Blackhawk Community Credit Union

Community Bankingbhccu.org

Blackhawk Community Credit Union is a not-for-profit, member-owned cooperative financial institution founded in 1964, providing consumer and business banking across 13 counties in southern Wisconsin and northern Illinois via 9+ branches and a Banno-powered digital platform.

Company typePrivate
Founded1964
HeadquartersJanesville, United States
Headcount101–250
GTM typeB2B and B2C
OfferingServices

What Blackhawk Community Credit Union does

Blackhawk Community Credit Union is a not-for-profit, member-owned cooperative financial institution headquartered in Janesville, Wisconsin, founded in 1964 and operating across a 13-county service area spanning southern Wisconsin (Rock, Walworth, Green, Jefferson, Dane, Kenosha, Racine, Waukesha, Milwaukee counties) and northern Illinois (Winnebago, Boone, Lake, McHenry counties). It serves both individual and business members through 9+ physical branches, a call center, and a 24/7 digital banking platform built on the Banno framework with MeridianLink for loan origination, complemented by Zelle for peer-to-peer payments, Visa contactless debit/credit cards, Apple/Samsung/Google Pay wallets, and Autobooks and SmartPay Express for small-business invoicing and hosted payment acceptance. The product set spans consumer and commercial checking/savings accounts, share certificates, mortgages, auto and consumer loans, HELOCs, Visa credit cards (including the Local First card that routes a portion of spend to community nonprofits), wealth management, and identity protection via Norton LifeLock.

Blackhawk Community Credit Union firmographics

Firmographics

Name: Blackhawk Community Credit Union
Legal name: Blackhawk Community Credit Union
Website: https://bhccu.org
Company type: Private
Founded year: 1964
Operating status: Operating
Headcount range: 101–250 employees
Short description: Blackhawk Community Credit Union is a not-for-profit, member-owned cooperative financial institution founded in 1964, providing consumer and business banking across 13 counties in southern Wisconsin and northern Illinois via 9+ branches and a Banno-powered digital platform.
Ownership category
akta.pro rank

Blackhawk Community Credit Union industry classification

Industry

Product category: Community Banking
NAICS: Credit Unions (522130)
SIC: Savings Institution, Federally Chartered (6035)
akta.pro primary industry: Community Credit Unions (Retail/Consumer Focus) (FSABAEAA)
akta.pro secondary industry: Cooperative Banks (Member-Owned Commercial/Retail) (FSABAEAF)

Keywords

Retail banking services
Consumer lending
Commercial banking
Community credit union
Wealth management services

Where Blackhawk Community Credit Union is headquartered

Location

Headquarters

HQ city: Janesville
HQ country: United States
HQ region: North America

Offices9 records

Markets served

Blackhawk Community Credit Union business model

Business model

GTM type: B2B and B2C
Offering type: Services
Cost components: Personnel, Operations, Infrastructure, Technology or R&D, Marketing or Sales, Others

Revenue model

Interest Income from Loans: BHCCU generates primary revenue through interest earned on consumer and business loans including mortgages, auto loans, credit cards, HELOCs, and commercial loans. Rates vary by product type and creditworthiness.
Fee-Based Services: Revenue from various account and transaction fees including overdraft fees, ATM fees, wire transfer fees, and business service fees. Fee schedule available in Truth in Savings Disclosure.
Interchange Revenue: Transaction-based income from debit and credit card usage including Visa interchange fees on purchases and cash advances.

Pricing tiers

Model	Billing	Price
Subscription	Monthly	Premier Checking - Qualifications Met
Subscription	Annual	Share Certificates - Standard
Unit Pricing	Monthly	Consumer Auto Loans
Usage-based	Monthly	HELOC
Subscription	Pay-as-you-go	52 Week Challenge Savings

Go-to-market motion2 records

Distribution channels5 records

Marketing channels5 records

Blackhawk Community Credit Union product offering

Product offering

Core offering

Blackhawk Community Credit Union (BHCCU) is a member-owned, not-for-profit financial cooperative founded in 1964/1965 and headquartered in Janesville, Wisconsin. It provides personal banking (checking, savings, debit and credit cards, mortgage loans, consumer loans, wealth management) and business banking (business checking and savings, cash management, business and commercial lending) to members across a 13-county service area spanning Wisconsin and Illinois. The credit union operates 9+ branch locations and federally insured by the NCUA.

