Co-op Credit Union

Headquarters

Po Box 157
Black River Fal, WI 54615
See all branch locations →

Notable Rates	APY	Vs.Others
Savings	0.20%	4.45% →
1-Year CD	0.70%	4.59% →
2-Year CD	0.85%	4.00% →
5-Year CD	1.25%	4.00% →
30-Year Mortgage	N.A.	4.91% →
15-Year Mortgage	N.A.	4.39% →
HELOC	N.A.	0.99% →

Overview
Membership
Deposit Rates
Loan Rates
Branches
Climate
Financial Details
FAQs
Reviews

2025 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 $570.77 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	$570.77 million
Loans	$482.93 million
Deposits	$500.56 million
Capital	$65.60 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 - December 16, 2025

Your Current Location: Indiana, IN 10007

Savings and Money Market Rates (Share Account Rates)	APY	MIN	MAX
Savings	0.20%	$2,500	$4,999	Learn More Reviews
Money Market	0.45%	$10,000	$14,999	Learn More Reviews
Money Market	0.50%	$25,000	$29,999	Learn More Reviews

CD Rates (Share Certificate Rates)	APY	MIN	MAX
6 Mo CD	0.50%	$10,000	$14,999	Learn More Reviews
6 Mo CD	0.50%	$100,000	$199,999	Learn More Reviews
12 Mo CD	0.70%	$10,000	$14,999	Learn More Reviews
12 Mo CD	0.70%	$100,000	$199,999	Learn More Reviews
18 Mo CD	0.75%	$10,000	$14,999	Learn More Reviews
18 Mo CD	0.75%	$100,000	$199,999	Learn More Reviews
24 Mo CD	0.85%	$10,000	$14,999	Learn More Reviews
24 Mo CD	0.85%	$100,000	$199,999	Learn More Reviews
36 Mo CD	1.00%	$10,000	$14,999	Learn More Reviews
36 Mo CD	1.00%	$100,000	$199,999	Learn More Reviews
48 Mo CD	1.20%	$10,000	$14,999	Learn More Reviews
48 Mo CD	1.20%	$100,000	$199,999	Learn More Reviews
60 Mo CD	1.25%	$10,000	$14,999	Learn More Reviews
60 Mo CD	1.25%	$100,000	$199,999	Learn More Reviews

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 - December 16, 2025

Your Current Location: Indiana, IN 10007

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 - Indiana 30 Year Fixed Mortgage Rates 2025

Lender	APR	Rate (%)	Points	Fees	Monthly Payment	Learn More
NMLS ID: 1907	0.000%	0.000%	0.00	$0	$0	Learn More
NMLS ID: 2059741	5.915%	5.875%	0.38	$1,398	$1,893	Learn More
NMLS ID: 401822	6.128%	6.000%	0.75	$4,395	$1,919	Learn More
NMLS ID: 1025894	6.221%	6.125%	0.75	$3,289	$1,945	Learn More

