Fox Communities Credit Union

Name

Fox Communities Credit Union

Legal name

Fox Communities Credit Union

Website

https://foxcu.org

Company type

Private

Founded year

1937

Operating status

Operating

Headcount range

251–500 employees

Ownership category

akta.pro rank

Product category

Retail Banking

NAICS

Credit Unions (522130), Credit Card Issuing (522210)

SIC

Personal Credit Institutions (6141)

akta.pro primary industry

Community Credit Unions (Retail/Consumer Focus) (FSABAEAA)

akta.pro secondary industry

Bank & Credit Union Personal Loans (Unsecured Installment) (FSAKAAAL)

Keywords

• Consumer banking services
• Mortgage lending
• Credit union services
• Vehicle loans
• Savings accounts

Headquarters

HQ city

Appleton

HQ country

United States

HQ region

North America

Offices14 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Operations, Infrastructure, Technology or R&D, Marketing or Sales, Others

Revenue model

1. Interest Income on Loans: Fox earns interest income from various loan products including mortgages, home equity loans, auto loans, personal loans, student loans, and credit cards. Rates vary based on creditworthiness, loan type, and term length. This represents the primary revenue source for the credit union.
2. Deposit Account Fees: Fees generated from various deposit account services including ATM fees for non-network withdrawals, wire transfer fees (domestic $18, international $100), incoming wire fees ($10), overdraft fees, and monthly service charges on certain accounts.
3. Credit Card Interchange: Transaction fees earned from credit card processing when members use their Fox credit or debit cards at merchants worldwide. No annual fees on most cards but interchange income is generated on each transaction.
4. Service Charges and Fees: Various service charges including card replacement fees, stop payment fees, and other banking service fees. Business accounts may incur monthly maintenance fees if balance thresholds are not met.

Pricing tiers

Go-to-market motion3 records

Distribution channels5 records

Marketing channels6 records

Core offering

Fox Communities Credit Union is a member-owned financial cooperative that delivers consumer and small business banking products including checking and savings accounts, money market accounts, share certificates, and HSAs, alongside a full lending suite spanning mortgages, home equity, auto and recreational vehicle loans, personal and student loans, and credit cards. Distribution is hybrid, combining 25+ Wisconsin branches with online banking, a mobile app, Zelle, digital wallets, and phone/text banking. Revenue is generated primarily through net interest income on the loan portfolio, supplemented by deposit service fees, wire transfer fees, interchange income, and ancillary business banking services.

Product overview

Fox Communities Credit Union is a full-service, not-for-profit financial institution serving members throughout Wisconsin. The product portfolio is organized as a unified banking platform with distinct product categories spanning consumer and business banking. Consumer products include Fox Rewards Checking and Fox Free Checking accounts, Regular Savings, Fox Rewards Savings, KA-POW Kids Club, and SaveUp round-up program under checking and savings; Everyday Money Market and Fox Rewards Money Market accounts; Share Certificates with terms from 3-60 months; and Health Savings Accounts. Lending products include 30/20/15-year fixed mortgages, adjustable-rate mortgages, construction loans, lot and land loans, first-time homebuyer programs (Fox First Home Advantage), and Downpayment Plus assistance under mortgage loans; Home Equity Loans and HELOCs; auto loans for vehicles and recreational vehicles, Reliable Rides subprime auto loan, and Auto Buying Service; unsecured personal loans, It's About Time Homeowners' loans, Credit Builder and Share Secured loans, and Kwik Cash line of credit; and student loans through Colleging partnership with refinancing options. Credit card offerings include Fox Cash Back, Fox Best Rate, Fox First Rewards, and Fox Secured cards. Business banking encompasses Business Checking, Business Cash Back Credit Card, and Treasury Management services. Digital banking is provided through Online Banking and Mobile Banking platforms with Digital Wallets (Apple Pay, Google Pay, Samsung Pay), Mobile Check Deposit, Zelle payments, Text & Telephone Banking, Card Controls, and Free Credit Score access. Financial wellness tools include Fox Money Blueprint, GreenPath Financial Wellness counseling, and comprehensive financial calculators. The Fox Rewards Suite bundles Checking, Savings, and Money Market accounts for members seeking to maximize earnings.

Differentiator

Problem solved

Functional benefit

Brands

• Fox Cares Foundation: The charitable arm of Fox Communities Credit Union, focused on tackling homelessness, fighting hunger, and supporting the arts. Hosts the annual Bike to the Beat cycling fundraiser.
• KA-POW Kids Club

Products and services

• Fox Rewards Checking High-yield consumer checking account earning 5.00% APY on balances up to $5,000 when monthly qualifications (15 debit/credit transactions, $500+ direct deposit, eStatements) are met; rate drops to 0.01% APY otherwise. Includes ATM fee refunds up to $15 monthly and early payroll access, with no monthly fees or minimum balance.
• Fox Free Checking Fee-free consumer checking account with no dividends paid, no monthly fees, no minimum balance, and unlimited ATM withdrawals.
• Regular Savings
• Fox Rewards Savings
• KA-POW Kids Club
• Everyday Money Market
• Fox Rewards Money Market
• Share Certificates
• Health Savings Account (HSA)
• Wire Transfers
• 30 Year Fixed Mortgage
• 20 Year Fixed Mortgage
• 15 Year Fixed Mortgage
• Fox First Home Advantage
• Construction Loans
• Lot and Land Loans
• Downpayment Plus
• Home Equity Loan
• Home Equity Line of Credit (HELOC)
• Auto Loans & Refinancing
• Recreational Vehicle Loans
• Reliable Rides Auto Loan
• Unsecured Personal Loans
• It's About Time Homeowners' Loan
• Credit Builder Loan
• Share Secured Loan
• Kwik Cash Line of Credit
• Student Loans
• Student Loan Refinancing
• Fox Cash Back Credit Card
• Fox Best Rate Credit Card
• Fox First Rewards Credit Card
• Fox Secured Credit Card
• Business Checking
• Business Cash Back Credit Card
• Fox Communities Investment Services

Quantifiable outcome

• Members can earn approximately $2,000 per year in dividends with the full Fox Rewards Suite (based on qualified average balances)
• +3 more outcomes

Named customers6 records

Segments4 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration1 record

AI capability2 records

Feature4 records

Partnerships

Ten partnerships are on record, tiered minor and core.

