Credit union · NCUA insured
Co-op Credit Union
Top CarrotA $615M credit union headquartered in Black River Falls, WI, with 23,640 members and 8 branches in Wisconsin. Best rates: CDs 4.70% and savings 1.40% APY.
Co-op Credit Union Carrot Score
Carrot ScoreTop Carrot
Higher than 91% of U.S. banks and credit unions
#6 of 23 in La Crosse, WI-MN metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Co-op Credit Union
Formed in 1938 by Federation Cooperative members in Black River Falls, Co-op Credit Union was chartered by the Wisconsin Banking Commission to provide credit for electric appliances.
Headquartered in Black River Falls, Wisconsin, the credit union expanded through mergers with Melrose, Galesville Co-op, Blair, Partners, La Crosse Area Postal, and La Crosse Burlington credit unions.
Co-op Credit Union focuses on agricultural lending with more than 80 years of experience.
- Headquarters
- 100 E Main St, Black River Falls, WI 54615
- NCUA charter
- 66983
Membership
Who can join
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Membership is open to persons residing, employed, or owning property in Buffalo, Chippewa, Clark, Dunn, Eau Claire, Jackson, La Crosse, Monroe, Pepin, or Trempealeau counties in Wisconsin.
Employers and groups
- Membership is open to employees and retirees of the Burlington Northern Santa Fe Railroad, Chicago and Twin Cities Divisions, that work into or out of La Crosse, WI.
- Membership is open to any member of any cooperatives organized or existing in Jackson County, Wisconsin, including Allied Co-operative, AMPI Co-op, Clark Electric Co-op, Eau Claire Electric Co-op, ProVision Partners (formerly Federation Co-op), Jackson Electric Co-op, Land O Lakes Co-op, Oakdale Electric Co-op, Riverland Electric Co-op, Tri-County Telephone Co-op, or Tri-County Communications Co-op.
- Membership is open to any stockholder of the Fall Creek Supply Co-op or Augusta Farmers Union Co-op.
Military, government and schools
- Membership is open to any federal employee or postal employee within a 75-mile radius of La Crosse, Wisconsin.
Family and household
- Membership is open to any persons of the immediate family of a current CCU member.
Cost to join
- Opening and maintaining membership requires $5 in a membership share savings account.
Branches
8 branches in Wisconsin
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Wisconsin
8 branches
Black River Falls area · 2
- Main OfficeMain office100 E Main St, Black River Falls, WI 54615Directions
- Tiger Credit Union - In-school branch1200 Pierce St, Black River Falls, WI 54615Directions
La Crosse area · 2
- La Crosse1735 Credit Union Ct, La Crosse, WI 54603Directions
- Onalaska100 French Rd, Onalaska, WI 54650Directions
Eau Claire area · 1
- Fall Creek326 E Lincoln Ave, Fall Creek, WI 54742Directions
Galesville area · 1
- Galesville17578 N Main St, Galesville, WI 54630Directions
Melrose area · 1
- Melrose409 N Washington St, Melrose, WI 54642Directions
Strum area · 1
- Strum134 5th Ave N, Strum, WI 54770Directions
Walk-in offices from the NCUA directory as of March 31, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
| Measure | This credit union | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalNet worth ratio | 11.55% | 11.43% | 13.58% or more |
| Troubled loans60+ days late | 0.80% | 0.68% | 0.39% or less |
| ProfitabilityReturn on assets | 1.14% | 0.75% | 1.18% or more |
| LendingLoans per $100 deposited | $95 | $76 | — |
- CapitalNet worth ratio11.55%Peers’ middle 11.43% · Top 25% 13.58%+
- Troubled loans60+ days late0.80%Peers’ middle 0.68% · Top 25% ≤0.39%
- ProfitabilityReturn on assets1.14%Peers’ middle 0.75% · Top 25% 1.18%+
- LendingLoans per $100 deposited$95Peers’ middle $76
Compared with the 1,338 credit unions with $100 million to $1 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are loans 60 or more days late.
Regulators’ own ratings of Co-op Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.