coorporative extension service fcu

What coorporative extension service fcu does

Founded in 1946 by 11 UADA Cooperative Extension Service employees, Cooperative Extension Service Federal Credit Union is a member-owned, not-for-profit federal credit union that became federally chartered in 1992. Its field of membership is limited to UADA employees and their families, and it serves them from one branch in Little Rock, Arkansas, supplemented by online and mobile banking. The credit union has 2-5 staff members plus volunteer boards and committees; deposits are federally insured through NCUA to at least $250,000.

CESFCU offers regular, special, vacation, and holiday savings accounts, share certificates, and a broad lending set covering vehicles, recreational assets, farm equipment, personal and consolidation needs, credit building, and share-secured borrowing. It also issues Visa cards, provides mortgages through Servion Mortgage, and offers wires, payment skips, GAP and insurance products, and notary services. Its operating stack consists of a core banking system with online and mobile access, bank-to-bank transfers, bill pay, and Visa single sign-on to eZCardinfo.com; the core and digital platforms were upgraded in February 2024, with mobile deposit scheduled for May 1, 2026.

Revenue comes primarily from interest on member loans and investments, transaction and service fees, and income from insurance or protection products. Disclosed 2025 figures were $211,922 of loan interest income, $53,513 of investment income, $42,659 of other operating income, and $21,422 of net income; assets totaled $4,747,012 and loans to members $3.45 million. The go-to-market model is community-led and direct-to-consumer, using the narrow UADA member community, one branch, a website, Facebook, and self-service digital banking.

Name

coorporative extension service fcu

Legal name

Cooperative Extension Service Federal Credit Union

Website

https://cesfcu.org

Company type

Private

Founded year

1946

Operating status

Operating

Short description

Cooperative Extension Service Federal Credit Union is a member-owned federal credit union serving UADA Cooperative Extension Service employees and their families with savings accounts, consumer and asset-backed loans, credit cards, mortgages, and digital banking through one Little Rock branch.

Ownership category

akta.pro rank

Product category

Credit Union / Retail Banking

NAICS

Credit Unions (522130), Credit Unions (52213)

SIC

Savings Institution, Federally Chartered (6035)

akta.pro primary industry

Employer/Occupational Credit Unions (FSABAEAB)

akta.pro secondary industry

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

Keywords

• Credit union services
• Savings accounts
• Consumer lending
• Share certificates
• Auto loans

Headquarters

HQ city

Little Rock

HQ country

United States

HQ region

North America

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: Interest income from member loans including auto loans, unsecured loans, credit cards, mortgage loans, and share secured loans. In 2025, loan interest income was $211,922.
2. Investment Income: Interest income from investments and share certificates. In 2025, investment income was $53,513.
3. Fee Income: Various fees including wire transfer fees ($15 outgoing, $10 incoming), skip a payment fees ($25 per loan per month skipped), application fees ($25 for loans), and inactive account fees ($15 per quarter).
4. Other Operating Income: Income from insurance products (GAP, TruStage insurance), credit insurance, and other services. In 2025, other operating income was $42,659.

Pricing tiers

Go-to-market motion2 records

Distribution channels3 records

Marketing channels4 records

Core offering

Cooperative Extension Service Federal Credit Union is a member-owned, federally chartered credit union that provides savings accounts, share certificates, consumer loans (auto, recreational, farm equipment, personal, vacation, credit builder, share secured), VISA credit cards, and mortgage services to UADA Cooperative Extension Service employees and their families. It operates a single branch in Little Rock, Arkansas, complemented by online and mobile banking channels, and earns primarily through loan interest income, investment income from share certificates, and service fees such as wire transfer and skip-a-payment fees.

