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  • 1st Class Express Credit Union Membership

    • 1st Class Express Credit Union headquarters is in Waukesha, Wisconsin and has served members since 1932.
    • Manages $2,429,027 in assets and serves 648 members.

    Membership: Open to serving residents within its charter in Wisconsin.

  • Stoppenbach Credit Union Membership

    • Stoppenbach Credit Union headquarters is in Jefferson, Wisconsin and has served members since 1937.
    • Manages $2,068,403 in assets and serves 526 members.

    Membership: Stoppenbach operates under a state charter in Wisconsin, offering financial products and services tailored to the unique needs of residents within Wisconsin.

  • Wood County Employees Credit Union Membership

    • Wood County Employees Credit Union headquarters is in Wisconsin Rapids, Wisconsin and has been serving members since 1955.
    • Manages $1,070,328 in assets and serves 217 members.

    Membership: Wood County operates under a state charter in Wisconsin, offering financial products and services tailored to the unique needs of Wisconsin residents.

  • Police Credit Union Wisconsin Membership

    • Police Credit Union headquarters is in Sheboygan, Wisconsin and has been serving members since 1934.
    • Manages $979,770 in assets and serves 136 members.

    Membership: Police operate under a state charter in Wisconsin, offering financial products and services tailored to the unique needs of Wisconsin residents.

     

  • Holy Redeemer Community Credit Union Membership

    • Holy Redeemer Community of SE Wisconsin Credit Union headquarters is in Milwaukee, Wisconsin and has served members since 1993.
    • Manages $680,664 in assets and serves 271 members.

    Membership: Belong to any Churches Of God In Christ located within the Wisconsin counties of Jefferson, Kenosha, Milwaukee, Ozaukee, Racine, Rock, Walworth, Washington, and Waukesha.

  • Stoughton U.S. Rubber Employees Credit Union Membership

    • Stoughton U.S. Rubber Employees Credit Union headquarters is in Stoughton, Wisconsin has been serving members since 1951.
    • Manages $674,016 in assets and serves 272 members.

    Membership: Stoughton U.S. Rubber operates under a state charter in Wisconsin, offering financial products and services tailored to the unique needs of residents within Wisconsin.

  • Alloy Employees Credit Union Membership

    • Alloy Employees Credit Union headquarters is in Waukesha, Wisconsin, and has served members since 1961.
    • Manages $370,586 in assets and serves 155 members.

    Membership: Alloy operates under a state charter in Wisconsin, offering financial products and services tailored to the unique needs of Wisconsin residents.

  • School Employees Credit Union Membership (Wisconsin)

    • School Employees Credit Union headquarters is in Superior, Wisconsin has been serving members since 1936.
    • Manages $2,545,573 in assets and serves 550 members.

    Membership: All employees of the School District of Superior, Wisconsin.

  • Lac Courte Oreilles Federal Credit Union Membership

    • Lac Courte Oreilles (LCO) Federal Credit Union headquarters is in Hayward, Wisconsin and has been serving members since 2001.
    • Manages $2,573,316 in assets and serves 1,269 members.

    Membership: Open to those who live and work within the community.

  • Superior Municipal Employees Credit Union Membership

    • Superior Municipal Employees Credit Union headquarters is in Superior, Wisconsin and has served members since 1988.
    • Manages $2,953,334 in assets and serves 542 members.

    Membership: Open to those who meet the eligibility requirements.

  • Madison Fire Dept Credit Union Membership

    • Madison Fire Department Credit Union headquarters is in Madison, Wisconsin and has been serving members since 1931.
    • Manages $5,058,478 in assets and serves 848 members.

    Membership: Open to those in the Madison Fire Dept in Wisconsin.

  • Air Tech Credit Union Membership

    • Air Tech Credit Union headquarters is in Milwaukee, Wisconsin has been serving members since 1956.
    • Manages $3,107,325 in assets and serves 733 members.

    Membership: Open to Wisconsin residents who meet eligibility criteria.

  • Wisconsin Latvian Credit Union Membership

    • Wisconsin Latvian Credit Union headquarters is in Milwaukee, Wisconsin and has been serving members since 1961.
    • Manages $2,972,271 in assets and serves 376 members.

    Membership: Serving the Wisconsin Latvian community.

  • Kenosha Police and Firemen’s Credit Union Membership

    • Kenosha Police and Firemen’s Credit Union is headquartered in Kenosha, Wisconsin and has been serving members since 1928.
    • Manages $9,265,989 in assets and serves 1,110 members.