See More Mortgage Rates →

Featured - Indiana Home Equity Line Of Credit Rates 2025

Lender	APR (%)^?	Monthly Payment^?	Learn More
Upstart Home Lending See Table	Intro APR 6.520 % After Intro: 6.520 %	$20,800	Learn More More Info
1. Upstart Mortgage offers HELOCs from $26K-$250K. An initial draw of 80% of the approved credit limit is required at account opening. 2. Terms shown here are subject to change without notice. APRs for initial advances range from 6.52% to 18.00% based on rates offered as of July 2025. The lowest rate is only available to consumers willing to become a member of a credit union and to those who meet a minimum FICO score of 780, CLTV under 70%, and DTI under 45%. Your actual rate will depend on many factors such as your credit history, combined loan-to-value ratio (CLTV), line amount, loan term, lien position, and property state. Origination fee to open an account is between 0% and 4.99% of the approved credit limit. The Annual Percentage Rate ("APR") is variable and based on the Prime Rate as published in the Wall Street Journal "Money Rates" table plus or minus a margin. Your APR will never be less than 3.99% or greater than 18.00%. Property insurance is required. 3. All mortgage lending conducted by Upstart Mortgage, LLC dba Upstart Home Lending. NMLS #2443873 As low as 6.52% APR on your initial draw* Get your money up to 10x faster than the industry standard Fixed rate on each draw No paperwork needed to apply
Valley Strong Credit Union See Table	Intro APR 6.850 % After Intro: 6.850 %	$15,000	Learn More More Info
Approval may be granted in five minutes but is ultimately subject to verification of income and employment, as well as verification that your property is in at least average condition with a property condition report. Five business day closing assumes closing the loan with our remote online notary. Closing timelines will be longer for loans secured by properties located in counties that do not permit recording of e-signatures or that otherwise require an in-person closing. Get your offer in 5 minutes and funding in as few as 5 days Personalized banking solutions to help reach your financial goals Up to $400K Terms of 10,15, or 30 years
Third Federal Savings and Loan See Table	Intro APR 6.990 % After Intro: 6.990 %	$0	Learn More More Info
Conditions… Variable APR of Prime minus 1.01% in all states. Min loan amount $10,000. Max loan amount $200,000. 30-year term. Annual fee waived for the first year. See conditions for guarantee at thirdfederal.com. Third Federal rate are typically 20% lower than other leaders Guaranteed Lowest Rate No closing costs, prepayment penalties, or minimum draw requirements 10 year draw period
Achieve Loans See Table	Intro APR 7.240 % After Intro: 7.240 %	$0	Learn More More Info
Offers may vary; all loan requests are subject to eligibility requirements, application review, loan amount, loan term, income verification, and lender approval. Product terms are subject to change at any time. Offers are a line of credit. Loans are not available to residents of all states and available loan terms/fees may vary by state where offered. Line amounts between $15,000 and $300,000 and are assigned based on product type, debt-to-income ratio and combined loan-to-value ratio. 10, 15, 20, and 30-year terms available. Minimum 600 credit score applies for debt consolidation requests (20 and 30 year terms require a minimum credit score of 640), minimum 700 applies for cash out requests. Fixed rate APRs range from 6.240%- 14.00% and are assigned based on underwriting requirements. Offer APRs assume automatic payment enrollment which may provide a discount (autopay enrollment is not a condition of loan approval). All terms have a 5-year draw period with the remaining term being a no draw period. Payments are fully amortized during each period and determined on the outstanding principal balance each month. Closing fees range from $750 to $6,685, depending on line amount and state law requirements and typically include origination (up to 3.5% of line amount) and underwriting ($725) fees if allowed by law. Property must be owner-occupied. CLTV ratio may not exceed 75%, including the new loan request. Property insurance is required and flood insurance may be required if the subject property is located in a flood zone. You must pledge your home as collateral. 6.240% APR requires low DTI and CLTV; a maximum loan amount of up to $150,000; 10-year term; FICO 780+; and automatic payment enrollment. Contact Achieve Loans for further details. Equal Housing Opportunity. Competitive rates, Pre-qualify in minutes Mortgage Advisors standing by to help find the best solution Flexible terms with fast funding Minimum credit score: 600
Farmers Bank of Kansas City See Table	Intro APR 8.750 % After Intro: 8.750 %	$25,000	Learn More More Info
This is not a pre-approval or an offer of credit. This is an invitation to apply, and in order to qualify for a loan you must meet our credit and other requirements. Applicants are required to provide a current and valid completed application, proof of income, mortgage statement, property hazard insurance, and a photo ID. Approval is contingent upon a full application and is not guaranteed. We will not extend credit if we cannot verify that your credit profile, debt, income, identity, property value, home equity, and title meet our underwriting criteria. Loan terms, rates, and fees are subject to change. Rates and terms may vary and depend on credit score, CLTV (combined loan-to-value), property type, occupancy and loan terms. These results are for informational purposes only. Farmers Bank of Kansas City’s Home Equity Line of Credit (HELOC) has a 20-year repayment term. The first 10 years will be the Draw period with the interest rate based on the Prime Rate published by the Wall Street Journal plus a margin and allows for an interest only payment to be made during the draw period. If a balance is owed after the draw period concludes, the interest rate will become fixed for the remaining 10 years and will be based upon the Prime Rate published by the Wall Street Journal plus a margin. The HELOC interest rate will not go below 5% or higher than 18%. The minimum line amount offered is $25,000 and the maximum line amount offered is $350,000. The minimum draw amount required is $25,000 or half of the maximum line amount, whichever is greater. A HELOC requires you to pledge your home as collateral, and you could lose your home if you fail to repay. Offers, rates and fees are subject to change without notice. Repayment begins approximately 30 calendar days after funding. Farmers Bank of Kansas City also offers a fixed rate Home Equity Loan (HELOAN). Rates vary and depend on credit score, CLTV (combined loan-to-value), property type, occupancy and loan terms. Customized Rate Quote 24/7 Online Borrower Portal Streamlined Online Application Up to 100% LTV

See 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:
Avon,Indiana

Co-op Locations around zip code 10007

Branch	Distance	Map	View Lobby Hours
Tiger Credit Union - In-school branch	341.42	A	View Lobby Hours
Main Office	381.27	B	View Lobby Hours
Melrose	388.02	C	View Lobby Hours
Main Office	391.80	D	View Lobby Hours
Cty A Drive Up	392.64	E	View Lobby Hours
Galesville	397.67	F	View Lobby Hours
Strum	423.75	G	View Lobby Hours
Fall Creek	431.37	H	View Lobby Hours
Onalaska	793.30	I	View Lobby Hours

View Branches Nationwide →

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
4.05%	5.63

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 June 30, 2025, Co-op had $2,652,768 in non-current loans and $94,468 in owned assets. To cover these potential losses it had $65,596,934 in net worth and $2,201,699 in loans loss reserves. That gives it a Texas Ratio of 4.05%.

Net Worth

Co-op	U.S. Average
11.49%	14.29%

Co-op FCU has a net worth of 11.49% versus the BestCashCow average of 14.29. 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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