Capital Credit Union

What Capital Credit Union does

Capital Credit Union is a not-for-profit, member-owned financial cooperative chartered in Wisconsin and headquartered in Green Bay, serving residents, workers, and businesses across 18 Northeastern Wisconsin counties plus select employee groups (including Goodwill of North Central Wisconsin). Founded in 1934 as Kimberly Credit Union for Kimberly-Clark employees, the institution was rebranded to Capital Credit Union in 1996 and merged with Pioneer Credit Union in 2014, growing to 25 branches and 128,000+ members with total assets of approximately $2.80B as of May 31, 2026.

The core product set spans consumer checking, savings, money market, certificates, HSAs, and youth accounts; vehicle, home, personal, and student loans; and credit cards issued through Elan Financial Services. Business banking includes checking, deposits, loans, business credit cards, and treasury management, while adjacent services are delivered through Capital Investment Group (wealth/retirement advisory), Trustage personal lines insurance, and a Greenlight youth debit-card partnership. Distribution combines 25 physical branches, a 4.8-star-rated iOS/Android mobile app, web banking, Alliance One ATM access, and a contact center.

Revenue is generated primarily through net interest margin on a $2.32B net loan portfolio (vehicle, mortgage, consumer) funded by $2.42B in member deposits and shares, supplemented by $11.1M in non-interest fee income. For the fiscal year ending May 31, 2026, net interest margin was $38.1M and net earnings were $11.0M. Technology infrastructure is a vendor-supported digital banking platform with SSL encryption, multifactor authentication, MyCards card controls, Fraud Watch monitoring, and SavvyMoney/TransUnion credit score integration; there is no disclosed proprietary AI/ML capability. Growth is driven by branch expansion, community programming (Elevate Communities grants to first responders, Tom Young scholarships, $634K donated to 192 organizations in 2025), and deepening of product relationships within the existing membership base.

Name

Capital Credit Union

Legal name

Capital Credit Union

Website

https://capitalcu.com

Company type

Private

Founded year

1934

Operating status

Operating

Headcount range

101–250 employees

Short description

Capital Credit Union is a Wisconsin-chartered, not-for-profit credit union serving 128,000+ members across 18 Northeast Wisconsin counties via 25 branches, a mobile app, and a full suite of consumer, business, lending, and wealth services.

Ownership category

akta.pro rank

Product category

Retail Banking

NAICS

Credit Unions (52213), Credit Unions (522130)

SIC

Functions Related To Depository Banking, Nec (6099)

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
• Deposit accounts
• Mortgage lending
• Credit union services

Headquarters

HQ city

Green Bay

HQ country

United States

HQ region

North America

Offices26 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Net Loans: Interest income generated from loan portfolio including vehicle loans, home loans, personal loans, and credit cards. Net loans total $2,322,620,680 with interest income of $55,240,269.
2. Investment Income: Interest income from investment portfolio. Investments total $334,270,775 with interest income of $10,770,643.
3. Deposits and Shares: Members deposits and shares total $2,415,243,438. Interest expense on deposits is $27,882,000, generating net interest margin of $38,128,912.
4. Non-Interest Income: Fee-based income including account fees, transaction fees, and other service charges totaling $11,148,130.

Go-to-market motion1 record

Distribution channels5 records

Marketing channels7 records

Core offering

Capital Credit Union is a not-for-profit, member-owned financial cooperative that provides retail banking products and consumer lending services to members across Northeast Wisconsin. Its core offerings include checking accounts, savings and money market accounts, certificates, vehicle loans, home mortgages, personal loans, student loans, credit cards, and business banking services, delivered through 25 branch locations and a digital banking mobile/web platform.

