FDLCU

What FDLCU does

Fond du Lac Credit Union (FDLCU), doing business as FDLCU and formerly known as Fond du Lac City Employees Credit Union, is a not-for-profit, member-owned financial cooperative chartered in Wisconsin and founded in 1954. Operating from a single branch at 91 N. Pioneer Road in Fond du Lac, Wisconsin, FDLCU serves individuals and families who live or work in Fond du Lac and Dodge Counties. The credit union offers a comprehensive retail banking product set including deposit products (Regular Savings, Share Certificates, Money Management Account, Health Savings Accounts, Saver's Sweepstakes prize-linked savings, Christmas Club Accounts, Traditional and Roth IRAs), checking with Shazam-network debit cards and Brella Card Protection, Visa-branded personal credit cards with UChoose Rewards and Purchase Alerts, home loans (mortgages and home equity), consumer loans (auto, recreational vehicle, personal, Kwik Cash, and student loans), and insurance and protection products (TruStage, GAP, Mechanical Repair Coverage, and Debt Protection). The institution also provides free financial counseling, financial calculators, gift cards, and travel money cards, plus an annual scholarship program.

FDLCU's technology stack is standard retail digital banking: a browser-based online banking portal hosted at gbs.onlinecu.com/fdlcu, iOS and Android mobile banking apps supporting remote check deposit, bill pay, eStatements, and E-Alerts, plus third-party integrations with Savvy Money (credit score monitoring), Zelle, PayPal, Apple Pay, and AccessiBe (accessibility). Card processing is delivered through Shazam (debit) and Visa (credit) networks. Interest rates are independently certified by Datatrac.

The business model is that of a traditional community credit union: net interest income on the loan portfolio (mortgages, consumer, credit cards, home equity) net of interest paid on deposits is the primary revenue driver, supplemented by loan-related fees, deposit account fees, debit and credit card interchange, and commission income from TruStage insurance and protection product distribution. Pricing follows a not-for-profit cooperative model — earnings are returned to members via competitive rates certified by Datatrac, free or low-fee checking, and member benefits such as financial counseling. The go-to-market motion is community-led and direct-to-consumer: local sponsorships, youth programs, scholarships, and in-person branch relationships are the primary acquisition and retention channels, supplemented by phone-based lending specialists, online loan applications, and a quarterly email newsletter. President Scott Roesch leads the credit union under a volunteer Board of Directors (Chair Marty Schibbelhut, Vice Chair Amy Bayer, Secretary Amy Teifke, Director Michelle Schneider).

Name

FDLCU

Legal name

Fond du Lac Credit Union

Website

https://fdlcu.com

Company type

Private

Founded year

1954

Operating status

Operating

Headcount range

11–50 employees

Short description

Fond du Lac Credit Union (FDLCU) is a not-for-profit, member-owned community credit union founded in 1954, operating a single branch in Fond du Lac, Wisconsin, and serving individuals and families in Fond du Lac and Dodge Counties with retail banking, lending, and insurance products.

Ownership category

akta.pro rank

Product category

Community Credit Union / Consumer Banking

NAICS

Credit Unions (522130)

SIC

Savings Institutions, Not Federally Chartered (6036)

akta.pro primary industry

Mutual Savings Banks & Mutual Thrifts (FSABAEAD)

akta.pro secondary industry

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

Keywords

• Consumer banking services
• Credit union membership
• Mortgage lending
• Personal loan products
• Community savings accounts

Headquarters

HQ city

Fond Du Lac

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Net Interest Income: Primary revenue driver. The credit union earns interest income on its loan portfolio (mortgages, consumer loans, credit cards, home equity loans) and invests excess funds, offset by interest paid on deposits (checking, savings, share certificates, IRAs). As a not-for-profit cooperative, earnings are returned to members in the form of higher dividend rates and lower loan rates.
2. Loan-Related Fees: Fees associated with loan origination, late payments, payoff requests, and balance transfers on credit cards. Some fees apply to consumer lending activities.
3. Deposit Account Fees: Monthly service fees, overdraft fees, and ATM fees generate non-interest income. Some checking accounts may have minimum balance requirements.
4. Credit Card Fees: Interchange revenue from debit and credit card transactions processed through the Shazam and Visa networks. Also includes fees from card-related services.
5. Insurance and Protection Products: Commission revenue from offering TruStage insurance products, GAP coverage, Mechanical Repair Coverage (Mechanical Protection), and Debt Protection on consumer loans. These are voluntary member-purchased add-on products.

Pricing tiers

Go-to-market motion3 records

Distribution channels4 records

Marketing channels9 records

Core offering

Fond du Lac Credit Union is a not-for-profit, member-owned financial cooperative offering consumer banking products including savings and checking accounts, share certificates, IRAs, mortgages, home equity loans, auto/personal/student loans, Visa credit cards, Shazam-network debit cards, and insurance/protection products. All services are delivered through a single Fond du Lac, WI branch supplemented by mobile and online banking. Earnings are returned to members in the form of competitive dividend rates, lower loan rates, and reduced fees.

