UnitedOne Credit Union

What UnitedOne Credit Union does

UnitedOne Credit Union is a federally chartered, member-owned financial cooperative founded in 1938, headquartered at 1117 South 10th Street in Manitowoc, Wisconsin, with additional branches in Sheboygan. The institution serves consumers, homeowners, students, youth, and small to mid-sized businesses across four Wisconsin counties — Manitowoc, Sheboygan, Kewaunee, and Door — and is federally insured by the NCUA (NMLS Consumer Access #439833). Its product suite spans savings accounts, share certificates, multiple checking tiers, Visa debit cards, vehicle and recreational loans, mortgages and home equity products, personal and student loans, credit cards issued through Elan Financial Services, and business treasury management including merchant card services.

The credit union operates a hybrid physical-digital distribution model: five branch locations complemented by 24/7 Personal Teller Machines (PTMs), digital and mobile banking, phone/text banking, and an AI-powered virtual assistant ("Ask Ollie"). Technology integrations include Mantl for online account opening, mobile wallet support (Apple Pay, Google Pay, Samsung Pay) on its Visa debit card, and partner-delivered services covering LPL Financial (Retirement & Investment Services and Guided Wealth Portfolios), TruStage (auto and life insurance), and GreenPath (financial wellness and credit counseling).

UnitedOne generates revenue primarily through net interest income on its lending portfolio (auto, mortgage, home equity, personal, business) and deposit products, supplemented by transaction fees, merchant card services, and referral/commission income from investment, insurance, and credit card partners. As a not-for-profit cooperative, earnings are reinvested into member rates and lower fees rather than distributed to shareholders. The institution reinforces member acquisition and retention through longstanding community programs, including school branches inside the Manitowoc Public School District since 1996, workplace recognition (2025 Best Credit Union to Work For, Family Friendly Workplace), and community reinvestment ($86,000+ donated to 50+ organizations and 1,530+ volunteer hours in 2025).

Name

UnitedOne Credit Union

Legal name

UnitedOne Credit Union

Website

https://unitedone.org

Company type

Private

Founded year

1938

Operating status

Operating

Headcount range

51–100 employees

Short description

UnitedOne Credit Union is a member-owned, federally insured financial cooperative founded in 1938, serving consumers, youth, and small businesses across four Wisconsin counties with deposits, consumer and mortgage lending, business banking, and partner-delivered investment and insurance services.

Ownership category

akta.pro rank

Product category

Retail Banking

NAICS

Credit Unions (52213), Depository Credit Intermediation (5221), Credit Intermediation and Related Activities (522)

SIC

Functions Related To Depository Banking, Nec (6099), Personal Credit Institutions (6141)

akta.pro primary industry

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

akta.pro secondary industries

Cooperative Banks (Member-Owned Commercial/Retail) (FSABAEAF), Bank & Credit Union Personal Loans (Unsecured Installment) (FSAKAAAL)

Keywords

• Retail banking services
• Consumer lending
• Mortgage lending
• Credit union services
• Financial wellness

Headquarters

HQ city

Manitowoc

HQ country

United States

HQ region

North America

Offices5 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Interest Income from Lending: As a credit union, UnitedOne generates primary revenue through interest earned on loans including auto loans, mortgages, home equity products, personal loans, and business loans. Loan products include vehicle loans (starting at 4.49% APR for new/used autos), mortgages, home equity lines of credit, and personal credit lines.
2. Deposit Account Fees and Services: Revenue from checking account services, savings accounts, share certificates, and money market accounts. Includes fee income from services such as overdraft protection, wire transfers, and account maintenance.
3. Investment and Insurance Products: Through partnerships with LPL Financial for retirement and investment services (Guided Wealth Portfolio), and TruStage for insurance products, generating referral and commission revenue.
4. Business Treasury Services: Fees from business checking, money market accounts, merchant card services, and business digital banking services.

Pricing tiers

Go-to-market motion2 records

Distribution channels7 records

Marketing channels5 records

Core offering

UnitedOne Credit Union is a member-owned financial cooperative offering retail banking, deposit, lending, business banking, investment, and insurance products to individuals, families, students, and small businesses across Wisconsin. Its portfolio includes savings and checking accounts, share certificates, auto and recreational loans, mortgages and home equity products, personal and student loans, credit cards, business treasury and merchant services, retirement and investment offerings, and TruStage insurance products. The institution is federally insured by the NCUA and serves members through physical branches, school-based locations, PTMs, digital banking, and a mobile app.

