2024 Overview
General Credit Union Information
Co-op is an NCUA insured institution located in Black River Fal, WI. It was founded in 1938 and has approximately $533.8 millions in assets.
Who can join?
Co-op Credit Union membership is open to:
• Any member of any cooperative organized or existing in Jackson County, WI.
• Any stockholder of the Fall Creek Supply Co-op or Augusta Farmers Union Co-op.
• Persons residing, employed or owning property in the following counties in Wisconsin: Buffalo, Chippewa, Clark, Eau Claire, Jackson, Pepin or Trempealeau.
• Persons residing, employed or owning property within a 25-mile radius of the Village of Strum, WI.
• Persons living, employed or owning property in the townships of Burns, Farmington or Holland, or Village of Holmen in La Crosse County, WI.
• Persons residing, employed or owning property in the township of Little Falls in Monroe County.
Co-op Credit Union membership is also open to Cooperatives organized or existing in Jackson County:
• AMPI Co-op
• Clark Electric Co-op
• Eau Claire Electric Co-op
• Hixton-Fairchild Farmers Co-op
• 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
• Tri-County Communications Co-op
• West Salem Farmers Co-op
| NCUA Insured | Yes / State-Chartered |
| Charter Number # | # 66983 |
| Date Established | 1938 |
| Assets | $533.80 million |
| Loans | $436.61 million |
| Deposits | $469.00 million |
| Capital | $58.29 million |
Field of Membership Restrictions
CO-OP CU is open to anyone that lives in, works in, or is a property owner in these Wisconsin Counties; Buffalo, Chippewa, Clark, Dunn, Eau Claire, Jackson, LaCrosse, Monroe, Pepin, and Trempealeau, as well as any stockholders of the Fall Creek Supply or Agusta Farmers Union Co-Op's, any federal workers, including postal workers, within a 75-mile radius of LaCrosse, and the employees of any of the site listed CU-affiliated CO-OPs that exist in Jackson County
Deposit Rates - April 25, 2024
Your Current Location: Ohio, OH 43085
| Savings and Money Market Rates (Share Account Rates) | APY | MIN | MAX | |
|---|---|---|---|---|
| Savings
|
0.20% | $2,500 | $4,999 |
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|
|
Money Market
|
0.45% | $10,000 | $14,999 |
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|
|
Money Market
|
0.50% | $25,000 | $29,999 |
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|
| CD Rates (Share Certificate Rates) | APY | MIN | MAX | |
|---|---|---|---|---|
| 6 Mo CD
|
0.50% | $10,000 | $14,999 |
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|
| 6 Mo CD
|
0.50% | $100,000 | $199,999 |
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|
| 12 Mo CD
|
0.70% | $10,000 | $14,999 |
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|
| 12 Mo CD
|
0.70% | $100,000 | $199,999 |
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|
| 18 Mo CD
|
0.75% | $10,000 | $14,999 |
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|
| 18 Mo CD
|
0.75% | $100,000 | $199,999 |
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|
| 24 Mo CD
|
0.85% | $10,000 | $14,999 |
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|
| 24 Mo CD
|
0.85% | $100,000 | $199,999 |
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|
| 36 Mo CD
|
1.00% | $10,000 | $14,999 |
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|
| 36 Mo CD
|
1.00% | $100,000 | $199,999 |
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|
| 48 Mo CD
|
1.20% | $10,000 | $14,999 |
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|
| 48 Mo CD
|
1.20% | $100,000 | $199,999 |
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|
| 60 Mo CD
|
1.25% | $10,000 | $14,999 |
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|
| 60 Mo CD
|
1.25% | $100,000 | $199,999 |
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|
| Int Checking Rates | APY | MIN | MAX | |
|---|---|---|---|---|
| Int Ckg
|
0.05% | $1 | $99 | Learn More |
| Int Ckg
|
0.05% | $2,500 | $3,499 | Learn More |
| Checking Rates | APY | MIN | FEE | |
|---|---|---|---|---|
| Reward Checking | 2.25% | $0 | $0.00 | Learn More |
Loan Rates - April 25, 2024
Your Current Location: Ohio, OH 43085
There are currently no loan rates available for Co-op
Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:
Featured - Ohio 30 Year Fixed Mortgage Rates 2024
| Lender | APR | Rate (%) | Points | Fees | Monthly Payment |
Learn More |
|---|---|---|---|---|---|---|
NMLS ID: 401822 |
6.944% | 6.750% | 1.00 | $6,400 | $2,076 | Learn More |
NMLS ID: 447490 |
6.947% | 6.875% | 0.75 | $2,342 | $2,103 | Learn More |
NMLS ID: 3030 |
7.476% | 7.375% | 1.00 | $3,200 | $2,211 | Learn More |
NMLS ID: Not a Lender |
Learn More |
Featured - Ohio Home Equity Line Of Credit Rates 2024
| Lender | APR (%)? | Monthly Payment? | Learn More |
|---|---|---|---|
Third Federal Savings and Loan See Table |
7.490 %
|
$0 |
Learn More
More Info |
Note to Co-op
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Branches
Below are Co-op branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.
Your Location:
Columbus,Ohio
Climate Policy and Initiatives
CO-OP is encouraged to provide us with this information. When we receive this information from the credit union, we will provide it here.
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Financial Details
Co-op Ratio Analysis
The following ratios and data are available to help you better understand the financial condition of Co-op. The data is provided by the NCUA. All credit unions on BestCashCow, except those specified as not NCUA-insured in the overview section above, are NCUA-insured. Depositors should be careful to remain within NCUA insurance limits.
Texas Ratio
| Co-op | U.S. Average |
|---|---|
| 3.50% | 6.97 |
The Texas Ratio compares the amount of loans at risk and assets repossessed with the amount a credit union has on hand to cover any losses. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a credit union has to absorb its loan losses.
As of December 31, 2023, Co-op had $2,111,791 in non-current loans and $5,875 in owned assets. To cover these potential losses it had $58,288,296 in net worth and $2,201,699 in loans loss reserves. That gives it a Texas Ratio of 3.50%.
Net Worth
| Co-op | U.S. Average |
|---|---|
| 10.92% | 13.62% |
Co-op FCU has a net worth of 10.92% versus the BestCashCow average of 13.62. Net worth measures how much total assets exceed total liabilities. The higher the net worth number the more secure a credit union is considered.
Customer Reviews for Co-op
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