Credit union · NCUA insured
Valley Communities Credit Union
Top CarrotA $304.6M credit union headquartered in Mosinee, WI, with 15,964 members and 7 branches in Wisconsin. Best rates: CDs 3.04% and savings 1.26% APY.
Valley Communities Credit Union Carrot Score
Carrot ScoreTop Carrot
Higher than 76% of U.S. banks and credit unions
#3 of 23 in Wausau, WI metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Valley Communities Credit Union
Chartered by the State of Wisconsin in 1935 as Mosinee Paper Credit Union, the institution originally served employees of Mosinee Paper Corporation and their families.
Headquartered in Mosinee, Wisconsin, the credit union adopted the name Valley Communities Credit Union in 1998 and operates five locations in central Wisconsin.
The member-owned credit union focuses on serving personal consumer and mortgage loan needs.
- Headquarters
- 888 State Highway 153, Mosinee, WI 54455-9684
- NCUA charter
- 66430
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This may be incomplete or out of date, so check with the credit union before you apply.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 all persons who live, work, or own property in Adams, Clark, Juneau, Lincoln, Marathon, Portage, Shawano, Taylor, Waupaca, Waushara, or Wood counties.
Branches
7 branches in Wisconsin
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Wisconsin
7 branches
Wausau area · 3
- Kronenwetter Office2290 County Road X, Kronenwetter, WI 54455Directions
- Mosinee Middle School700 High St, Mosinee, WI 54455Directions
- Mosinee Office1105 Western Ave, Mosinee, WI 54455Directions
Wisconsin Rapids area · 3
- Marshfield Office2011 S Central Ave, Marshfield, WI 54449Directions
- Nekoosa Branch115 Prospect Ave, Nekoosa, WI 54457Directions
- Wisconsin Rapids440 8th St S, Wisconsin Rapids, WI 54494Directions
Stevens Point area · 1
- Stevens Point Office2940 Church St, Stevens Point, WI 54481Directions
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 | 12.97% | 11.43% | 13.58% or more |
| Troubled loans60+ days late | 0.28% | 0.68% | 0.39% or less |
| ProfitabilityReturn on assets | 0.92% | 0.75% | 1.18% or more |
| LendingLoans per $100 deposited | $59 | $76 | — |
- CapitalNet worth ratio12.97%Peers’ middle 11.43% · Top 25% 13.58%+
- Troubled loans60+ days late0.28%Peers’ middle 0.68% · Top 25% ≤0.39%
- ProfitabilityReturn on assets0.92%Peers’ middle 0.75% · Top 25% 1.18%+
- LendingLoans per $100 deposited$59Peers’ 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 Valley Communities Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.