Product overview

Fond du Lac Credit Union (FDLCU) is a single-branch, member-owned not-for-profit financial institution offering a comprehensive suite of banking products and services. The core portfolio centers on deposit products (Savings Account, Share Certificates with Balance Builder option, Money Management Account, Health Savings Accounts, Saver's Sweepstakes prize-linked savings, and Christmas Club Accounts), checking services (Checking Account with free debit card, Shazam Debit Rewards, and optional Brella Card Protection), credit cards (Visa with UChoose Rewards, Visa Purchase Alerts, and Card Control), home lending (Mortgages and Home Equity Options), consumer lending (Auto Loans including recreational vehicles, Personal Loans, Kwik Cash Loans, and Student Loans), and retirement planning (Traditional and Roth IRAs with savings and certificate options). Digital banking is delivered through Online Banking and Mobile Banking apps (iOS/Android) with Bill Pay, E-Alerts, and Savvy Money credit score monitoring. Insurance and protection products include TruStage Insurance, GAP Coverage, Mechanical Repair Coverage, and Debt Protection (which paid 8 claims exceeding $14,000 in 2025). Additional offerings include Travel Money Cards, Gift Cards, free Financial Counseling, Financial Calculators, and annual FDLCU Scholarships for local students ($2,000 awarded). All products are offered through one branch location at 91 N. Pioneer Road, Fond du Lac, WI, with decisions made locally.

Differentiator

Problem solved

Functional benefit

Products and services

• Savings Account Basic share savings account serving as the foundation of credit union membership for individuals and families; earns a variable dividend rate with no monthly fees.
• Share Certificates Fixed-rate term deposits with terms from 180 days to 5 years; Balance Builder 1-Year Share Certificate available with a $100 minimum opening deposit and ability to add funds up to $500 total balance during the term.
• Money Management Account
• Health Savings Accounts (HSA)
• Saver's Sweepstakes Prize-linked savings account where member deposits earn chances to win cash prizes based on savings balance, without risking principal.
• Christmas Club Accounts
• Checking Account
• Debit Cards
• Personal Credit Cards
• Mortgages
• Home Equity Options
• Auto Loans
• Personal Loans
• Kwik Cash Loans
• Student Loans
• Online Banking
• Mobile Banking App
• Bill Pay
• E-Alerts
• Individual Retirement Account (IRA)
• Financial Counseling
• Financial Calculators
• Travel Money Cards Prepaid travel cards providing a safer alternative to carrying cash, credit cards, or debit cards when traveling domestically or internationally.
• Gift Cards

Quantifiable outcome

• Over 400 affordable loans funded in 2025
• +3 more outcomes

Named customers2 records

Segments1 record

Ideal customer profiles1 record

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration9 records

Feature4 records

Partnerships

Four partnerships are on record, tiered core and minor.

• ShazamcoreTechnology or IntegrationShazam is the debit card network that processes FDLCU debit card transactions. The credit union also participates in Shazam debit rewards programs. Effective April 22, 2026, FDLCU updated fraud alert text messages to display as 'FDLCU Debit FraudAlert' for better member recognition.
• VisacoreTechnology or IntegrationVisa is the payment network for FDLCU's personal credit cards. FDLCU offers Visa Purchase Alerts as a fraud prevention tool on Visa-branded cards.
• TruStage InsurancecoreChannel Partner/ Reseller/ DistributorTruStage provides insurance products (life and health insurance) offered to FDLCU members as an add-on to their banking relationship. FDLCU earns commission revenue by offering TruStage products to its member base.
• Solutions Center, Shelter & Support Services, Inc.minorOthersFDLCU hosts a 'Baskets of Hope' supply drive collecting household essentials for Solutions Center, which distributes donations to families moving out of shelter into new homes. Donations collected in FDLCU lobby through December 17th annually.

Scale indicators6 records

Recent moves7 records

Expansion highlights6 records

Direct peers

• Connexus Credit Union: Wausau, WI-headquartered credit union serving members across Wisconsin and beyond with deposits, mortgages, and consumer lending. Comparable in cooperative structure, though materially larger in asset base.
• Community First Credit Union: Appleton, WI-based community credit union offering a full suite of consumer and mortgage products to Wisconsin residents. Comparable in single-region focus, member-owned model, and breadth of deposit/loan offerings.
• Summit Credit Union: Wisconsin-based member-owned credit union offering consumer banking, mortgages, and business services. Overlapping product set and member demographic with FDLCU despite a different geographic anchor.
• CoVantage Credit Union: Wisconsin-headquartered community credit union serving similar member segments with checking, savings, mortgages, and consumer loans. Closely comparable in cooperative structure and Wisconsin community-banking focus.
• Landmark Credit Union: Wisconsin-headquartered community credit union providing checking, savings, mortgages, and consumer loans to local members. Similar member-owned model and Wisconsin footprint, though larger scale.
• UW Credit Union: Madison, WI-based credit union serving community members across the state with banking, lending, and insurance products. Most directly comparable in Wisconsin-based cooperative focus and full-service offerings.
• Marine Credit Union: Wisconsin-based community credit union with comparable retail deposit and consumer lending products, serving members across the state. Overlaps with FDLCU on cooperative structure and consumer banking focus.
• Capital Credit Union: Wisconsin community credit union (Green Bay/Appleton) with a comparable product set including savings, checking, mortgages, and consumer loans. Similar not-for-profit, member-focused positioning in nearby Wisconsin markets.

Broad incumbents

• Navy Federal Credit Union: Largest U.S. credit union serving a defined membership group with a comprehensive product suite across deposits, lending, cards, and digital banking. Provides a broader incumbent reference point for the credit-union business model FDLCU operates within.

Others

• CUNA Mutual Group: Wisconsin-based financial services company that provides insurance, lending, and technology solutions to credit unions nationwide. Indirectly comparable as a key ecosystem partner supporting credit unions like FDLCU (TruStage is a CUNA Mutual affiliate).

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• Xx.com/fdlcu
• YouTubeyoutube.com/@fonddulaccreditunion7299
• Facebookfacebook.com/fdlcu
• LinkedInlinkedin.com/company/fdlcu
• Instagraminstagram.com/fdlcu

Compliance5 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles5 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 FDLCU