Unison Credit Union

What Unison Credit Union does

Unison Credit Union is a member-owned, cooperative financial institution headquartered in Kaukauna, Wisconsin, founded in 1932 (originally as Thilmany Credit Union and rebranded to Unison in 2002) and serving members across Brown, Calumet, Manitowoc, Outagamie, and Winnebago counties in Northeast Wisconsin through six branch locations and 60+ employees. It provides a full-service retail and small-business banking platform spanning deposit products (Share Savings, Checking, Money Market, HSA, Term Share Certificates, IRAs), consumer lending (vehicle, personal U Choose loans, Kwik Cash line of credit, Visa Platinum and Platinum Rewards credit cards), mortgage lending (Fixed-Rate, ARM, HELOC, Home Equity, Construction/Land), and business banking (Business Checking, Business Loans, Clover Go card processing via Fiserv). Member eligibility extends to residents, workers, and immediate family of existing members regardless of location.

The credit union's core technology is the "It's Me 247" digital banking platform — a vendor-supplied stack providing 24/7 online banking, mobile app (iOS/Android), text banking, and phone banking — supplemented by ZixCorp-powered secure messaging and SavvyMoney credit-score monitoring integrated within the digital channels. The product suite relies heavily on partner integrations for differentiated capabilities: ISL Education Lending for student loans, TruStage for insurance and debt-protection products, and Route 66 for extended vehicle warranties. A new Card Controls feature launching May 11, 2026 will add enhanced transaction details, recurring payment tracking, and one-time purchase allowances to the mobile app.

Unison's business model is the standard credit union cooperative model: net interest spread on loans and deposits is the primary revenue driver (vehicle loan APRs of 4.45%-7.99%, deposit APYs up to 4.10% on 13-month certificates and 3.50% on $1M money-market balances), supplemented by fee income (monthly account fees, late fees, text-banking overage fees, overdraft fees), insurance and warranty commissions (TruStage, Route 66, GAP), and interchange from credit cards. Go-to-market is direct-to-consumer through branches, the digital platform, and community-engagement channels; community involvement ($116,805 in 2024 donations, Accelerate Grants for SMBs with FHLBank Chicago, John Aman Memorial Scholarship, Utalk podcast) functions as both marketing and member-acquisition infrastructure.

Name

Unison Credit Union

Legal name

Unison Credit Union

Website

https://unisoncu.org

Company type

Private

Founded year

1932

Operating status

Operating

Headcount range

11–50 employees

Short description

Unison Credit Union is a member-owned cooperative financial institution founded in 1932 and headquartered in Kaukauna, Wisconsin, serving consumers and small businesses in five Northeast Wisconsin counties through six branches and a full digital banking platform.

Ownership category

akta.pro rank

Product category

Retail Banking (Credit Union)

NAICS

Credit Unions (522130), Credit Unions (52213)

SIC

Savings Institution, Federally Chartered (6035), 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

• Retail banking services
• Consumer lending
• Mortgage lending
• Deposit accounts
• Credit union services

Headquarters

HQ city

Kaukauna

HQ country

United States

HQ region

North America

Offices6 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 (Loan Portfolio): The primary revenue stream is interest income from the loan portfolio, including vehicle loans, mortgages (fixed-rate, ARM, construction, HELOC, home equity), personal loans (U Choose, QuickLend, Kwik Cash), credit cards, and business loans. Rates range from 4.45% APR for vehicle loans to 12.99% for rewards credit cards.
2. Deposit Taking and Interest Spread: The credit union takes deposits (savings, checking, money market, IRAs, certificates) and earns the spread between interest paid on deposits and interest earned on loans. Savings accounts earn APYs from 0.10% to 3.04% (Empowering Kids/Teens).
3. Fee Income: Fees include monthly service fees on certain accounts (e.g., $10/month for Business Checking if balance falls below $1,000; $5/month for Checking Plus if balance or direct deposit requirements not met), late fees on loans (e.g., $10 or 5% of past due), text banking fees after 100 free texts ($0.05/text), and overdraft-related fees.
4. Insurance and Warranty Products (Commission): Commission revenue from TruStage insurance products (life, auto & home, AD&D), TruStage Debt Protection and GAP coverage offered on loans, and Route 66 Extended Vehicle Warranty. These are optional products rolled into loan financing.