Product overview

Cooperative Extension Service Federal Credit Union operates as a member-owned financial cooperative offering a comprehensive suite of banking and lending products. The core offering centers on savings accounts (Regular Share Savings, Special Savings, and Share Certificates) which form the foundation of membership, combined with diverse lending options including auto loans, recreational vehicle loans, personal loans, credit cards, and mortgage products through Servion Mortgage partnership. Additional services include wire transfers, Skip A Payment deferrals, GAP insurance, TruStage insurance products, and notary services. Digital banking capabilities include online/mobile banking with mobile deposit functionality. The credit union's product portfolio is interconnected through shared membership—once members join with a savings account, they gain access to the full range of loan products, credit cards, and services.

Differentiator

Problem solved

Functional benefit

Products and services

• Regular Share Savings Account Primary share savings account required for credit union membership with a $15 minimum initial deposit ($10 membership fee plus $5 par value), offering 0.32% APY with quarterly dividend payouts. Available to UADA Cooperative Extension Service employees and their family members.
• Special Savings and Club Accounts Additional savings accounts including Second Share, Third Share, Vacation, and Holiday Club accounts for goals such as taxes, insurance, or holidays, offering 0.32% APY with quarterly dividends.
• Share Certificates Term savings accounts with a $1,000 minimum balance, available in 6-month (3.00% APY) and 12-month (3.50% APY) terms with fixed dividend rates, rates effective February 11, 2026.
• Auto Loan Vehicle financing for new and used cars and trucks, with rates as low as 4.99% APR for vehicles up to 5 years old and 5.49% APR for 6-10 year old models, including refinancing options. Available to credit union members.
• Recreational Loans (Boat/RV/Motorcycle/ATV/Trailer) Financing for recreational vehicles including boats, RVs, campers, motorcycles, ATVs, UTVs, snowmobiles, and personal watercraft, with rates as low as 6.24% APR for current-to-5-year models and 6.99% APR for 6-10 year models.
• Farm Equipment Loan Collateral-based loans for farm equipment with flexible terms and competitive rates, tailored to the agricultural extension community.
• Unsecured/Personal/Consolidation Loan Personal loans up to $15,000 maximum for debt consolidation, vacations, medical expenses, or unexpected events, with terms from 24-60 months and rates as low as 9.24% APR.
• Vacation/Holiday Loan Short-term personal loans up to $3,000 with terms up to 18 months for vacation or holiday expenses, with rates as low as 8.49% APR.
• Credit Builder Loan Secured loan up to $3,000 with terms up to 24 months designed to help members build or rebuild credit, with rates as low as 9.99% APR.
• Share Secured Loan Loan secured by the member's savings account or share certificate that allows continued dividend earnings on the deposit while borrowing, with terms of 36-120 months and rates as low as 2.25% APR.
• VISA Credit Card Credit card with 6.00%-11.50% APR, no balance transfer fee, same low rate for purchases and cash advances, and a 10-day grace period on payments, with Single Sign-On access to eZCardinfo.com.
• Mortgage Loans Home financing delivered through a partnership with Servion Mortgage, offering Conventional, FHA, VA, USDA, and Jumbo/Non-Conforming loans with fixed-rate and ARM options. Members apply through Servion's platform with CESFCU selected as lender affiliation.
• Wire Transfers Domestic wire transfer services with a $15 fee to send and $10 fee to receive, processed same-day if submitted before the 3:00 PM CST cutoff.
• Skip A Payment Loan payment deferral service allowing qualifying members to skip up to two loan payments per calendar year for a $25 non-refundable processing fee per month skipped.
• GAP Insurance Guaranteed Asset Protection coverage through GAPWise (Wise F.I.) covering the gap between insurance payout and outstanding loan balance in the event a vehicle is totaled or stolen.
• TruStage Insurance Insurance products offered through TruStage partnership including Life, AD&D, Auto, Home, and Cancer/Heart Attack/Stroke coverage, marketed to credit union members at competitive rates.
• Notary Services Free notary public services available Monday through Friday at the Little Rock branch for document signing witnessed by a state-licensed legal witness.
• Online/Mobile Banking Digital banking platform with no monthly service fees providing account access, transfers, bill pay, and mobile deposit capabilities through web and mobile app.

