Capital Credit Union (WI) is headquartered in Green Bay and is the 11th largest credit union in the state of Wisconsin. It is also the 186th largest credit union in the nation. It was established in 1934 and as of June of 2023, it had grown to 439 employees and 117,124 members at 24 locations. Capital Credit Union (WI)'s money market rates are 10X the national average, and it has an A health rating.
Field of Membership Restrictions
Membership in Capital Credit Union is open to those who live, work, attend school, own property in, or own/run a business in the Wisconsin counties of Brown, Calumet, Door, Kewaunee, Manitowoc, Marinette, Menominee, Oconto, Outagamie, Shawano, Waupaca, or Winnebago.
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Previous smaller company was much better.
We have been with our current credit union since it was Pioneer Credit Union. They were previously a wonderful company to be apart of. The customer service was geared much more towards their customers, and they definitely seemed to care about what their patrons thought. When they were bought out a couple of years ago by a larger parent company, the now Capital Credit Union, the customer service and quality of service drastically decreased. No longer do they seem to care about their customers. It is a hassle to attempt to try to spend your own money with ridiculous limits and multiple hoops to jump through just to be able to get those limits raised (and only for a single day, not possible for a weekend trip). They would rather nickel and dime you on fees, which all around are cheaper than local banks, but still ridiculous compared to the service we had in the past. The only reason we have stayed is due to our HELOC we have through them. Rates are comparable to other credit unions and banks in the area, and I would honestly be open to switching to a different credit union if we didn't have the HELOC.
Capital Credit Union is better than banks
We have been working with Capital Credit Union before it even merged with Capital. Before ours was known as Pioneer Credit Union. I miss the small town feel of the credit union when it was Pioneer. The customer service was better, they seemed to have more time to talk with customers, more answers for their customers, and were much kinder. After becoming Capital we have had a lot more issues trying to deposit our checks via their mobile app; when they are denied, we get hassle at the physical location because the back is embossed with "For Mobile Deposit Only", required to attempt to deposit checks via the mobile app. We have had major issues just trying to spend our own money with very low limits on our debit cards, hassles when we try to withdraw our cash, and it was all still just small percentages of the cash we actually had in our bank account. It has become more of a hassle and we have considered switching multiple times. It has been a better experience than working with our banks, but I feel once our other services through the credit union are finished we will end up switching to a different credit union in our area.
The Customer Is Not First For Them.... Disappointed>> Do Not Bank There.
I has make several loan over the year totalling over 17k with Capital. I am going through divorce I called to make a loan only on my name and they said that they need it my ex wife information to complete the process. I give the lady the information thinking that it was only to verify the information and little that I know they ran the credit report on my ex-wife. She did not told me that because I would've say no. She called me a liar and said that she told me that she did told me. I told her to removed the inquire of my wife or they were going to lose my business. They brought the matter all the way to the VP of the company which is clear to me that to him the customer is not important but rather doing thing in an ancient way. They say that the law require.... Biggest lie ever; is a company policy and the lady did explained it before she begun the process... Lies and lies....I spoke to Commissioner of financial institution and the only thing by law they are required to do is notify my ex of my intentions of getting a loan but does not require a credit report on her. So before choosing a lending Credit union; Do not pick Capital Credit union. They lie there way to unethical way to do business.
Poor Service And Organization
Don't trust this credit union with your money, they have made far too many mistakes with accounts and given out unwarranted fees. They are disorganized and keep poor records, as well as making unauthorized changes to your accounts.
Data as of Q2 2023
Learn why bank health mattersHealth Grade Components
| Overall | |
|---|---|
| NCUA # | 66865 |
| Year Chartered | 1934 |
| Employees | 439 |
| Primary Regulator | |
| Profit Margin | |
|---|---|
| Return on Assets - YTD | 0.83% |
| Return on Equity - YTD | 7.37% |
| Annual Interest Income | $52.7MM |
| Assets and Liabilities | ||
|---|---|---|
| Assets | Q2 2023vs Q2 2022 | $2.41B$2.25B |
| Loans | Q2 2023vs Q2 2022 | $1.96B$1.68B |
| Deposits | Q2 2023vs Q2 2022 | $1.96B$1.94B |
| Equity Capital | Q2 2023vs Q2 2022 | $266.5MM$249.0MM |
| Loan Loss Allowance | Q2 2023vs Q2 2022 | $0$7.6MM |
| Unbacked Noncurrent Loans | Q2 2023vs Q2 2022 | $18.1MM$10.5MM |
| Real Estate Owned | Q2 2023vs Q2 2022 | $0$0 |
