Capital Credit Union is the WI CU I’ll be focusing on for you here. We’ll go over a number of important details on them, like history, membership requirements, and what different types of products they can offer you.
Advertiser Disclosure: We receive compensation if you sign up for financial products or services mentioned in this article in the blue buttons. For more info on that, click here.
*Routing #: 275978394
*Phone #’s: 920.494.2828 and 1.800.728.4294
A Little History
Unlike most credit unions that formed in the ’30s, Capital Credit Union was ahead of the game with their first organizational meeting in 1927.
This Wisconsin CU actually started out as two separate credit unions which eventually merged. One was called Pioneer Credit Union and the other was Kimberly Credit Union.
Today, they’ve grown to over 124,000 members throughout many Northeastern Wisconsin counties.
Membership Requirements at Capital Credit Union
In order to become a member, you will need to either live, work, go to school, own property, or own/run a business in certain specific WI counties.
Those are Brown, Calumet, Door, Kewaunee, Manitowoc, Marinette, Menominee, Oconto, Outagamie, Shawano, Waupaca, or Winnebago counties.
If any of your immediate family is eligible for membership, then you can also join. Membership status is for life once you join, too.
Capital Credit Union carries many of the traditional financial products you’d find at a bank. Those include checking, savings, and money market accounts.
You can get certificates, IRAs, Health Savings Accounts, and Debit cards here, too. Their rates for loan products are pretty competitive, so, you can work with them for those big purchases.
Their rates on a 36-month loan with collateral can get as low as 1.99% APR. For longer terms, the minimum rate will be higher. An 84-month loan with collateral would be a minimum of 3.74% APR. Both those rates are current as of this writing but could be subject to change.
There are a few different loan products here. They can offer you car loans, home equity loans, home loans, student loans, personal loans, and credit cards.
You can find various financial services here, too. That includes things like transfers, mobile check deposit, and text banking, to name a few.
Capital Credit Union also offers bill pay, credit sense, eStatements, cardvalet, mobile wallet, and web payments.
Business Products at Capital Credit Union
Do you own a business? If you do, CCU might be for you. Choose from business checking, business savings, and business money market accounts here.
They can also offer you business loans, business credit cards, and also competitive rates/fees. In their loan rate table, it doesn’t show anything specific to businesses.
The fees that they show under the business schedule look pretty reasonable. Their monthly service fees at Capital Credit Union vary based on the type of account that you have.
If you opt for overdraft protection, there is a $5 fee for each.
How They Give Back
CCU gives back in a number of ways. I always like seeing when a credit union does things to help their community.
Many of them do, which is really cool. In 2020, Capital Credit Union supported fire and police departments, fought homelessness, and did a ton of other things during the pandemic to help out the community.
Their scholarship program helps a handful of kids pay for college every year. In addition to that, they financially support a handful of charities.
CCU Final Thoughts
CCU looks like a solid credit union if I’ve ever seen one. You can get pretty much all of the same products and services that you’d find at a big bank.
They can offer you basic checking and savings, help you make big purchases, and even support your business. Check out Capital Credit Union today at https://www.capitalcu.com/.
Do you have a review on this credit union? Send it to [email protected] and we’ll add it in!
*All information in this article was current at the time of this writing, however, it could change without notice. We do our best to keep these updated, however, there is no guarantee you will find the same information on the CU’s website or at the time of opening an account with them.
*This site is not affiliated with the Credit Union mentioned in this article.