Product overview

Capital Credit Union offers a comprehensive suite of financial products and services through a network of 25 branches across Northeast Wisconsin. The core offerings include Digital Banking (online and mobile platform), checking and savings accounts, vehicle loans, home mortgages, personal loans, student loans, and credit cards. The institution also provides business banking services, investment management through Capital Investment Group, insurance products via Trustage, and youth banking through the Greenlight partnership. Additional community-focused programs include the Elevate Communities grant program for first responders and the Tom Young Educational Scholarship. The company emphasizes community involvement, financial education, and member-focused service as a not-for-profit credit union serving over 128,000 members since 1934.

Differentiator

Problem solved

Functional benefit

Brands

• Capital Investment Group: Investment services including retirement planning, wealth management, and financial advisory services
• Elevate Communities
• Greenlight

Products and services

• Checking Accounts Various checking account options including ChaChing Checking, providing everyday banking features for individual members.
• Savings Accounts Savings products including regular Savings, SavingsPlus Account, Money Market, and Certificates for various saving goals and terms.
• Vehicle Loans Auto financing for purchasing new and used vehicles with competitive rates for members.
• Home Loans Mortgage and home lending products including purchase loans, refinancing, and home equity options for purchasing or refinancing homes.
• Personal Loans Unsecured personal loans for various needs including debt consolidation, home improvements, and unexpected expenses.
• Student Loans Education financing options for members pursuing higher education or refinancing existing student debt.
• Credit Cards Credit card products issued through Elan Financial Services, including Personal Mastercard, American Express, and Business Mastercard options.
• Business Services Comprehensive business banking including business checking, savings, loans, credit cards, and treasury management services for business members.
• Capital Investment Group Investment and wealth management services including financial planning, retirement accounts, and investment advisory services.
• Trustage Insurance Personal lines insurance products offered through Trustage for auto, home, and other insurance needs.
• HSAs Health Savings Accounts for individuals with high-deductible health plans, offering tax-advantaged savings for medical expenses.
• Youth Accounts Banking accounts designed for children and teenagers to teach financial literacy from an early age.
• Digital Banking Online and mobile banking platform for managing accounts, performing transactions, monitoring credit scores, setting alerts, and controlling debit cards through the MyCards feature.
• Mobile App Mobile banking application available on iOS and Android devices, rated 4.8 stars, allowing users to monitor accounts, perform transactions, control finances, manage debit cards, and set up alerts.
• Greenlight Debit Card and App Debit card and banking app for kids and teens with parental guidance features, spending controls, savings goals, and financial literacy games. FDIC-insured up to $250,000 through Greenlight.

Quantifiable outcome

• 128,000+ members served
• +4 more outcomes

Named customers8 records

Segments5 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration2 records

Feature4 records

Partnerships

14 partnerships are on record, tiered core and minor.

