Subiaco Credit Union

Subiaco Federal Credit Union is a federally chartered, member-owned cooperative founded in 1948 that provides retail loans, deposit products, and digital banking services to individuals in five rural Arkansas counties through two branches and mobile/online platforms.

Company typePrivate
Founded1948
HeadquartersSubiaco, United States
Headcount11–50
GTM typeB2C
OfferingServices

What Subiaco Credit Union does

Subiaco Federal Credit Union is a federally chartered, member-owned financial cooperative headquartered in Subiaco, Arkansas, founded on October 21, 1948 and chartered on December 8, 1948 by seven charter members. The institution serves individuals living or working in five Arkansas counties (Logan, Franklin, Johnson, Scott, and Yell), with immediate family members of existing members also eligible for membership regardless of current geography. It operates two physical branches—a headquarters at 243 Conrad Street in Subiaco and a second location at 802 E Walnut in Paris—supplemented by a drive-thru, an online Home Banking platform, E-Statements, account alerts, and free mobile applications for iOS and Android.

The credit union's core product set is concentrated in retail lending and deposit gathering. Lending products include new auto loans at rates as low as 6.00% APR, agricultural loans at 6.49% APR, and unsecured personal loans at 13.00% APR, with a Skip-a-Pay loan deferment feature. Deposit products comprise 6-month certificates at 0.25% APY, 12-month certificates at 1.00% APY, and IRA accounts at 1.00% APY. Ancillary offerings include Credit Life and Credit Disability insurance, notary services, money orders, fax and copy services, direct deposit, and payroll deductions. The underlying technology is a third-party digital banking platform (Financial Net) with branded mobile apps, online account management, and electronic statement delivery.

The business model is a cooperative interest-income model, with revenue driven primarily by net interest spread between loan yields and deposit costs, supplemented by insurance premiums (Credit Life and Credit Disability), ancillary service fees, and minor account-related fees. Membership acquisition is priced at $1 to join with a $25 minimum balance requirement. The credit union is regulated by the NCUA, with member deposits insured up to $250,000. No public revenue disclosure is available, no external funding or M&A activity is recorded, and no management team is publicly identified in the source data.

Subiaco Credit Union firmographics

Firmographics

Name: Subiaco Credit Union
Legal name: Subiaco Federal Credit Union
Website: https://subiacofcu.org
Company type: Private
Founded year: 1948
Operating status: Operating
Headcount range: 11–50 employees
Short description: Subiaco Federal Credit Union is a federally chartered, member-owned cooperative founded in 1948 that provides retail loans, deposit products, and digital banking services to individuals in five rural Arkansas counties through two branches and mobile/online platforms.
Ownership category
akta.pro rank

Subiaco Credit Union industry classification

Industry

Product category: Retail Banking
NAICS: Credit Unions (522130)
SIC: Personal Credit Institutions (6141)
akta.pro primary industry: Community Credit Unions (Retail/Consumer Focus) (FSABAEAA)
akta.pro secondary industry: Agricultural & Rural Cooperatives (Farm Credit/Co-op Banks) (FSABAEAG)

Keywords

Retail banking
Consumer lending
Credit union services
Deposit accounts
Agricultural loans

Where Subiaco Credit Union is headquartered

Location

Headquarters

HQ city: Subiaco
HQ country: United States
HQ region: North America

Offices2 records

Markets served

Subiaco Credit Union business model

Business model

GTM type: B2C
Offering type: Services
Cost components: Personnel, Operations, Technology or R&D, Infrastructure, Marketing or Sales

Revenue model

Loan Interest Income: Interest income generated from auto loans, agricultural loans, and unsecured loans extended to members. Core revenue driver for the credit union.
Deposit Account Fees and Interest: Earnings from certificate accounts, IRA accounts, and savings accounts through interest rate spreads and account-related fees.
Insurance Products: Revenue from Credit Life and Credit Disability insurance products offered to members.

Pricing tiers

Model	Billing	Price
Other	Monthly	New Auto Loans as low as 6.00% APR
Other	Monthly	Agricultural Loans at 6.49%
Other	Monthly	Unsecured Loans at 13.00%
Other	Multi-year contract	6-Month Certificate as low as 0.25% APY
Other	Multi-year contract	12-Month Certificate at 1.00% APY
One time/ perpetual license	Pay-as-you-go	Membership fee

Distribution channels3 records

Marketing channels4 records

Subiaco Credit Union product offering

Product offering

Core offering

Subiaco Federal Credit Union is a member-owned, not-for-profit financial cooperative that provides consumer banking products and services to residents and workers of five Arkansas counties. Core offerings include auto loans (as low as 6.00% APR), agricultural loans (6.49% APR), unsecured personal loans (13.00% APR), certificate deposit accounts (0.25%-1.00% APY), IRA retirement accounts, and Credit Life and Credit Disability insurance, complemented by digital banking via Home Banking, E-Statements, account alerts, and iOS/Android mobile apps.

Product overview

Subiaco Federal Credit Union offers a unified suite of financial products and services centered on traditional banking. The core offerings include loan products (auto loans, agricultural loans, unsecured loans), deposit products (certificate accounts, IRA accounts), and digital banking services (Home Banking, E-Statements, Alerts, Mobile Banking). Additional member services round out the portfolio, with products and services interconnected through shared membership and account access.

