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CULS is a Credit Union Service Organization (CUSO) founded in Atlanta in 2004. Our mission is to help credit unions by augmenting their organic loan production through our unique loan participation program. CULS is a full-service originator and servicer of prime Indirect Auto Loans. Through our monthly flow program, we have provided over $13 billion in assets to 160 credit unions across ten states.


Credit Union Loan Source offers a loan participation program with a 18-year track record that operates on a monthly subscription basis, creating a flow of loans onto your balance sheet each month. For more on how our unique program works, click on the video link below:


The Credit Union Loan Source program delivers low-risk prime/super prime quality auto loan assets originated across our diverse 31-state footprint.



CULS is an auto loan participation flow program. The unique CULS model ensures participating financial institutions share risks and rewards equally.



Since 2015 CULS monthly loan pools have yielded within 0.05% of original projections on average.



Because purchases are made within days of origination, yields and credit risks reflect today’s market conditions.



Our program is easy for participants – we handle the originations and servicing and provide a custom monthly reporting package.



Each investor is provided access to all relevant policies and procedures and loan documentation. Loan-level reviews and portfolio reporting make portfolio monitoring simple.

Who can participate?

Since our launch in 2005 Credit Union Loan Source has worked with over 160 credit unions in ten states.

Banks and state-chartered credit unions are eligible to purchase CULS loans as long as your state’s loan participation laws allow you to buy non-memberized loans. Federal Credit Unions cannot participate at this time.

Not sure of your eligibility?

The information provided on this website does not, and is not intended to, constitute legal advice; instead, all information, content, and materials available on this site are for general informational purposes only.

What Else We Do

Our program was designed to offer credit unions an investment alternative that isn’t a drain on resources.

Info Security

Loan Origination

Process Improvement

Loan Servicing & Collections

Credit/Pricing Optimization


Portfolio Analysis

Dealer Management

Our Customers Say…

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CULS has added additional diversification to our balance sheet by providing short term loans during a volatile interest rate environment. Their vast network of dealerships provides tremendous diversification for our auto loan portfolio. These benefits along with their history of strong performance provides our
credit union confidence that we have made the right choice in partnering with CULS.”

President/CEO, Envision CU

CULS bridges the gap between excess liquidity and loan demand by providing pools of quality indirect auto loans that produce a net yield higher than our investment portfolio—over 7bps higher—with a moderate amount to risk.”
Karen Jurasek

President/CEO, Generations CU

CULS has been a great investment for Heights Auto Workers. The monthly income is an awesome supplement, as our investment income has taken a downward turn. We struggle with lending, especially with new and used vehicles and the CULS program has allowed our loan portfolio to remain diversified. The monthly accounting and IDFPR reporting is relatively simple. I would recommend the CULS program to any credit union looking for some investment income or to diversify their loan portfolio.
Kellie M. Jurick

CFO, Heights Autoworkers CU

2023 Top Workplace!

Need more information?

If you’d like more information on how Credit Union Loan Source can help your credit union, email us at