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P.O. Box 309
Onalaska, WI 54650

Marine Credit Union is headquartered in Onalaska and is the 13st largest credit union in the state of Wisconsin. It is also the 456th largest credit union in the nation. It was established in 1949 and as of December of 2013, it had grown to 282 employees and 56,805 members. Marine Credit Union has a B health rating.

Field of Membership Restrictions

Must live or work in Brown, Calumet, Columbia, Crawford, Dodge, Grant, Green Lake, Fond du Lac, La Crosse, Manitowoc, Marquette, Milwaukee, Outagamie, Ozaukee, Sheboygan, Vernon, Washington, Waukesha, Waushara or Winnebago County in Wisconsin; Allamakee, Clayton, Fayette or Winneshiek County in Iowa; Fillmore, Houston, Olmsted or Winona County in Minnesota. - See Details

Reviews (4)

Most Arrogant, Nasty Middle And Upper Management

Never, never bank with this group.  If you are down they delight in behaving like vultures.  I was less than 2 weeks late and the bullying began in earnest.  I became ill, lost my job, tried relentlessly to find another while keeping up with my mortgage payments for two years.  My mortgage interest was 9.125%, 5/1 ARM with 10% down; they took my car and my home.  Icing on the cake was a defeciency judgment for nearly $20,000 while my home was in foreclosure.  This leaves the door open for future judgments should they sell my home for less than they purchased it for at the auction.  This is a tactic unheard of by the many people I know in banking and real estate, even the AG's office has unfamiliar with this procedure.  During the course of my loan I paid approx. $22,000 more than someone with a normal interest rate and a minimal down payment.  I improved the property to the tune of several thousand dollars.

What they did was take a heart wrenching situation and use it to their full advantage to make a substantial profit.  The judgment has in affect guaranteed I will never own another home.  I'm also disabled and have nowhere to go.

I have no qualms about leaving my name and contact info - anonymous has never been my style.

Trish Zeinert

Winona, MN

Customer Service Is Key!!

thank you to rachel after my recent visit to marine. the wait in line was very quick and she provided excellent customer service... used my name, had great eye contact, and asked helpful questions in regards to my current accounts. this is what customer service is all about... not feeling rushed while trying to complete banking business!

Bank And Credit Card

I've had nothing but a horrible experience with this bank! I had a credit card and they posted online that I had no balance and stopped sending me statements for four months, in the fifth month I got a 2nd notice (did not receive a first notice) (also they had the correct mailling address in their system and I never moved) that I have a past due account and I haven't been making my payments. So I got overdue fees and they messed with my credit. On the bank end the website more then half the time doesnt work because of maintence problems and your money doesnt always transfer when it should! Horrible experience with people not willing to help either! Would never reccomend! 


Horrible!! They totally give you the run around.  Pre-approve you then tell you they need something else and when you come up with that AGAIN they tell you they need more.  Never do business here.  There are many honest, helpful and friendly credit unions out there.  Go elsewhere if you want honest service.



Data for Q4 2013

Institution Health


Texas Ratio


The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of December 31, 2013 Marine Credit Union had $13.79 million in non-current loans and owned real-estate with $52.57 million in equity and loan loss allowances on hand to cover it. This gives Marine Credit Union a Texas Ratio of 26.24% which is average. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend


The Texas Ratio for Marine Credit Union increased slightly from 18.92% as of December 31, 2012 to 26.24% as of December 31, 2013, resulting in a negative change of 38.71%. This indicates that the balance sheet and financial strength for Marine Credit Union has declined slightly in recent periods.

Deposit Growth


In the past year, Marine Credit Union has increased its total deposits by $10.95 million, resulting in 3.21% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Marine Credit Union has shown is excellent.



Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Marine Credit Union has $474.39 million in assets with $52.57 million in equity, resulting in a capitalization level of 11.08%, which is excellent.

Institution Statistics

NCUA #66752
Year Chartered1949
Primary Regulator
Assets and Liabilities
Assets$474.39 million
Loans$357.92 million
Deposits$351.85 million
Equity Capital$45.95 million
Loan Loss Allowance$6.63 million
Unbacked Noncurrent Loans$13.08 million
Real Estate Owned$716,000
Historic Data - December 2012
Assets$414.58 million
Equity Capital$39.00 million
Loan Loss Allowance$6.09 million
Unbacked Noncurrent Loans$13.08 million
Real Estate Owned$1.36 million
Profit Margin - Quarterly
Net Interest Margin5.95%
Return on Assets1.08%
Return on Equity11.14%
Interest Income$22.87 million

Always verify rates and promotions with the bank or credit union. We are not Marine Credit Union, we are a rate comparison website and can not provide official rates or promotions.

Marine Credit Union Savings Account Rates

0.25%--IRA Share Savings
0.25%--Roth IRA Share Savings
0.25%--CESA Share Savings
0.10%--Share Savings
0.10%--Christmas Savings
0.10%--Vacation Savings

Marine Credit Union Money Market Rates


Marine Credit Union Checking Account Rates

0.10%$1k-Better Than Free Checking + Interest

Marine Credit Union CD Rates

1.31%$1k-60 Month CD
1.15%$1k-48 Month CD
1.05%$1k-36 Month CD
1.00%$1k-30 Month CD
0.80%$1k-24 Month CD
0.60%$1k-18 Month CD
0.50%$1k-12 Month CD
0.35%$1k-6 Month CD
0.20%$1k-3 Month CD

Marine Credit Union IRA Rates

1.41%$1k-60 Month IRA (Traditional,Roth,CESA)
1.26%$1k-48 Month IRA (Traditional,Roth,CESA)
1.15%$1k-36 Month IRA (Traditional,Roth,CESA)
1.10%$1k-30 Month IRA (Traditional,Roth,CESA)
0.90%$1k-24 Month IRA (Traditional,Roth,CESA)
0.70%$1k-18 Month IRA (Traditional,Roth,CESA)
0.60%$1k-12 Month IRA (Traditional,Roth,CESA)

Marine Credit Union has 18 locations. Click to view all Marine Credit Union locations.