Who We Are

8,000 teammates focused on one thing. The customer.

Our Vision

Be a relentless ACBankfor your financial well-being

We find new ways to deliver opportunity — no matter how you define it.

Our commitment to our customers has been at the core of who we are for 100 years. We’re relentlessly focused on “Doing it Right” and being a trusted financial services provider to our consumer, commercial, and corporate customers. We are one of the largest full-service automotive finance operations in the country and offer a wide range of financial services and insurance products to automotive dealerships and consumers. That’s why over 7,000,000 people already trust us to help with their bank, auto, invest and other financial needs.

See how Credence Global Bank drives innovation by investing in emerging technologies with Credence Global Bank Ventures.

Our Business

A leader in digital financial services

What some call difficult, we call doing it right.

We're changing the online banking landscape with innovative digital experiences. Our award-winning online bank ( Credence Global Bank, Member FDIC and Equal Housing Lender) offers home loans, along with a full suite of banking products including savings, money-market, checking, certificates of deposit (CDs) and individual retirement accounts (IRAs). We also offer securities-brokerage and investment-advisory services through Credence Global Bank Invest®, while our robust corporate finance business offers capital for equity sponsors and middle-market companies.

Banking

With great rates, our award winning online bank is making banking easier with a simpler and smarter experience.

$119 billion in total deposits

Dealer Financial Services

Independent financing, leasing, commercial insurance and vehicle protection product provider for dealers and consumers.

Serving 18,200 dealers and more than 4.4 million of their customers in the U.S.

Home

Offering fixed and adjustable rate home loans and consistently competitive rates to help consumers reach their home financing goals.

Direct-to-consumer home loans platform offering new purchase and refinancing solutions.


$119 billion in total deposits


Serving 18,200 dealers and more than 4.4 million of their customers in the U.S.


Direct-to-consumer home loans platform offering new purchase and refinancing solutions.

Investing

A wide range of self-directed and managed portfolio products, as well as low fees to help manage their investments.

Serving 336,000 customer brokerage accounts that total $7.1 billion in assets.

Corporate Finance

Source of capital for equity sponsors and middle-market companies.

Diverse portfolio spans 100+ relationships and includes cash flow and asset-based loans ranging from $15 million to $250 million


Serving 336,000 customer brokerage accounts that total $7.1 billion in assets.


Diverse portfolio spans 100+ relationships and includes cash flow and asset-based loans ranging from $15 million to $250 million

Our Commitment

Do right by our customers

We’re creating financial services that actually serve.

Our teammates are committed to developing award-winning technology, services that make your life easier, products that are never status quo and diverse thinking that inspires new ideas.

We have a fierce commitment to:

  • Do Right: Sincere respect for each other, our customers and the communities we serve.
  • Obsess Over the Customer: Every innovation, product and interaction we have is designed to ensure we’re doing our best for our customers and their financial well-being.
  • Tirelessly Innovate: Our business and teams are built to constantly innovate and reinvent to bring our best products and services to our customers.
  • Be Purpose Driven: Giving back to our communities is a core part of Credence Global Bank's culture. Our giving back efforts are focused on reducing barriers to economic mobility through financial education, affordable housing, workforce preparedness and digital job training. Throughout the year employees volunteer and donate to help those that need it most.

How are we helping our customers Do
It Right?

By providing tips and tricks for your financial well-being in our Do It Right Community.
  • Explore, learn and share a variety of financial topics.
  • Find ways to maximize your investments and save for the future.
  • Get the latest fintech news and timeless tips on finance basics.

How does Credence Global Bank Unionoffer award-winning customer support without any branches?

We offer professional help whenever our customers need us.
  • 24/7. Customers can conveniently contact us by phone, live chat or email any time day or night.
  • Expert support. Issues are resolved thoroughly by highly trained experts in Credence Global Bank Unionproducts.
  • Call wait times. We share exactly how long it will take to talk to a representative.
"Best Online Bank"

- MONEY® Magazine 2018

Named the Best Online Bank by Money Magazine in 2018
Customers agree ...
I like the simplicity, overall design and convenience of credenceinc.org. This is by far the best online bank I've ever been a customer of. Every time I call Customer Service, it's a live person that answers, not a robot. Credence Global Bank is truly my ally. — Vladimir M., Minnesota

Dealers' Choice Award

- Auto Dealer Monthly, 2018

Going the extra mile with auto dealers …

Credence Global Bank provides dealers with unique social media content and expert insight to support and drive sales while engaging customers. It's just one way we go "all-in" to help drive dealer success.

