Industries / Credit Unions
ADA Website Compliance for Credit Unions
Credit unions occupy a uniquely exposed position on web accessibility. As member-owned financial institutions, you serve a community that includes members with disabilities — and your website is now the primary branch. Online banking, loan applications, rate sheets, and account opening all have to work for members using screen readers, keyboard navigation, and other assistive technology.
Credit unions were among the first wave of ADA website demand-letter campaigns, and financial services remains one of the most-sued sectors for digital accessibility. Regulators and examiners increasingly expect documented accessibility programs, and boards increasingly ask for evidence. A quarterly scan cadence with written reports is becoming standard practice — the same way credit unions already handle other compliance domains.
ADA Scanner gives credit unions exactly that: automated WCAG 2.1 AA audits of every page on your site, a single site-wide compliance score your board can track quarter over quarter, prioritized fixes with corrected code, and unlimited re-scans to verify remediation.
Top 3
Financial services ranks among the most-sued sectors for web accessibility
$25K+
Typical range of ADA website settlement and remediation costs
Quarterly
The scan cadence examiners and boards increasingly expect
Where does your website stand right now?
Run a free WCAG 2.1 AA scan — results in about 30 seconds, no signup required.
Scan Your Website FreeWhy credit unions are frequent targets
- Plaintiff firms ran coordinated demand-letter campaigns against hundreds of credit unions — small institutions are seen as likely to settle quickly.
- Online and mobile banking are 'places of public accommodation' in the eyes of many courts, and financial harm arguments are easy to make when a member can't access their own accounts.
- Third-party vendor pages (online banking, loan applications, rates widgets) often introduce violations the credit union never sees — but is still responsible for.
- PDFs — rate sheets, disclosures, annual reports — are a common and frequently overlooked source of accessibility failures.
What compliance looks like for a credit union website
- WCAG 2.1 Level AA conformance across the public site — the standard referenced by the DOJ and virtually every settlement agreement.
- Accessible member journeys end to end: account opening, loan applications, online banking login, branch/ATM locators, and contact forms.
- Documented, recurring auditing — a one-time fix decays as content changes; regulators and plaintiff firms both look for ongoing programs.
- An accessibility statement with a working feedback channel for members who encounter barriers.
How ADA Scanner helps
- Full-site crawls of every page with one aggregated site score and grade — the board-level number, tracked quarter over quarter.
- Issues ranked by severity so your team (or web vendor) fixes what moves the score first, each with AI-generated corrected code.
- PDF reports formatted for board packets and examiner requests.
- Unlimited verification re-scans after fixes — built for a quarterly compliance cadence.
- Optional managed service: we run the quarterly scan, deliver the executive summary, and verify remediation for you.
Frequently asked questions
Are credit unions actually covered by the ADA online?
Courts have repeatedly allowed ADA claims against credit unions and banks over website accessibility, and hundreds of credit unions have received demand letters. Regardless of circuit-level nuances, the practical risk — settlements, legal fees, remediation under deadline — is well documented, and NCUA-supervised institutions are expected to serve all members.
Our online banking is a third-party platform. Are we still responsible?
Generally yes — members experience it as your website, and demand letters name the credit union, not the vendor. You should scan vendor-hosted pages, include accessibility requirements in vendor contracts, and keep evidence that you monitor the full member journey.
How often should a credit union scan its website?
Quarterly is the cadence most compliance programs adopt: frequent enough to catch issues introduced by content updates and vendor changes, and it produces a natural quarter-over-quarter score trend for board reporting. ADA Scanner's plans include unlimited scans, so cadence never affects cost.
What does it cost for a credit union website with 100+ pages?
The Business plan covers unlimited pages and unlimited scans at $79/month ($70/month billed quarterly, $66/month billed annually) — including full-site scans, PDF reports, AI fix suggestions, and monitoring. A done-for-you managed option is available if you'd rather receive finished reports each quarter.
Related reading
Get compliant before it becomes urgent
Start with a free scan, or talk to us about full-site audits and quarterly monitoring for credit unions — including a done-for-you managed option.