Product overview

Blackhawk Community Credit Union offers a comprehensive suite of financial products and services organized as a platform of integrated banking solutions. The core offering includes personal and business checking/savings accounts, credit cards (Visa Local First, Great Rate, REWARD$), mortgage loans, consumer loans, and Home Equity Lines of Credit. Digital banking serves as the central platform, integrating Zelle peer-to-pay, bill pay, member alerts, and Credit Center. Business banking features Cash Management tools including Remote Deposit Capture, Mobile Deposit, SmartPay Express, and Autobooks for invoicing. Additional services include wealth management, identity protection (Norton LifeLock), and over 40 financial planning calculators. The 52 Week Challenge savings account offers 5.00% APY as a unique product differentiator.

Differentiator

Problem solved

Functional benefit

Brands

Local First Credit Card: A Visa credit card that benefits a local nonprofit organization each year. The card features no annual fee, no balance transfer fee, and a low variable rate. Each year, a nonprofit is selected to receive donations based on card usage.
52 Week Challenge Savings Account
Premier Checking
Autobooks

Products and services

Personal Checking Accounts
Personal Savings Accounts
Debit and Credit Cards
Mortgage Loans
Consumer Loans
Wealth Management
Business Checking Accounts
Business Savings Accounts
Cash Management
Business and Commercial Lending
Digital Banking Platform
Autobooks Small Business Payments
Identity Theft Protection

Quantifiable outcome

Saved members $1.2 million through fraud prevention efforts
+2 more outcomes

Companies that use Blackhawk Community Credit Union

Customer profile

Named customers4 records

Segments4 records

Ideal customer profiles2 records

Blackhawk Community Credit Union technology and API

Technology

Technology focussed No

API detail

Has API: No
API docs
API detail

Core technology

AI maturity

App detail

Integration10 records

Feature4 records

Blackhawk Community Credit Union partnerships and signals

Strategic signal

Partnerships

Six partnerships are on record, tiered core.

NewtekonecoreChannel Partner/ Reseller/ DistributorNewtekone serves as BHCCU's merchant processing partner, providing payment processing services for business members to accept card transactions.
AutobookscoreTechnology or IntegrationIntegrated invoicing and payment collection platform for small business members enabling online invoices, credit/debit/ACH payments, and automated accounting directly through BHCCU online banking.
VisacoreTechnology or IntegrationVisa is the payment network for BHCCU's debit and credit cards, providing contactless tap-to-pay, zero liability protection, purchase alerts, and Click to Pay capabilities.
ZellecoreTechnology or IntegrationZelle integration enables members to send and receive money quickly and securely directly from their BHCCU accounts.
BannocoreTechnology or IntegrationDigital banking platform provider powering BHCCU's online and mobile banking experience with responsive design and comprehensive account management.
MeridianLinkcoreTechnology or IntegrationLoan application platform used for consumer and credit card applications, enabling online application submission and processing.

