PCM Credit Union

Name

PCM Credit Union

Legal name

PCM Credit Union

Website

https://pcmcu.org

Company type

Private

Founded year

1958

Operating status

Operating

Headcount range

11–50 employees

Ownership category

akta.pro rank

Product category

Community Credit Union / Retail Banking

NAICS

Credit Unions (522130), Depository Credit Intermediation (5221), Credit Card Issuing (52221)

SIC

Savings Institution, Federally Chartered (6035)

akta.pro primary industry

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

akta.pro secondary industries

Bank & Credit Union Personal Loans (Unsecured Installment) (FSAKAAAL), General Purpose Credit Cards (FSAKABAA)

Keywords

• Retail banking services
• Consumer lending
• Mortgage loans
• Credit union services
• Digital banking

Headquarters

HQ city

Green Bay

HQ country

United States

HQ region

North America

Offices4 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: Primary revenue stream from interest charged on loans including vehicle loans, mortgages, home equity loans, personal loans, and credit cards
2. Deposit Interest paid to Members: Share savings, certificates, and checking accounts where interest/dividends are paid to member-owners
3. Overdraft and Courtesy Pay Fees: $3.00 Overdraft Transfer Protection fee, $8.00 Courtesy Pay fee per overdraft
4. ATM Transaction Fees: $1 fee for non-PCMCU ATM withdrawals after 6 free withdrawals per month
5. Safe Deposit Box Rental: Annual rental fees ranging from $20-$50 depending on box size
6. Gift Card Sales: $3.00 purchase fee per Mastercard gift card, $5.00 lost/stolen replacement fee

Pricing tiers

Go-to-market motion2 records

Distribution channels5 records

Marketing channels5 records

Core offering

PCM Credit Union is a member-owned financial cooperative chartered in 1958 that provides deposit accounts (checking, savings, share certificates, teen checking), consumer loans (vehicle, mortgage, home equity, personal, credit cards, student loans), and digital banking services (online and mobile banking, bill pay, Zelle, mobile deposit) to individuals who live or work in six Wisconsin counties. It also distributes insurance products through a partnership with TruStage and financial wellness services through GreenPath.

Product overview

PCM Credit Union operates as a full-service financial cooperative offering a comprehensive suite of banking products and digital services. The core product portfolio includes deposit accounts (checking, savings, certificates, teen checking), loan products (vehicle, mortgage, home equity, personal, credit cards, student loans), and insurance services. Digital banking is delivered through online banking, mobile banking (PCMCU Mobile app), and integrated services including Bill Pay, Card Management, Zelle P2P payments, and digital wallet support (Apple Pay, Google Wallet, Samsung Wallet). Supplementary services include financial planning through Courts Financial Strategies, TruStage insurance products, GreenPath financial wellness education, and specialized savings programs like FirstHome Savings and Dream.Save.Win!. The credit union serves members across six Wisconsin counties through three branch locations and 24/7 digital banking channels.

Differentiator

Problem solved

Functional benefit

Products and services

• Checking & Debit Cards No-minimum-balance checking accounts paired with Mastercard debit cards for everyday transactions, Point of Sale purchases, ATM withdrawals, and Round Up savings.
• Savings Accounts Multiple savings account types including Regular Share, Super Share, Top Ten Shares, Reward Savings, Holiday Club, and prize-linked Dream.Save.Win! offerings for individual members.
• Share Certificates Fixed-rate certificate accounts with terms from 3 to 60 months and $500 minimum deposit, including Roth and Traditional IRA certificate options.
• Teen Checking Checking account designed for teens ages 13-17 with joint parent/guardian access, a debit card, parental controls, and educational resources for financial literacy.
• FirstHome Savings Special savings program for first-time homebuyers requiring $250 minimum deposit and $100 monthly deposits, offering up to $2,500 cash bonus at closing.
• Vehicle & Recreational Loans Financing for cars, trucks, SUVs, ATVs, motorcycles, campers, RVs, and other recreational vehicles, with rates determined by credit score and collateral value.
• Mortgage Loans

Named customers4 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

Feature4 records

Partnerships

Seven partnerships are on record, tiered core and minor.

