Credit union · NCUA insured
WCCU Credit Union
A $1B credit union headquartered in Westby, WI, with 41,218 members and 12 branches in Wisconsin. Best rates: CDs 4.20% and savings 1.30% APY.
WCCU Credit Union Carrot Score
84
Carrot Score
Higher than 67% of U.S. banks and credit unions
#3 of 12 in Baraboo, WI metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About WCCU Credit Union
Westby Co-op Credit Union (WCCU Credit Union) has been operating since 1939.
- Headquarters
- 501 N Main St, Westby, WI 54667
- NCUA charter
- 67208
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This may be incomplete or out of date, so check with the credit union before you apply.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
- Any person residing or employed in Dane County is eligible.
Employers and groups
- Employees, members, or patrons of any cooperative operating in specified counties (and employees of associations/organizations of such cooperatives) who reside, attend school, own real estate, or are employed in Adams, Columbia, Crawford, Grant, Green, Green Lake, Iowa, Juneau, La Crosse, Lafayette, Marquette, Monroe, Richland, Sauk, Vernon, or Waushara County are eligible.
- Employees, members, or patrons of any cooperative operating in Dane County, and employees of associations or organizations of such cooperatives in Dane County, are eligible.
- Employees of WCCU Credit Union are eligible.
Family and household
- Immediate family members (including spouse, parents, stepchildren, and children, whether or not residing in the same household) of eligible persons, and any other relative of an eligible person or spouse residing in the same household, are eligible.
Other ways
- Customers of record at Citizen’s Community Federal Bank effective January 17, 2014 are eligible.
2 more ways to join
Other ways
- Organizations, associations, and trusts meeting specified eligibility criteria (location or majority eligible leadership/beneficiaries) are eligible.
- Public depositors may become members in the manner provided in WCCU’s bylaws.
Branches
12 branches in Wisconsin
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Wisconsin
12 branches
Baraboo area · 5
- WCCU Baraboo1333 South Blvd, Baraboo, WI 53913Directions
- WCCU Lake Delton70 Commerce St, Lake Delton, WI 53940Directions
- WCCU Prairie du Sac1170 Prairie St, Prairie du Sac, WI 53578Directions
- WCCU Reedsburg - Main820 Viking Dr, Reedsburg, WI 53959Directions
- WCCU Reedsburg - West660 S Albert Ave, Suite 400, Reedsburg, WI 53959Directions
La Crosse area · 3
- WCCU WestbyMain office501 N Main St, Westby, WI 54667Directions
- WCCU Coon Valley502 Central Ave, Coon Valley, WI 54623Directions
- WCCU Viroqua1302 N Main St, Viroqua, WI 54665Directions
Richland Center area · 2
- WCCU Richland Center - Main2403 US Hwy 14 E, Richland Center, WI 53581Directions
- WCCU Richland Center - Orange Street430 West Union St Ste 1, Richland Center, WI 53581Directions
Sparta area · 1
- WCCU Cashton105 Randy Rd, Cashton, WI 54619Directions
Madison area · 1
- WCCU Portage138 Northridge Dr, Portage, WI 53901Directions
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 | 15.64% | 10.86% | 12.59% or more |
| Troubled loans60+ days late | 1.44% | 0.70% | 0.46% or less |
| ProfitabilityReturn on assets | 1.25% | 0.82% | 1.16% or more |
| LendingLoans per $100 deposited | $84 | $88 | — |
- CapitalNet worth ratio15.64%Peers’ middle 10.86% · Top 25% 12.59%+
- Troubled loans60+ days late1.44%Peers’ middle 0.70% · Top 25% ≤0.46%
- ProfitabilityReturn on assets1.25%Peers’ middle 0.82% · Top 25% 1.16%+
- LendingLoans per $100 deposited$84Peers’ middle $88
Compared with the 479 credit unions with $1 billion or more 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 WCCU Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.