    Membership: Open to eligible members served by the credit union.

  • Holy Family Memorial Credit Union Membership

    • Holy Family Memorial Credit Union is headquartered in Manitowoc, Wisconsin and has served members since 1961.
    • Manages $17,505,268 in assets and serves 1,504 members.

    Membership: Holy Family Memorial (HFM) employees, volunteers, retirees

  • Wisconsin Medical Credit Union Membership

    • Wisconsin Medical Credit Union is headquartered in Green Bay, Wisconsin and has been serving members since 1965.
    • Manages $15,220,296 in assets and serves 1,314 members.

    Membership: Any individual living or working in Brown County

What is a Credit Union?

Credit unions are not-for-profit financial cooperatives offering many banking products and services. These include:

  • Checking
  • Savings
  • Money Market
  • Certificates
  • Car Loans
  • Personal Loans
  • Credit Cards
  • Mortgages
  • Debit cards
  • Direct deposit and other electronic transfers
  • Online banking and bill pay
  • Mobile banking and deposit via an app
  • Investment services, insurance, and more.

As financial cooperatives, credit unions exist for the mutual benefit of their members. In fact, you’re a member, not a customer, when you bank with a credit union.

Read more: Learn All About Credit Unions

Why Join a Credit Union

Credit unions offer competitive interest rates.

Credit unions are highly competitive when it comes to savings rates and interest rates on loans and credit cards. This is due to the lower cost of operations and the tax exemptions that allow them to invest profits back into the membership.

Credit unions are democratically governed.

This means you get a voice, and elections are based on a one-member, one-vote philosophy. As a credit union member, your participation is vital. Make your voice heard at your credit union by communicating and attending the annual member events.

Credit unions are regulated and insured.

Credit unions are highly regulated financial entities, and federally chartered credit unions are supervised by the National Credit Union Administration (NCUA), an independent federal agency that regulates, charters, and supervises federal credit unions. State-chartered credit unions are regulated by the state for which they operate.

Differences between credit unions and banks

Because of their not-for-profit structure, making profits for shareholders isn’t a goal. Profits are reinvested into the membership to grow financial offerings and support members.

Like other not-for-profit organizations, some credit unions enjoy federal tax exemptions, allowing them to offer better rates on savings accounts, lower rates on loans, and little or no fees. It’s also important to understand that credit unions pay other types of taxes, such as state, sales, and payroll taxes. They contribute taxes back into the community for which they serve.

How to Join a Credit Union

There are thousands of credit unions all across the United States. This means you have plenty of choices.

Each credit union has membership eligibility requirements. You’re eligible to join a credit union because of where you live, work, worship, attend school, or are related to an existing member.

Here are the steps to join a credit union.

Step 1: Find a Credit Union

You can search the marketplace to find a credit union in your state. There is a good chance you’ll meet the eligibility requirements for membership.

Step 2: Verify Your Membership Eligibility

Review the requirements listed in the description of each credit union. You’ll notice they’ll have eligibility listed, such as:

  • having family belonging to a local credit union
  • living in a particular area
  • working for a company
  • belonging to a group
  • a member of a church
  • student or alumni of a school
  • or even by joining an association when you apply

Step 3: Open Your Membership Account

Credit unions allow you to apply for membership online or by visiting the local branch. To verify your identity, bring your valid ID and proof of address.

Most credit unions require a membership share account that establishes your relationship.

You must have this share account to become a “member-owner” of the credit union. Additionally, this share deposit is “locked in” and cannot be used for the entirety of your membership.

Each credit union has a specific membership share deposit requirement. It’s often between $5-$50.

*Note: Once you close your credit union membership, you get back the share deposit.

Step 4: Make Use of Your Credit Union Membership

After becoming a member-owner, you’re eligible to open accounts at the credit union. It’s good to know that credit unions often use different names for the same products you’ll find at banks. For instance, they might refer to checking accounts as “share draft accounts.”

Most importantly, “Once a member, always a member.”

Once you’ve joined a credit union, you’re a member for life. You can keep your credit union even if you move out of your city, leave a job, or change churches or associations.

With convenient online services and mobile apps, it is easy to keep your membership going. And once you’re a member, you can invite your immediate family to join, too.

Remember, you’re a member-owner, so do more with your credit union.

Your participation is vital to the credit union’s success. That means using more of your credit union’s banking services, loans, and other services. The revenues made from these services help the cooperative cover its expenses, grow its offerings, and remain financially stable.

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