• Chapman Foundation for Caring CommunitiescoreStrategic or Co-development PartnerCapital Credit Union is a partner organization implementing the Caring Workplace program, a structured evidence-informed framework designed to help community-serving organizations build healthier workplace cultures. The program focuses on human-centered leadership practices and has achieved measurable outcomes including 4.69 out of 5 employee rating for caring workplace experience.
• United Way (Brown County United Way & United Way Fox Cities)coreStrategic or Co-development PartnerMajor community partners supporting local initiatives. CCU participates in device distribution events and provides financial literacy resources. United Way supports digital divide initiatives through Techquity Wisconsin program.
• Greater Green Bay YMCA & YMCA of the Fox CitiesminorGTM or Marketing PartnerCommunity partner offering CCU members 5% discount and joiner fee waived at Green Bay YMCA locations.
• Community Foundation for the Fox Valley RegionminorStrategic or Co-development PartnerCommunity foundation partner supporting regional charitable initiatives and community development.
• UW-Green BaycoreStrategic or Co-development PartnerPartnership championing financial literacy in area schools through Reality Store program at Kimberly High School and UW-Green Bay co-sponsored events. CEO Laurie Butz serves as alumna and keynote speaker at Business events.
• Wisconsin Timber RattlersminorGTM or Marketing PartnerBaseball team partnership offering CCU members $2 off bleacher and box seats using promo code CAPITAL26. Partnership includes Local Heroes Softball Game events.
• Green Bay RockersminorGTM or Marketing PartnerBaseball team partnership offering $5 off outfield box seats using promo code CAPITAL. Partnership includes community events like Dodgeball Day.
• Greenlight (Intuit)coreTechnology or IntegrationGreenlight debit card and banking app partnership providing financial tools for kids and teens. The FDIC-insured card (up to $250,000) includes parental controls, spending limits, savings goals, and financial literacy games. CCU members receive access to this youth financial education tool.
• Brown County United WaycoreStrategic or Co-development PartnerCommunity partner in Techquity Wisconsin initiative bridging digital divide with laptops, navigators, and technical resources for eligible residents.
• H&R BlockminorGTM or Marketing PartnerTax preparation partner offering CCU members savings of up to $25 on in-office tax prep services.
• TurboTax (Intuit)minorGTM or Marketing PartnerTax software partner offering CCU members 20% discount on TurboTax federal products.
• Milwaukee County ZoominorGTM or Marketing PartnerMember discount partner offering discounted zoo tickets ($13.25 adult, $10.25 child ages 3-12) valid year-round.
• Noah's Ark Water ParkminorGTM or Marketing PartnerMember discount partner offering discounted tickets at $34.99 using promo code CapitalCU.
• Run Away ShoesminorGTM or Marketing PartnerRace and footwear partner offering $5 off race registration or 10% off footwear using code CCUMEMBER.

Scale indicators9 records

Recent moves9 records

Expansion highlights6 records

Direct peers

• UW Credit Union: Wisconsin-based credit union with similar consumer banking, mortgage, and member-focused products. Comparable in asset size range and community credit union operating model with overlapping Wisconsin footprint.
• Community First Credit Union: Wisconsin-headquartered community credit union offering similar consumer and business banking products. Directly comparable in charter type, geographic focus (Northeast Wisconsin overlap), and member-owned cooperative model.
• Fox Communities Credit Union: Wisconsin-based community credit union headquartered in Appleton, serving the Fox Valley region with overlapping branch territory and similar consumer banking product mix. Highly comparable due to geographic proximity and member demographics.
• Connexus Credit Union: Wisconsin-headquartered credit union with multi-state membership offering similar deposit, loan, and digital banking products. Comparable in scale, cooperative structure, and community credit union positioning.
• Veridian Credit Union: Mid-sized community credit union offering consumer loans, mortgages, and digital banking. Comparable in member-owned structure, Wisconsin-adjacent operations, and product breadth across deposit and loan categories.

Broad incumbents

• Nicolet National Bank: Wisconsin-based regional bank with significant Northeast Wisconsin presence, including Green Bay. Comparable as a community-focused deposit-taker and lender, but operates as a for-profit commercial bank rather than cooperative.
• Associated Bank: Large regional bank headquartered in Green Bay with statewide Wisconsin presence. Comparable as a deposit-gathering and consumer lending competitor in the same geography, though much larger and publicly traded.
• IncredibleBank: Wisconsin-based community bank offering consumer and business banking products with statewide presence. Comparable as a regional Wisconsin depository institution competing for similar consumer and small business customers.
• BMO Harris Bank: Large national bank with deep Wisconsin presence including the former M&I franchise. Competes for deposits, mortgages, and consumer loans across the same Northeast Wisconsin market as a much larger incumbent.

Emerging players

• Greenlight (Intuit): Digital youth banking platform partnered with Capital CU. Comparable as a fintech offering youth-focused banking with parental controls, representing the digital-native competitive model Capital CU partners with rather than builds in-house.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks5 records

Key highlights7 records

Customer concentration

• Facebookfacebook.com/capitalcu
• LinkedInlinkedin.com/company/capital-credit-union---doing-the-right-thing
• Instagraminstagram.com/capital_cu
• Xx.com/CapitalCU

Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles4 records

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 Capital Credit Union