Product overview

UnitedOne Credit Union offers a comprehensive suite of financial products and services delivered through both physical branch locations in Manitowoc and Sheboygan, Wisconsin, and digital banking channels. The core banking platform includes Savings Accounts (including Saver's Sweepstakes and Rewards Savings), Share Certificates, Checking Accounts (Basic, High Yield, Cash Back, Payback Rewards), Visa Debit Cards, and Digital Banking with mobile app access. The loan portfolio encompasses Auto Loans, Recreational Loans, Mortgages, Home Equity Lines of Credit, Home Equity Loans, Personal Loans, Student Loans, and Business Loans. Credit card services are provided through an Elan Financial Services partnership. Business banking includes Treasury Management (Business Savings, Checking, Money Market, Digital Banking, Merchant Card Services) and Business Credit Cards. Additional services include Retirement & Investment Services (offered through LPL Financial), insurance products through TruStage and GreenPath partnerships, and a virtual assistant called Ask Ollie for member support.

Differentiator

Problem solved

Functional benefit

Products and services

• Savings Accounts Savings account products including Saver's Sweepstakes and Rewards Savings options that allow members to deposit funds and earn returns. Targeted at credit union members in the Wisconsin service area.
• Share Certificates Term deposit accounts with fixed rates and defined terms that give members guaranteed returns on saved funds. APY reaches as high as 4.10% on qualifying terms.
• Checking Accounts Multiple checking account options including Basic Checking, High Yield Checking, Cash Back Checking, and Payback Rewards Checking, each with distinct benefit structures (such as 5% cash back on debit purchases or 5.00% APY interest bearing option for qualified accounts). Designed for members' everyday banking needs.
• Visa Debit Card Debit card that enables point-of-sale transactions, ATM cash access, and mobile wallet integration with Apple Pay, Google Pay, and Samsung Pay. Issued to UnitedOne Credit Union members with checking accounts.
• Mobile Wallet Digital payment integration that allows members to add their UnitedOne Visa Debit Card to Apple Pay, Google Pay, or Samsung Pay for contactless in-store and in-app payments.
• Digital Banking Online banking platform providing members with 24/7 account access, person-to-person payments, bill pay, and account alerts via web browser.
• Mobile App Native mobile application that enables members to access accounts, perform mobile deposits, view transactions, and conduct banking on iOS and Android smartphones and tablets.
• Ask Ollie Virtual Assistant AI-powered virtual assistant chatbot that provides members with self-service support, answers questions about products and services, and assists with account inquiries.
• Vehicle Loans Auto loans for purchasing cars, trucks, ATVs, and other vehicles with competitive APRs starting at 4.49% for qualified buyers on 60-month terms. Available to credit union members.
• Recreational Loans Financing options for recreational vehicles including boats, RVs, and other leisure equipment, available to qualifying members.
• Mortgages & Home Equity Home loan products including purchase mortgages, refinance options, construction loans, home equity lines of credit (HELOC), and home equity loans. Includes a dedicated Local Home Loan Experts team and mortgage rate offerings of 6.375% APR on 30-year fixed and 5.625% APR on 10-year fixed home equity loans.
• Personal Loans & Lines of Credit Unsecured personal loans and personal lines of credit used for debt consolidation, home improvements, and unexpected expenses. APR as low as 9.99% on 24-month terms for qualified borrowers. Available to credit union members.
• Student Loans Education financing options for members pursuing higher education or refinancing existing student debt, supporting student borrowing and family financial planning.
• Credit Cards Consumer credit card products issued through Elan Financial Services, providing revolving credit with various rewards and benefits programs for UnitedOne members.
• Business Savings & Checking Business deposit accounts, including savings, checking, and money market options, with accompanying digital banking access. Targeted at small to mid-sized businesses in the service area, including new Business Cash Back and High Yield accounts.
• Business Digital Banking Online and mobile banking services tailored for business members to manage accounts, process payments, and monitor cash flow in real time.
• Merchant Card Services Payment processing services that enable businesses to accept credit and debit card transactions from customers at point of sale.
• Business Loans Commercial lending products including term loans and lines of credit used by businesses for growth financing, working capital, and operational needs. Available to qualifying local businesses.
• Business Credit Card Credit card product designed for business expenses, providing rewards and expense management features to qualifying business members.
• Retirement & Investment Services Investment and retirement planning services provided through the LPL Financial partnership under UnitedOne Retirement & Investment Services, including Guided Wealth Portfolios. Securities and advisory offerings are delivered via registered representatives at Manitowoc and Sheboygan locations.
• Guided Wealth Portfolios Digital investment management service providing automated, diversified portfolios for retirement and long-term investing goals, delivered through the LPL Financial partnership.
• Auto & Life Insurance Insurance products offered through the TruStage partnership, providing auto insurance and life insurance coverage options to members for protecting vehicles and family financial security.
• GreenPath Financial Wellness Financial wellness resources including credit counseling, financial education workshops, and the Credit Builder Program, delivered to UnitedOne members through the GreenPath partnership.
• 24/7 Personal Teller Machine (PTM) Automated teller machines providing 24-hour access to cash withdrawals, deposits, transfers, and account inquiries at UnitedOne branch locations and nearby walk-up sites.

