Credit union · NCUA insured
Southern Lakes Credit Union
A $113.2M credit union headquartered in Kenosha, WI, with 9,683 members and 3 branches in Wisconsin. Best rates: CDs 3.75% and savings 0.35% APY.
Southern Lakes Credit Union Carrot Score
69
Carrot Score
Higher than 23% of U.S. banks and credit unions
#11 of 15 in Kenosha, WI metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Southern Lakes Credit Union
Southern Lakes Credit Union is a member-owned financial cooperative founded in 1935, headquartered in Kenosha, Wisconsin.
Operating as a community chartered credit union with a low income designation, it serves individuals living or working across six Wisconsin counties and two Illinois counties.
- Headquarters
- 3000 80th St, Kenosha, WI 53142
- NCUA charter
- 66707
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This may be incomplete or out of date, so check with the credit union before you apply.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
- Individuals who live and/or work in Kenosha, Walworth, Milwaukee, Racine, Rock, or Waukesha counties in Wisconsin, or Lake or McHenry counties in Illinois are eligible for membership.
Employers and groups
- Employees of specified businesses and organizations (Kenosha News, United Communications Corporation Kenosha-based, Modine Manufacturing Company, Pioneer Products, Inc., Petersen Machine, US Competition Arms, Inc., Letsch Mfg., Inc., Kolar Arms, Inc., St. Edward's Church in Racine, or St. Lucy's Catholic Church in Racine) are eligible for membership.
Military, government and schools
- Employees of Kenosha Unified School District, Gateway Technical College, or Carthage College's Kenosha Campus are eligible for membership.
Family and household
- Any member of the immediate family of any existing member may become a member of the Credit Union.
Other ways
- Members of specified listed churches in Wisconsin are eligible to join.
- Members of the Harley Owners Group in Wisconsin or Illinois are eligible for membership.
Cost to join
- A $5.00 minimum deposit is required to establish a membership account.
Branches
3 branches in Wisconsin
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Wisconsin
3 branches
Kenosha area · 2
- 80th StreetMain office3000 80th St, Kenosha, WI 53142Directions
- 60th Street5001 60th St, Kenosha, WI 53144Directions
Whitewater area · 1
- Elkhorn17 N Washington St, Elkhorn, WI 53121Directions
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
Well capitalizedas reported to the NCUA
| Measure | This credit union | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalNet worth ratio | 9.73% | 11.43% | 13.58% or more |
| Troubled loans60+ days late | 0.73% | 0.68% | 0.39% or less |
| ProfitabilityReturn on assets | 0.60% | 0.75% | 1.18% or more |
| LendingLoans per $100 deposited | $67 | $76 | — |
- CapitalNet worth ratio9.73%Peers’ middle 11.43% · Top 25% 13.58%+
- Troubled loans60+ days late0.73%Peers’ middle 0.68% · Top 25% ≤0.39%
- ProfitabilityReturn on assets0.60%Peers’ middle 0.75% · Top 25% 1.18%+
- LendingLoans per $100 deposited$67Peers’ 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 Southern Lakes Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.