Scale indicators3 records

Recent moves6 records

Expansion highlights5 records

Blackhawk Community Credit Union competitors and assessment

Company assessment

Direct peers

UW Credit Union: UW Credit Union is a Madison, Wisconsin-headquartered community credit union serving members across Wisconsin with a similar multi-branch, full-service personal and business banking model directly comparable to BHCCU's footprint and product mix.
Educators Credit Union: Educators Credit Union is a Racine/Kenosha-area community credit union serving southeastern Wisconsin with overlapping branch geography and a very similar cooperative, member-owned banking offering to BHCCU.
Connexus Credit Union: Connexus Credit Union is a Wisconsin-based community credit union with comparable personal/business banking products, digital banking platform, and a multi-county Wisconsin service footprint similar to BHCCU.
Great Lakes Credit Union: Great Lakes Credit Union is an Illinois-headquartered community credit union serving northern Illinois counties, directly comparable to BHCCU's Illinois footprint, product suite, and member-owned cooperative structure.
CoVantage Credit Union: CoVantage Credit Union is a Wisconsin-based cooperative credit union operating in northern/central Wisconsin with a similar member-owned, full-service personal and business banking model overlapping with BHCCU's community-cooperative positioning.
Veridian Credit Union: Veridian Credit Union is a Waterloo, Iowa-based community credit union with a comparable Midwestern, member-owned cooperative structure and similar personal/business banking products to BHCCU.
Alliant Credit Union: Alliant Credit Union is a Chicago-based credit union serving members nationwide with comparable personal/business products including checking, savings, credit cards, and digital banking; offers a similar member-owned cooperative structure though with broader geographic reach than BHCCU.

Broad incumbents

Navy Federal Credit Union: Navy Federal Credit Union is the largest U.S. credit union, demonstrating the scale ceiling of the credit union model; relevant as a broad incumbent showing the federal-charter, NCUA-insured structure that BHCCU also operates under, but at vastly larger scale.
Ally Bank: Ally Bank is a large digital-first bank/competitor offering high-yield deposits, consumer loans, and credit cards nationwide; relevant as a broad incumbent representing the rate-and-convenience competitive threat BHCCU faces for deposits and consumer credit.

Others

NewtekOne: NewtekOne is BHCCU's merchant processing partner providing payment processing services to BHCCU's business members; relevant as an ecosystem enabler/partner rather than a direct competitor.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks5 records

Key highlights7 records

Customer concentration

Blackhawk Community Credit Union compliance and trust

Trust signal

Compliance3 records

Blackhawk Community Credit Union financial estimates

Financial estimate

Revenue estimate

Valuation estimate

Blackhawk Community Credit Union leadership team

Management profile

Number of profiles

Profiles8 records

Blackhawk Community Credit Union funding detail

Funding detail

Funding overview

Funding rounds

Investors

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

Blackhawk Community Credit Union M&A and investment

M&A and investment

M&A

Investments

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

Frequently asked questions about Blackhawk Community Credit Union

What does Blackhawk Community Credit Union do?

Is Blackhawk Community Credit Union a public or private company?

Blackhawk Community Credit Union is a private company. It is classified as nonprofit foundation owned and is currently operating.

When was Blackhawk Community Credit Union founded?

Blackhawk Community Credit Union was founded in 1964. It employs 101 to 250 people.

Where is Blackhawk Community Credit Union based?

Blackhawk Community Credit Union is headquartered in Janesville, United States, in the North America region.

How does Blackhawk Community Credit Union make money?

Three revenue lines are on record. Interest Income from Loans are the primary driver. The others are fee-Based Services and interchange Revenue.

Who are Blackhawk Community Credit Union's main competitors?

Direct peers on record are UW Credit Union, Educators Credit Union, Connexus Credit Union, Great Lakes Credit Union, CoVantage Credit Union, Veridian Credit Union and Alliant Credit Union. Broad incumbents are Navy Federal Credit Union and Ally Bank. NewtekOne is listed as an others.

Does Blackhawk Community Credit Union have an API?

No public API is recorded for Blackhawk Community Credit Union.

What industry is Blackhawk Community Credit Union in?

Blackhawk Community Credit Union's product category is Community Banking. Its primary akta.pro industry code is FSABAEAA, Community Credit Unions (Retail/Consumer Focus), with a secondary code of FSABAEAF, Cooperative Banks (Member-Owned Commercial/Retail). Its NAICS code is 522130 and its SIC code is 6035.