Quantifiable outcome

• 25.19% net worth ratio as of December 2025, demonstrating strong financial stability
• +2 more outcomes

Named customers1 record

Segments1 record

Ideal customer profiles1 record

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration7 records

Feature3 records

Partnerships

Five partnerships are on record, tiered core and minor.

• Servion MortgagecoreStrategic or Co-development PartnerPartnership to provide mortgage lending services to CESFCU members. Servion Mortgage offers conventional loans, FHA loans, VA loans, USDA loans, jumbo/non-conforming loans, and both fixed-rate and ARM options. Members apply through Servion's online platform but select CESFCU as lender affiliation.
• TruStage InsuranceminorGTM or Marketing PartnerTruStage provides insurance products designed for credit union members including life insurance, AD&D, auto insurance, home insurance, and cancer/heart attack/stroke coverage. CESFCU markets these products to members at competitive rates.
• GAPWise (Wise F.I)minorGTM or Marketing PartnerProvides Guaranteed Asset Protection (GAP) coverage for vehicle loans. GAP pays the difference between insurance payout and loan balance if vehicle is totaled or stolen.
• TransUnioncoreTechnology or IntegrationCredit reporting agency providing credit scores and credit reports. Updated credit scoring model from FICO 04 to FICO 09 in 2021 for lending decisions.
• VISAcoreTechnology or IntegrationCredit card network providing CESFCU VISA credit cards. Includes Single Sign On (SSO) integration for members to access eZCardinfo.com for transaction history and statements.

Scale indicators6 records

Recent moves4 records

Expansion highlights4 records

Direct peers

• Arkansas Teachers Federal Credit Union: Federally chartered Arkansas credit union serving employees of the education and public-sector community. Closely comparable employer-group charter, similar Arkansas footprint, and analogous retail deposit/lending product mix.
• Local Government Federal Credit Union (LGFCU): Federally chartered credit union serving employees of local governments and public-sector entities. Highly comparable employer-group charter model, federal regulatory framework, and member-focused cooperative structure.
• First South Financial Credit Union: Mid-sized federal credit union operating in the U.S. South with a community/employer-based charter and full suite of consumer lending and savings products. Comparable in federal charter structure and Southern U.S. footprint.
• Telcoe Federal Credit Union: Arkansas-based federal credit union originally chartered to serve a specific employer group and now operating with a broader community charter. Comparable in size, federal charter status, and Arkansas geographic concentration.

Broad incumbents

• BECU (Boeing Employees Credit Union): Large not-for-profit credit union originally serving a single employer group and now operating with an extended community charter. Represents a scaled-up analog of the employer-based federal credit union model with strong digital capabilities.
• PenFed (Pentagon Federal Credit Union): Large federally chartered credit union originally serving a defined employer group (military) but now operating with a broad field of membership. Represents the scaled-up version of CESFCU's charter model with national digital banking capability.

Regional players

• Arkansas Federal Credit Union (if operating): Community-chartered credit union operating in Arkansas with similar retail banking, consumer loan, and member-service orientation. Comparable in geographic focus and small-institution operating model.
• Arvest Bank (Arkansas regional bank): Large Arkansas-headquartered regional bank competing for the same consumer deposit, auto loan, and mortgage customers as CESFCU. Provides context on the rate/product competition CESFCU faces in its primary market.
• Farmers & Merchants Bank (Arkansas community bank): Small community bank operating in Arkansas with similar asset scale and focus on rural/agricultural lending. Comparable in serving modest-means borrowers with farm equipment and personal loan products, though structured as a bank rather than a credit union.

Others

• Servion Mortgage (partnership comparison): Third-party mortgage partner of CESFCU and other small credit unions. Not a direct competitor but a key ecosystem participant that defines the mortgage product experience CESFCU can offer its members.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat3 records

Key risks6 records

Key highlights7 records

Customer concentration

• Facebookfacebook.com/CESFCU1

Compliance1 record

Revenue estimate

Valuation estimate

Number of profiles

Profiles3 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 coorporative extension service fcu