share draft (checking) accounts, and a range of consumer loan products (new/used automobiles, recreational vehicles, signature loans, share-secured loans, home improvement loans, computer loans, and mortgage loans). Members access accounts through a single physical branch in Refugio, TX and via digital channels including Member.Net home banking, mobile banking, online bill pay, audio banking, and a Co-op ATM/debit card network.
Is Refugio County Federal Credit Union a public or private company?
Refugio County Federal Credit Union is a private company. It is classified as nonprofit foundation owned and is currently operating.
When was Refugio County Federal Credit Union founded?
Refugio County Federal Credit Union was founded in 1958. It employs 1 to 10 people.
Where is Refugio County Federal Credit Union based?
Refugio County Federal Credit Union is headquartered in Refugio, United States, in the North America region.
How does Refugio County Federal Credit Union make money?
Three revenue lines are on record. Loan Interest Income is the primary driver. The others are savings/Share Account Services and banking Service Fees.
Who are Refugio County Federal Credit Union's main competitors?
Broad incumbents on record are Alliant Credit Union, Security Service Federal Credit Union and TDECU (Texas Dow Employees Credit Union). Regional players are Firstmark Credit Union, IBC Bank (Refugio branch) and Pioneer Bank (Texas). Direct peers are Navy Federal Credit Union, Randolph-Brooks Federal Credit Union, Suntide Federal Credit Union and Homeport Federal Credit Union.
Does Refugio County Federal Credit Union have an API?
No public API is recorded for Refugio County Federal Credit Union.
What industry is Refugio County Federal Credit Union in?
Refugio County Federal Credit Union's product category is Community Credit Union Banking. Its primary akta.pro industry code is FSABAEAA, Community Credit Unions (Retail/Consumer Focus), with a secondary code of FSABAEAC, Community Development Credit Unions (CDCUs). Its NAICS code is 52213 and its SIC code is 6035.