Quantifiable outcome

• Donated over $86,000 to 50+ community organizations in 2025
• +1 more outcomes

Named customers3 records

Segments5 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration3 records

Feature4 records

Partnerships

Nine partnerships are on record, tiered core and peripheral.

• GreenPath Financial WellnesscoreStrategic or Co-development PartnerGreenPath provides financial wellness services, credit counseling, financial education workshops, and credit builder programs to UnitedOne members. The partnership offers members access to counseling, debt management, and housing counseling services.
• TruStage InsurancecoreChannel Partner/ Reseller/ DistributorTruStage provides auto and life insurance products marketed through UnitedOne Credit Union to protect members' financial assets including vehicles and life insurance needs.
• LPL FinancialcoreChannel Partner/ Reseller/ DistributorLPL Financial provides securities and advisory services through UnitedOne Retirement & Investment Services (RIS). Registered representatives offer investment and retirement planning products using the UnitedOne brand at Manitowoc and Sheboygan locations.
• Apple PayperipheralTechnology or IntegrationMobile wallet integration enabling contactless Visa Debit Card payments through Apple devices.
• Google PayperipheralTechnology or IntegrationMobile wallet integration enabling contactless Visa Debit Card payments through Android devices.
• Samsung PayperipheralTechnology or IntegrationMobile wallet integration enabling contactless Visa Debit Card payments through Samsung devices.
• VisacoreTechnology or IntegrationVisa Debit Card issuance providing members with global payment network access and mobile wallet compatibility.
• MantlperipheralTechnology or IntegrationMantl provides the account opening platform powering UnitedOne's online account opening experience at open.unitedone.org.
• Manitowoc Public School DistrictcoreStrategic or Co-development PartnerSchool branch partnership dating back to 1996, with UnitedOne maintaining branches within schools to provide financial education and student banking services.

Scale indicators5 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• UW Credit Union: Larger Wisconsin credit union with a community and employer-based membership model, offering comparable retail, mortgage, business, and digital banking services across the state.
• Green Bay Credit Union: Northeast Wisconsin community credit union serving members in the Green Bay metro with deposit, lending, and digital banking services that overlap directly with UnitedOne's footprint and product set.
• Summit Credit Union: Wisconsin-based member-owned credit union providing consumer and business banking, lending, and digital channels; serves as a useful comparable for community credit union operating models.
• Community First Credit Union: Appleton-based Wisconsin community credit union serving consumers and businesses with a similar suite of deposit, lending, and digital banking products as UnitedOne.
• Premier Financial Credit Union: Wisconsin-based member-owned credit union of similar size, operating community branches and digital channels with comparable consumer and business banking services.
• CoVantage Credit Union: Member-owned Wisconsin credit union offering consumer and business banking, lending, and investment services across multiple Wisconsin counties, closely mirroring UnitedOne's geographic and product positioning.
• Marine Credit Union: Wisconsin-headquartered community credit union with a multi-county service area, providing consumer and business banking, mortgages, and wealth services comparable to UnitedOne's offering.
• Fox Communities Credit Union: Wisconsin-based community credit union serving the Fox Valley region with comparable retail banking, lending, and member-owned cooperative model, making it a close comparable to UnitedOne in size, product mix, and community focus.

Broad incumbents

• Bank First Corporation: Wisconsin community bank with branches across eastern Wisconsin, offering consumer, mortgage, and business banking that overlaps with UnitedOne's product set and target customers.
• North Shore Bank: Wisconsin community bank operating across northeastern Wisconsin with consumer and business banking, mortgage, and digital services, competing with UnitedOne for the same household and small business relationships.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks5 records

Key highlights6 records

Customer concentration

• Xx.com/unitedonecu
• YouTubeyoutube.com/channel/UCVXiJGjpdSqoSDSw_uhtX2g
• Facebookfacebook.com/UnitedOneCU
• LinkedInlinkedin.com/company/unitedone-credit-union
• Instagraminstagram.com/unitedonecu

Compliance4 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles6 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 UnitedOne Credit Union