Differentiator

Problem solved

Functional benefit

Products and services

New Auto Loans Vehicle financing for new automobile purchases with interest rates starting at 6.00% APR, available to credit union members.
Agricultural Loans Financing solutions for agricultural operations and farming equipment at 6.49% APR, available to credit union members.
Unsecured Loans Personal loans without collateral requirements at 13.00% APR, available to credit union members.
Certificate Accounts Term deposit accounts including 6-month certificates (0.25% APY) and 12-month certificates (1.00% APY) for member savings.
IRA Accounts Individual Retirement Accounts for retirement savings with 1.00% APY, available to credit union members.
Home Banking Online banking platform providing account access, loan applications, bill payment, and transaction management for members.
Mobile Banking App Free mobile applications for iOS and Android devices enabling account access and transactions on the go.
E-Statements Electronic delivery of account statements providing secure, paperless record keeping for members.
Account Alerts Account notification service for transaction updates and balance alerts to keep members informed.
Credit Life and Credit Disability Insurance Optional insurance coverage that pays off or covers loan payments in the event of death or disability for borrowers.
Skip-a-Pay Loan payment deferment option allowing members to skip one monthly loan payment by contacting their loan officer.
Additional Member Services Ancillary services including Notary Public, Money Orders, Fax and Copy Service, Direct Deposits, and Payroll Deductions for members.

Quantifiable outcome

Interest rates as low as 6.00% on new auto loans, 6.49% on agricultural loans

Companies that use Subiaco Credit Union

Customer profile

Segments2 records

Ideal customer profiles2 records

Subiaco Credit Union technology and API

Technology

Technology focussed No

API detail

Has API: No
API docs
API detail

Core technology

AI maturity

App detail

Feature3 records

Subiaco Credit Union partnerships and signals

Strategic signal

Scale indicators3 records

Recent moves4 records

Expansion highlights4 records

Subiaco Credit Union competitors and assessment

Company assessment

Direct peers

Arkansas Federal Credit Union: Large Arkansas-based community credit union offering consumer loans, mortgages, and deposit products across the state; directly comparable community CU model serving overlapping Arkansas geography and competing for the same rural member base.
Telcoe Federal Credit Union: Arkansas-headquartered community credit union providing auto loans, personal loans, and savings products to a defined membership in central Arkansas; comparable community CU lending and deposit product set to Subiaco FCU.
River Valley Credit Union: Arkansas River Valley-based community credit union with branch network across nearby counties (Logan, Franklin, Johnson) that directly overlaps Subiaco FCU's service area; similar community CU product mix and member-owned structure.
Consumers Cooperative Credit Union: Mid-size Arkansas credit union offering consumer loans, mortgages, and deposit accounts to a defined Arkansas membership; comparable operating model as a member-owned cooperative serving Arkansas residents.

Broad incumbents

Alliant Credit Union: Large US-based digital and branch credit union offering nationwide membership, consumer loans, and competitive deposit yields; represents a digitally-aggressive incumbent that competes for relationship intensity with community CUs like Subiaco.
Arvest Bank: Major Arkansas commercial bank with deep retail branch presence across the same western Arkansas counties; overlapping consumer deposit and loan products, representing the dominant incumbent competitor for Subiaco's membership base.
Simmons Bank: Arkansas-headquartered commercial bank with broad retail deposit and consumer lending products across the same five-county Arkansas geography as Subiaco FCU; broader incumbent offering similar core checking, savings, and loan products at retail scale.

Regional players

Woodforest National Bank: National community-focused bank branch network operating in Walmart locations across multiple states, including Arkansas; comparable retail-banking footprint aimed at everyday consumer financial services in smaller markets.
First National Bank of Paris (AR): Small community bank headquartered in Paris, Arkansas—one of Subiaco FCU's two branch cities—offering traditional community banking products; tight geographic overlap in Logan County with directly competing deposit and consumer loan products.

Emerging players

Chime: Digital-first neobank offering no-fee checking, high-yield savings, and consumer credit products to a national US base; represents the emerging digital channel that competes for Subiaco FCU's younger members regardless of geography.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks5 records

Key highlights6 records

Customer concentration

Subiaco Credit Union compliance and trust

Trust signal

Compliance4 records

Subiaco Credit Union financial estimates

Financial estimate

Revenue estimate

Valuation estimate

Subiaco Credit Union leadership team

Management profile

Number of profiles

Profiles1 record

Subiaco Credit Union funding detail

Funding detail

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

Subiaco Credit Union M&A and investment

M&A and investment

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Subiaco Credit Union

What does Subiaco Credit Union do?

Is Subiaco Credit Union a public or private company?

Subiaco Credit Union is a private company. It is classified as nonprofit foundation owned and is currently operating.

When was Subiaco Credit Union founded?

Subiaco Credit Union was founded in 1948. It employs 11 to 50 people.

Where is Subiaco Credit Union based?

Subiaco Credit Union is headquartered in Subiaco, United States, in the North America region.

How does Subiaco Credit Union make money?

Three revenue lines are on record. Loan Interest Income is the primary driver. The others are deposit Account Fees and Interest and insurance Products.

Who are Subiaco Credit Union's main competitors?

Direct peers on record are Arkansas Federal Credit Union, Telcoe Federal Credit Union, River Valley Credit Union and Consumers Cooperative Credit Union. Broad incumbents are Alliant Credit Union, Arvest Bank and Simmons Bank. Regional players are Woodforest National Bank and First National Bank of Paris (AR). Chime is listed as an emerging player.

Does Subiaco Credit Union have an API?

No public API is recorded for Subiaco Credit Union.

What industry is Subiaco Credit Union in?

Subiaco Credit Union's product category is Retail Banking. Its primary akta.pro industry code is FSABAEAA, Community Credit Unions (Retail/Consumer Focus), with a secondary code of FSABAEAG, Agricultural & Rural Cooperatives (Farm Credit/Co-op Banks). Its NAICS code is 522130 and its SIC code is 6141.