• Christian YelichminorGTM or Marketing Partner · 1 January 2026Milwaukee Brewers baseball player serving as paid brand partner for Summer of Yeli sweepstakes promotion. Christian Yelich promotes Fox products including the Yeli Certificate Special (22-month share certificate with special rates). Yelich is not a certified financial planner and no information provided is intended as financial advice.
• Green Bay Botanical GardenminorGTM or Marketing Partner · 1 January 20252025 Corporate Partner of the Year recipient. Fox Communities Credit Union supports the Green Bay Botanical Garden through sponsorship and community involvement.
• Habitat for HumanityminorGTM or Marketing Partner · 1 January 20242024 Community Partner of the Year recipient. Fox supports Habitat for Humanity through donations and volunteer time to help build affordable housing in the community.
• The Family Radio NetworkminorGTM or Marketing PartnerCommunity partnership for the annual Peanut Butter & Jelly Drive to stock shelves at St. Joseph Food Program and Paul's Pantry to fight food insecurity in the Fox Valley area.
• Fox Cares FoundationcoreStrategic or Co-development PartnerThe charitable arm of Fox Communities Credit Union focused on tackling homelessness, fighting hunger, and supporting the arts. In 2025, Fox donated over $1.23 million to area nonprofits through this foundation and team members volunteered over 10,000 hours. Bike to the Beat event raises funds for the foundation.
• United WayminorGTM or Marketing PartnerFox Communities Credit Union named to United Way Top 25 Most Generous Workplace list, indicating ongoing partnership and workplace giving campaign support.
• Colleging (CU Revl)coreStrategic or Co-development PartnerPartnership with Colleging, a network of credit unions working together to help students borrow responsibly for college. Colleging provides student loan products through Fox. Servicing handled by ZuntaFi.
• Federal Home Loan Bank of ChicagominorStrategic or Co-development PartnerFox participates in the Downpayment Plus program offered by the Federal Home Loan Bank of Chicago, providing down payment assistance for eligible homebuyers who meet income requirements.
• Feeding AmericaminorGTM or Marketing PartnerFox team members volunteer at Feeding America as part of community involvement activities, supporting food bank operations in Northeast Wisconsin.
• Special OlympicsminorGTM or Marketing PartnerFox Communities Credit Union sponsors Special Olympics Champion Challenge event as part of community involvement initiatives.

Scale indicators9 records

Recent moves9 records

Expansion highlights6 records

Broad incumbents

• BECU: Washington-state based member-owned credit union serving the Pacific Northwest with consumer and business banking. Comparable cooperative model and full-service product suite though larger scale and different geography than Fox.
• Lake Michigan Credit Union: Michigan-headquartered credit union serving members nationwide with consumer banking, mortgages, and investment services. Comparable full-service product breadth though larger scale and broader geographic reach than Fox.

Direct peers

• UW Credit Union: Wisconsin-based member-owned credit union serving faculty, staff, and students across the UW System and broader Wisconsin communities. Competes directly with Fox for retail deposits, mortgages, and consumer loans across overlapping geographies, including Northeast Wisconsin.
• Connexus Credit Union: Wisconsin-based digital-forward credit union offering consumer banking, mortgages, and deposits nationally. Comparable product set to Fox (high-yield deposits, multiple credit cards, mortgages) but with stronger national digital footprint.
• Educators Credit Union: Wisconsin-based member-owned credit union serving educators and broader communities with checking, savings, lending, and digital banking. Similar mid-sized credit union profile and full-service product offering.
• Community First Credit Union: Wisconsin-based credit union serving individuals and businesses across the Fox Valley region. Direct geographic overlap with Fox in Appleton/Neenah and similar full-service consumer and business banking product suites.
• CoVantage Credit Union: Wisconsin-headquartered credit union offering consumer banking, mortgages, and business lending across Northern and Central Wisconsin. Comparable scale and product breadth to Fox, including community-branch presence.
• Heritage Credit Union: Wisconsin-headquartered credit union serving members across Southern Wisconsin with consumer banking, mortgages, and commercial lending. Comparable scale, business model, and Wisconsin footprint to Fox.
• Summit Credit Union: Wisconsin-based member-owned credit union serving Madison-area and broader Wisconsin consumers and businesses. Direct competitor for consumer deposits, mortgages, and retail banking with overlapping product suite.

Regional players

• Veritas FCU: Wisconsin-based community credit union serving Northeast Wisconsin members with consumer and business banking. Geographic adjacency to Fox's core Northeast Wisconsin market creates local overlap on certain branches.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat6 records

Key risks6 records

Key highlights6 records

Customer concentration

• YouTubeyoutube.com/@FoxCommunitiesCreditUnion
• Facebookfacebook.com/foxcu
• LinkedInlinkedin.com/company/559121
• Instagraminstagram.com/foxccu
• Xx.com/foxcu

Compliance3 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

Subsidiaries1 record

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Fox Communities Credit Union