Co-op Credit Union

Headquarters

Po Box 157
Black River Fal, WI 54615
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Notable Rates APY Vs.Others
Savings 0.20% 4.35% →
1-Year CD 0.70% 4.59% →
2-Year CD 0.85% 4.50% →
5-Year CD 1.25% 4.55% →
30-Year Mortgage N.A. 4.91% →
15-Year Mortgage N.A. 4.39% →
HELOC N.A. 0.99% →

2026 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 $614.97 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 $614.97 million
Loans $512.18 million
Deposits $540.62 million
Capital $70.59 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 - September 30, 2026

Your Current Location: South Carolina, SC 10116

Savings and Money Market Rates (Share Account Rates) APY MIN MAX
Savings
0.20% $2,500 $4,999 Learn More
Money Market
0.45% $10,000 $14,999 Learn More
Money Market
0.50% $25,000 $29,999 Learn More
CD Rates (Share Certificate Rates) APY MIN MAX
6 Mo CD
0.50% $10,000 $14,999 Learn More
6 Mo CD
0.50% $100,000 $199,999 Learn More
12 Mo CD
0.70% $10,000 $14,999 Learn More
12 Mo CD
0.70% $100,000 $199,999 Learn More
18 Mo CD
0.75% $10,000 $14,999 Learn More
18 Mo CD
0.75% $100,000 $199,999 Learn More
24 Mo CD
0.85% $10,000 $14,999 Learn More
24 Mo CD
0.85% $100,000 $199,999 Learn More
36 Mo CD
1.00% $10,000 $14,999 Learn More
36 Mo CD
1.00% $100,000 $199,999 Learn More
48 Mo CD
1.20% $10,000 $14,999 Learn More
48 Mo CD
1.20% $100,000 $199,999 Learn More
60 Mo CD
1.25% $10,000 $14,999 Learn More
60 Mo CD
1.25% $100,000 $199,999 Learn More
Int Checking Rates APY MIN MAX
Int Ckg
0.05% $1 $99 Learn MoreShow Less
Int Ckg
0.05% $2,500 $3,499 Learn MoreShow Less
Checking Rates APY MIN FEE
Reward Checking 2.25% $0 $0.00 Learn MoreShow Less

Loan Rates - September 30, 2026

Your Current Location: South Carolina, SC 10116

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 - South Carolina 30 Year Fixed Mortgage Rates 2026

View more mortgage rates

Featured - South Carolina Home Equity Line Of Credit Rates 2026

View more home equity rates

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:
New York City,South Carolina



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
9.62% 6.78

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, 2025, Co-op had $6,988,503 in non-current loans and $12,755 in owned assets. To cover these potential losses it had $70,593,307 in net worth and $2,201,699 in loans loss reserves. That gives it a Texas Ratio of 9.62%.

Net Worth
Co-op U.S. Average
11.48% 14.48%

Co-op FCU has a net worth of 11.48% versus the BestCashCow average of 14.48. 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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