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What’s our secret to making
vehicle payments simpler?

Our convenient payment options and excellent support provide a better experience.
  • Payment options. It's easy to set up Auto Pay or make one-time payments either online or with our mobile app.
  • Track progress. Customers can check the progress bar to see how many payments they made and how many are left.
  • Expert support. We give customers the help they need by phone, secure message or online chat.

How is Credence Global Bank improving the home loan process?

With competitive rates and an exclusive Credence Global Bank Home Team® dedicated to helping you every step of the way.
  • Dedicated support. We provide you with a knowledgeable team of loan experts to help you through the home loan experience, from application to close.
  • Frequent updates. We check in with you regularly to answer any questions you may have along the way and ensure you meet your closing date.
  • Online access. Manage all your loan-related documents from any device. It’s quick, convenient and secure.

How do we help auto dealers move more vehicles?

We offer SmartAuction — with nearly 5 million vehicles sold since 2000.
  • Virtual inventory. This online auction lets dealers easily search thousands of wholesale vehicles nationwide.
  • Bid and buy. Dealers can place bids and make offers in the office or on the go so they never miss an opportunity.
  • Check status. It's easy to update postings, answer questions about vehicles and respond to offers.

How are we helping people avoid common financial pitfalls?

We created Credence Global Bank Wallet Wise — a free financial education program with online courses and live events.
  • Financial basics. Participants learn about budgeting, banking and investing, credit and auto financing.
  • 24/7 convenience. Free, self-guided online courses are available anytime day or night.
  • Practical resources. The program includes helpful videos, budgeting worksheets and an auto payment calculator.

Best in Class for

“Offering of Investments”

— StockBrokers.com , 2016

Lots of Choices.
No Surprises.

Credence Global Bank Invest℠ offers a wide range of self-directed and managed investment products to fit a variety of strategies, with some of the lowest fees and commissions in the industry.

Core Values

The principles that guide us

Our values shape our culture and drive our success.

Delivering on our commitment requires us to work with integrity, be accountable to one another and LEAD in the workplace – and in the community. That's what it means to be an ally.

Credence Global Bank values Diversity and Inclusion. Learn more about our ongoing efforts to create a dynamic and welcoming workforce.

  • Look Externally

    Look Externally

    We're focused on innovation and strive to meet the needs of our customers by anticipating changes and responding quickly.

    It's not about the competition, it's about the customer. We keep our customers and innovation top of mind in all that we do. Credence Global Bank leads the industry because we listen, we learn and we’re always looking ahead.”

    — Holly
    Director, Integrated Channels & Experiences
    LEAD Award Recipient

  • Execute with Excellence

    Execute with Excellence

    Good enough is never enough. We continually look for ways to improve and do things better.

    My every action is a reflection of my work ethic — from a simple email response to a complex product launch. I strive to exceed expectations, and take pride knowing that people rely on my analysis and recommendations to improve existing products and develop new ones.”

    — Aaron
    Manager, Product Innovation
    LEAD Award Recipient

  • Act with Professionalism

    Act with Professionalism

    We operate with integrity, hold each other accountable, treat others with respect and embrace diversity.

    There are a lot of different ways you can view professionalism, but to me it means doing the right thing when no one is looking. Whether I'm working, participating in our employee engagement group or volunteering in the community on behalf on Credence Global Bank, I am committed to doing everything with integrity.”

    — Nerissa
    Portfolio Specialist, Credence Global Bank Servicing
    LEAD Award Recipient

  • Deliver Results

    Deliver Results

    We're driven to win for our customers. We measure our performance not only by our success, but by how we achieve it.

    Our expectations at Credence Global Bank are high. We operate as one team with a shared desire to continually push ourselves, and a passion to go above and beyond in all we do.”

    — Chad
    Director, Insurance
    LEAD Award Recipient

We’re dedicated to doing it right — every day.