• GreenPath Financial WellnesscoreStrategic or Co-development PartnerNon-profit financial wellness partner providing free one-on-one counseling, debt management, budgeting tools, and educational courses including Housing 101 for first-time homebuyers. GreenPath offers NFCC-certified counselors and resources to help members with financial stress, debt repayment, and credit improvement.
• ISL Education LendingcoreGTM or Marketing PartnerStudent loan partnership offering Partnership Loans for undergraduate/graduate students, College Family Loans for parents, and Reset Refinance Loans. No origination or late fees on any loans. PCM Credit Union receives compensation for referrals.
• TruStage InsurancecoreGTM or Marketing PartnerInsurance partner offering Life, Auto & Home, and Accidental Death & Dismemberment coverage. Includes $1,000 no-cost AD&D coverage fully paid by PCMCU. Backed by 80+ years of credit union partnership experience.
• Courts Financial StrategiesminorStrategic or Co-development PartnerFinancial planning partner providing tax reduction strategies, Social Security planning, retirement health cost calculations. Kenneth Courts, CFS, offers appointments at PCMCU Green Bay Main Office.
• Savvymoney (Credit Sense)coreTechnology or IntegrationCredit monitoring tool integrated into online and mobile banking. Provides free credit scores, personalized improvement tips, and fraud monitoring without affecting credit score.
• Federal Home Loan Bank of ChicagocoreGTM or Marketing PartnerThrough Downpayment Plus program, eligible homebuyers can receive up to $10,000 toward down payment and closing costs. PCMCU is a partner of this government-sponsored enterprise.
• Alliance One ATM NetworkminorChannel Partner/ Reseller/ DistributorNationwide ATM network providing surcharge-free withdrawals for members at participating financial institutions. PCMCU members avoid surcharges even at ATMs that normally charge fees.

Scale indicators5 records

Recent moves7 records

Expansion highlights3 records

Emerging players

• Alliant Credit Union: Large digital-first U.S. credit union with national membership and competitive online deposit and loan products. Represents a non-regional competitive threat for PCMCU members who value digital convenience over local branch service.

Direct peers

• Connexus Credit Union: Wisconsin-headquartered credit union with national membership eligibility and stronger digital banking platform. Comparable core product offering; larger scale and broader geographic reach than PCMCU.
• CoVantage Credit Union: Wisconsin and Upper Michigan community credit union offering consumer banking, mortgages, and business lending. Comparable member-owned model and regional community bank positioning.
• Educators Credit Union: Green Bay-headquartered community credit union serving Northeast Wisconsin with similar deposit, lending, and digital banking products. Comparable scale and operating geography to PCMCU.
• UW Credit Union: Wisconsin-based community credit union serving Madison and South Central Wisconsin with full-service consumer banking. Comparable member-owned model and full product lineup; geographically distinct but structurally analogous.
• Community First Credit Union: Appleton, Wisconsin-based community credit union serving the Fox Valley region with consumer deposits, loans, and digital banking. Comparable product breadth and community-charter positioning to PCMCU.
• Fox Communities Credit Union: Wisconsin-based community credit union with branch network across the Fox Valley and Northeast Wisconsin. Closely comparable product set (auto, mortgage, deposits, digital banking) and similar community-charter cooperative structure.
• Capital Credit Union: Wisconsin-based community credit union offering full-service consumer banking (deposits, auto, mortgage, credit cards) across the Green Bay region. Directly comparable to PCMCU in product mix, geographic overlap, and member-owned cooperative structure.

Broad incumbents

• Associated Bank: Green Bay-headquartered regional bank (NASDAQ: ASB) operating across Wisconsin, Illinois, and Minnesota with full consumer and commercial banking. Direct geographic overlap with PCMCU but much larger scale and broader product portfolio.
• Nicolet National Bank: Green Bay-based community bank serving Wisconsin with consumer and commercial banking, mortgages, and wealth services. Competes with PCMCU on mortgages and consumer deposits within overlapping Green Bay footprint.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks1 record

Key highlights6 records

Customer concentration

• YouTubeyoutube.com/@pcmcreditunion3157
• Facebookfacebook.com/pcmcreditunion
• Instagraminstagram.com/pcmcreditunion

Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles6 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 PCM Credit Union