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Discover Alloya

We know credit unions inside and out because we are a credit union, too. Let us help you simplify so you can focus on your members.

What We Do

Payment solutions? You bet, from the classics to the cutting-edge. Liquidity options? That’s our founding purpose. Investment opportunities? Tailor-made for credit unions. Member Solutions? Only the best! Everything you need to run your credit union is all in one place at Alloya. No need to manage dozens of vendors when you can instead depend on one partner for it all.

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How We Do It

We say it often but it’s worth repeating: it’s not just what we do, it’s how we do it. Service is Alloya’s real point of differentiation. Going above and beyond is our standard. Paired with our innovative technology, cooperative strength and strategic partnerships, we’re always advancing to make your life easier.

Explore Alloya History

Products and Services

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Payments

Supporting payments of yesterday, today and tomorrow

  • ACH Receipt & Origination
  • Check Deposits
  • Check Clearing
  • Coin & Currency
  • Foreign Currency
  • Real-Time Payments
  • Wires
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Liquidity

A steadfast source for the liquidity needs of every credit union

  • Advised and Supplemental Line of Credit
  • Loans
  • Loan Participations (Sell)
  • Sale-Leaseback
  • SimpliCD Issuance*
  • Subordinated Debt
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Investments

Maximizing yields while minimizing risks on your balance sheet

  • Alloya Corporate Certificates
  • Loan Participations (Buy)
  • Marketable Securities*
  • Safekeeping
  • SimpliCD Purchase*
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Member Solutions

Simplifying your members' lives in addition to your back office

  • Small-Dollar Loans
  • P2P Payments
  • Cashback Rewards Program
  • Student Loans
  • Member Business Services

Alloya by the Numbers

Secure and Stable

2023 Total Capital

$M

2023 Retained Earnings & Other Equity

$M

Primary Source of Operational Liquidity for Members

2024

$0B

Dollar Amount in LOCs

0%

of Members Using LOC
2024

$0B

Dollar Amount Raised via CD Issuance
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