Aomori Prefecture Credit Union
Aomori Prefecture Credit Union is the only credit cooperative headquartered in Aomori City, Aomori Prefecture, serving local individuals and small businesses under the mutual-aid philosophy of shinkumi.
Last updated September 26, 2026
AI crawler reads
No AI crawler has read this profile since Oct 28, 2026.
Overview
Aomori Prefecture Credit Union (青森県信用組合, commonly abbreviated as "Kenshin'yo") is a credit cooperative (shinyo kumiai) headquartered in Aomori City, Aomori Prefecture, Japan. It was established in July 1971 through the merger of six credit unions within the prefecture — Sannohe, Misawa, Shichinohe, Tōsei, Chūkō, and Seikō — and is, as of 2019, the only credit cooperative with its head office in Aomori Prefecture. Its business area covers the entire prefecture, and it operates 18 branches. The union is a cooperative financial institution whose members are local individuals and businesses. As of the fiscal year ended March 31, 2026 (Reiwa 8), it reported deposits of 162.1 billion yen, capital contributions of 8.1 billion yen, 108,312 members, 18 branches, and 174 full-time officers and employees. Its chairman is Motohiro Horiuchi, who assumed the post in June 2018. The union positions itself as a "Kenshin'yo that is indispensable to the community," emphasizing its unchanging philosophy of mutual aid (相互扶助) and its role in providing stable financial services to small and medium-sized businesses and individuals in Aomori. Its service lineup includes internet banking (Kenshin'yo EB Service for individuals and Business Banking for corporations), savings and loan products for both individuals and corporations, debit cards, and various ATM partnerships. It participates in the "Shinkumi Otokunetto" ATM alliance among credit unions, and has ATM tie-ups with Seven Bank (since June 2008) and AEON Bank (since September 2008), as well as with Aomori Michinoku Bank. It also offers the "Shinkumi Peter Pan Card," a donation-linked card that contributes 0.3% of card spending to organizations supporting children with disabilities or intractable diseases in the prefecture and 0.2% to the Great Ormond Street Hospital Children's Charity in London. Beyond banking, the union is active in community contribution: it runs the "Kenshin'yo Habataki Scholarship," a non-repayable grant for new high school students; conducts annual blood donation drives during "Shinkumi no Hi" week (September 1–7); collects unused stamps and postcards for donation to the Aomori Prefectural Council of Social Welfare; organizes cleanup activities in four areas of the prefecture; and has held the "Kenshin'yo Eco Painting Contest" for children since fiscal 2010. In February 2020, the Financial Services Agency announced a public funds injection of 7.2 billion yen to strengthen the union's capital base.
History
Aomori Prefecture Credit Union was established in July 1971 through the merger of six credit unions within Aomori Prefecture: Sannohe, Misawa, Shichinohe, Tōsei, Chūkō, and Seikō. This consolidation created a cooperative financial institution with a presence across much of the prefecture. In October 1982, the union began operating its deposit online system, followed by an exchange online system in August 1984 (joining the Zengin domestic exchange system) and a loan online system in August 1987. In April 1988, it started handling over-the-counter sales of Japanese government bonds. In June and August 1989, the union reached 100 billion yen in deposits and began CD mutual usage with other credit unions nationwide (SANCS). In July 1990, it started CD mutual usage with city banks and regional banks (MICS). In October 1991, it merged with Mutsu Credit Union. In May and October 1994, it launched the pension members' association "Shara" and joined the SKC (Shinkumi National Joint Center). In May 1999, it opened its website on the internet. In March and April 2000, it began debit card services, added theft insurance to cash cards, and launched the pension reservation members' association "Fukuju." In June 2001, it started mobile banking and internet banking. In April 2004, it built a members' network. In January 2005, it began handling settlement deposits (non-interest-bearing ordinary deposits). In February 2006, it started "ATM mutual deposit services" with credit unions, second-tier regional banks, shinkin banks, and labor banks nationwide. In May 2007, its fifth online system went into operation. In February 2013, the Densai Net service began. In May 2015, its sixth online system went into operation. In June 2018, Motohiro Horiuchi became chairman. In July 2021, the union celebrated its 50th anniversary. In February 2020, the Financial Services Agency announced a public funds injection of 7.2 billion yen to strengthen the union's capital base. As of 2019, it was the only credit cooperative headquartered in Aomori Prefecture. The union continues to operate as a community-based financial institution, emphasizing its mutual-aid philosophy and local contribution activities.
- 2015
Sixth online system began operation.
- 2013
Densai Net service began operation.
- 2008
Began ATM deposit/withdrawal partnership with Seven Bank.
- 2008
Joined AEON Bank ATM mutual withdrawal partnership.
- 2007
Fifth online system began operation.
- 2006
Started ATM mutual deposit services with credit unions, second-tier regional banks, shinkin banks, and labor banks nationwide.
- 2005
Began handling settlement deposits (non-interest-bearing ordinary deposits).
- 2004
Built members' network.
- 2002
Started "Shinkumi Otokunetto" ATM alliance.
- 2001
Began mobile banking and internet banking.
Products and positioning
A community-based credit cooperative rooted in Aomori Prefecture, operating under the mutual-aid philosophy to serve local individuals and small businesses.
Kenshin'yo EB Service
Internet banking service for individuals.
Business Banking
Internet banking service for corporations.
Shinkumi Peter Pan Card
Donation-linked card contributing 0.3% of spending to local children's support groups and 0.2% to Great Ormond Street Hospital Children's Charity.
Kenshin'yo Habataki Scholarship
Non-repayable grant-type scholarship for new high school students.
Sources6 sources
Cite this profile: Cite the canonical profile. /brand-wiki/青森縣信用組合 · Editorial policy · How profiles are compiled