Pricing tiers

Go-to-market motion1 record

Distribution channels7 records

Marketing channels9 records

Core offering

Unison Credit Union is a member-owned cooperative financial institution that provides a full range of deposit and lending products to individuals and small businesses across Northeast Wisconsin. Core offerings include checking and savings accounts, money market accounts, term share certificates, IRAs, vehicle loans, personal loans, mortgages (fixed-rate, ARM, HELOC, home equity, construction), credit cards, student loans, business checking, business loans, and Clover Go card payment processing. All deposits are NCUA-insured up to $250,000 and the credit union distributes products through six physical branches and a comprehensive digital banking platform including online, mobile, text, and phone banking.

Product overview

Unison Credit Union offers a comprehensive full-service banking platform spanning personal and business banking with a multi-channel digital experience. The core product ecosystem centers on It's Me 247 Online/Mobile Banking (It's Me 247 Online Banking and Unison CU Mobile App) as the primary digital access points, supported by It's Me 247 Text Banking and CU by Phone for alternative access. The personal banking suite includes Share Savings with specialized Empowering Kids/Teens accounts and Health Savings Accounts, Checking (Easy Does It and Checking Plus), and investment products (Money Market, Term Share Certificates, Roth/Traditional/SEP IRAs, Education Savings Accounts). Lending products span Vehicle Loans, U Choose personal loans, QuickLend home improvement loans, Kwik Cash lines of credit, Visa Platinum/Rewards credit cards, Student Loans via ISL Education Lending, and comprehensive mortgage products (Fixed Rate, ARM, HELOC, Home Equity Loans, Construction/Land Loans). Business offerings include Business Checking, Savings, Card Payment Processing via Clover Go, and Business Loans. Supplementary services include TruStage Insurance, GAP, Route 66 Extended Warranty, Debt Protection, SavvyMoney credit monitoring, and Financial Calculators. The product portfolio integrates with third-party partners including Clover Go, SavvyMoney, ZixCorp, TruStage, ISL Education Lending, and Route 66 Extended Warranty.

Differentiator

Problem solved

Functional benefit

Products and services

• Unison CU Mobile App
• It's Me 247 Online Banking
• It's Me 247 Text Banking
• CU by Phone
• Easy Does It Checking
• Checking Plus
• Share Savings
• Empowering Kids Savings
• Empowering Teens Savings
• Health Savings Account (HSA)
• Money Market Account
• Term Share Certificates
• Roth IRA
• Traditional IRA
• IRA Certificates
• Ultimate IRA
• Self-Employed Pension Plan (SEP) IRA
• Education Savings Account (ESA)
• Vehicle Loans
• U Choose Loan
• QuickLend Home Improvement Loan
• Kwik Cash Line of Credit
• Visa Platinum Credit Card
• Visa Platinum Rewards Credit Card
• Student Loans (via ISL Education Lending)
• Fixed Rate Mortgage
• Adjustable Rate Mortgage (ARM)
• Home Equity Line of Credit (HELOC)
• Home Equity Loans
• Construction & Land Loans
• Business Checking
• Clover Go Card Payment Processing
• Business Loans
• TruStage Insurance Products
• Guaranteed Asset Protection (GAP)
• Route 66 Extended Vehicle Warranty
• Debt Protection

Quantifiable outcome

• 3.04% APY on youth savings accounts (Empowering Kids and Empowering Teens) for balances up to $1,000
• +4 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

Integration8 records

Feature5 records

Partnerships

Seven partnerships are on record, tiered core, major and supporting.

• ISL Education Lending (Iowa Student Loan Liquidity Corporation)coreStrategic or Co-development PartnerUnison partners with ISL Education Lending, a non-profit organization, to offer private student loans, parent/family loans (College Family Loan), and refinance loans (Reset Refinance Loan) to bridge gaps in college financing. No origination, prepayment, or late fees on ISL products. Loans are subject to credit approval and made by Iowa Student Loan Liquidity Corporation or Bank of Lake Mills.
• TruStage InsurancecoreGTM or Marketing PartnerTruStage Insurance, backed by over 80 years of credit union experience, provides insurance products to Unison members including life insurance, auto & home insurance, and accidental death & dismemberment (AD&D) coverage. TruStage also provides Debt Protection and GAP (Guaranteed Asset Protection) products on Unison loans. Unison is compensated by TruStage for referrals.
• Route 66 Extended WarrantycoreGTM or Marketing PartnerRoute 66 Extended Warranty is offered through Unison Credit Union to protect members from unexpected mechanical repair costs on vehicles. Coverage includes most makes and models, nationwide protection, zero deductible, 24/7 roadside assistance, and a mobile app for claim management.
• Federal Home Loan Bank of Chicago (FHLBank Chicago)majorStrategic or Co-development PartnerThrough the Community First Accelerate Grants for Small Business program, Unison Credit Union partners with FHLBank Chicago to provide grants of up to $30,000 to eligible small businesses in Wisconsin. Unison matches 10% of certain grants. Grant recipients include Pagoni's Pizza ($30,000), Exquisite Hair Designs ($25,000 grant + $2,500 match), and Daily Details Concierge ($25,000).
• Clover (Fiserv)coreTechnology or IntegrationUnison offers Clover Go card payment processing to business members, enabling credit and debit card acceptance via smartphone or tablet. Supports EMV chip cards, intuitive reporting, custom tip and tax rates, and email/text receipts.
• ZixCorp (Zix Corporation)supportingTechnology or IntegrationZixCorp powers Unison's Secure Message Center, a password-protected email portal for confidential member communications including financial statements, tax documents, and loan information. Available for both personal and business members.
• SavvyMoneycoreTechnology or IntegrationSavvyMoney provides free real-time credit score monitoring, personalized credit tips, and loan impact simulators integrated within Unison's online banking and mobile app. Free benefit for all Unison members.

Scale indicators6 records

Recent moves9 records

Expansion highlights6 records

Direct peers

• Fox Communities Credit Union: Fox Communities is a regional Wisconsin credit union with branches overlapping Northeast Wisconsin markets including the Fox Valley. Directly comparable to Unison in product mix (deposits, consumer loans, mortgages) and member-base composition (consumer + SMB).
• Community First Credit Union: Community First operates across Northeast and Central Wisconsin with similar consumer-banking, mortgage, and business-lending products. Unison's surcharge-free ATM network even includes Community First ATMs, indicating overlapping field of membership.
• Capital Credit Union: Capital Credit Union serves Green Bay and surrounding Northeast Wisconsin counties — directly overlapping Unison's footprint. Offers comparable consumer deposits, vehicle loans, mortgages, and business banking.
• Prospera Credit Union: Prospera Credit Union operates in Northeast and Central Wisconsin with a similar consumer/SMB focus. Direct overlap in service geography, particularly in Outagamie and Winnebago counties where Unison also operates.
• Verve Credit Union: Verve is a regional Wisconsin credit union offering full personal and business banking products. Operates in geographies overlapping Unison's and participates in the same surcharge-free ATM networks.
• CoVantage Credit Union: CoVantage Credit Union serves Northeast Wisconsin and Upper Michigan with similar deposit, lending, and mortgage products. Comparable in scale and member-ownership model to Unison.
• Evergreen Credit Union: Evergreen is a smaller Wisconsin community credit union with consumer lending and deposit focus. Comparable in asset scale, community-cooperative structure, and geographic concentration to Unison.
• PCM Credit Union: PCM is a Green Bay–based community credit union serving members across Northeast Wisconsin. Directly comparable in product set, scale, and member-ownership model, and shares Unison's surcharge-free ATM network.

Broad incumbents

• UW Credit Union: UW Credit Union is a much larger Wisconsin credit union ($4B+ assets) with broader geographic reach and a wider product portfolio. Operates as a broader incumbent in the same Wisconsin credit-union space as Unison.
• Connexus Credit Union: Connexus is one of the largest credit unions in Wisconsin with a national online deposit franchise. Represents a broader incumbent competitor — overlapping consumer/SMB products but operating at far greater scale and geographic reach than Unison.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• YouTubeyoutube.com/@utalkpodcast7835
• Facebookfacebook.com/UnisonCreditUnion
• LinkedInlinkedin.com/company/22333012/admin/dashboard

Revenue estimate

Valuation estimate

Number of profiles

Profiles2 records

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 Unison Credit Union