Fort Community Credit Union

What Fort Community Credit Union does

Fort Community Credit Union (FCCU) is a not-for-profit financial cooperative founded in 1940 and headquartered in Fort Atkinson, Wisconsin, serving individual members, families, and small businesses across southeastern Wisconsin. The institution is member-owned and operates on a cooperative basis, returning profits to members through better deposit and loan rates, the Member Loyalty Cash program, and reduced fees. Its service area is regional, with multiple physical branch locations, a surcharge-free ATM network, and digital channels including online and mobile banking with an Early Pay feature.

FCCU's product portfolio is comprehensive for a community credit union: three checking account tiers (Kickoff, First Down, Touchdown), multiple savings vehicles including a 5.12% APY TBD Savings account, money market, certificates, and HSA, alongside a full lending suite covering home mortgages, HELOCs, refinance, new construction, vacation and investment property loans, auto loans, RV loans, student loans, personal term loans, and lines of credit. Business banking includes business checking variants, commercial real estate loans, business term loans, equipment loans, and merchant card services. The credit union also distributes TruStage insurance products (life, AD&D, home, auto), offers GAP and debt protection coverage, and provides FCCU Financial Advisors and free financial coaching.

Distribution is multi-channel: physical branches, online and mobile banking, and community outreach (scholarships, financial education through GreenPath and Banzai, Spanish-language services). The business model is standard for a credit union — net interest margin on loans and investments, supplemented by transaction fees and affiliate/commission income from insurance, financial advisory, and merchant services. FCCU has no parent company, no external shareholders, and no disclosed funding rounds; it is governed by a member-elected Board of Directors.

Name

Fort Community Credit Union

Legal name

Fort Community Credit Union

Website

https://fortcommunity.com

Company type

Private

Founded year

1940

Operating status

Operating

Headcount range

101–250 employees

Short description

Fort Community Credit Union is a not-for-profit, member-owned financial cooperative founded in 1940 in Fort Atkinson, Wisconsin, serving individuals, families, and small businesses across southeastern Wisconsin with checking, savings, lending, business banking, and insurance products distributed through branches and digital channels.

Ownership category

akta.pro rank

Product category

Credit Union Services

NAICS

Credit Unions (52213), Credit Unions (522130), Savings Institutions and Other Depository Credit Intermediation (522180), Credit Card Issuing (522210)

SIC

Personal Credit Institutions (6141)

akta.pro primary industry

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

Keywords

• Retail banking services
• Consumer lending
• Savings accounts
• Credit union services
• Financial advisory

Headquarters

HQ city

Fort Atkinson

HQ country

United States

HQ region

North America

Offices2 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Interest Income from Loans: FCCU earns interest income by lending money to members through various loan products including mortgages, auto loans, personal loans, and credit cards. Interest rates vary by product and member creditworthiness.
2. Interest Income from Investments: Interest earned on investment securities and reserves held at correspondent banks and credit union service organizations
3. Fee Income: Various banking fees including overdraft protection services, wire transfers, and account maintenance services
4. Insurance Products: Commission revenue from TruStage insurance products offered to members including life, auto, home, and AD&D insurance
5. Financial Advisory Services: Revenue from financial planning and advisory services through FCCU Financial Advisors

Pricing tiers

Go-to-market motion1 record

Distribution channels4 records

Marketing channels6 records

Core offering

Fort Community Credit Union is a not-for-profit financial cooperative that provides retail banking products and services to individual members and small businesses in southeastern Wisconsin. Its core offerings include checking and savings accounts, certificates, home mortgages, auto loans, personal loans, credit cards, and business banking, supported by online and mobile banking channels. The credit union also distributes insurance products through a partnership with TruStage and provides financial advisory and coaching services to members.

Product overview

Fort Community Credit Union (FCCU) operates as a not-for-profit financial cooperative offering a comprehensive suite of banking products and services. The core portfolio consists of multiple checking accounts (Kickoff Checking, First Down Checking, Touchdown Checking), savings products (Base Savings, Change-Up Savings, TBD Savings with 5.12% APY promotional rate, Saver's Sweepstakes, Goal Getter Savings, Money Fund, Certificates), and diverse lending options including home mortgages, auto loans, personal loans, credit cards, and business loans. Digital banking is delivered through Online & Mobile Banking with Early Pay feature. The institution also provides ancillary services such as TruStage Insurance products (life, auto, home, AD&D), GAP coverage, debt protection, financial advisory services, and financial coaching. The Member Loyalty Cash program shares annual profits with members. The credit union serves southeastern Wisconsin communities with ITIN-based lending services for underserved populations.

Differentiator

Problem solved

Functional benefit

Brands

• Kickoff Checking: Checking account product
• First Down Checking
• Touchdown Checking
• Base Savings
• Change-Up Savings
• Goal Getter Savings
• Money Fund
• TBD Savings
• Spot's Sensible Savings
• Health Savings
• Kwik Cash Line of Credit
• TruStage Insurance
• FCCU Financial Advisors
• GreenPath Financial Wellness
• Member Loyalty Cash
• Banzai
• BaZing Benefits

Products and services

• Kickoff Checking A consumer checking account product designed to help members manage daily finances with standard banking features.
• First Down Checking
• Touchdown Checking
• Base Savings
• Change-Up Savings
• TBD Savings
• Savers Sweepstakes
• Goal Getter Savings
• Money Fund
• Certificates of Deposit
• Health Savings Account
• Spot's Sensible Savings
• Home Mortgage Loans
• Home Refinance
• HELOCs and Home Equity Loans
• New Construction and Land Loans
• Vacation Home Loans
• Investment Property Loans
• ITIN Lending
• Auto Loans
• Recreational Vehicle Loans
• Personal Term Loans
• Kwik Cash Line of Credit
• Student Loans
• Personal Credit Cards
• Business Credit Cards
• Buy Now Pay Later
• Business Checking
• Community Partner Checking
• Business Dividend Checking
• Business Savings
• Business Term Loans
• Commercial Real Estate Loans
• Equipment Loans
• FCCU Financial Advisors
• TruStage Insurance
• GAP (Guaranteed Asset Protection)
• Debt Protection Insurance
• Financial Coaching
• Online and Mobile Banking
• Early Pay
• Courtesy Pay and Overdraft Protection
• ITIN Services
• Excess Share Insurance
• Debit Cards
• Gift Cards
• Merchant Card Services

Named customers1 record

Segments3 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature4 records

Partnerships

Four partnerships are on record, tiered core and minor.

• GreenPath Financial WellnesscoreStrategic or Co-development PartnerFCCU partners with GreenPath Financial Wellness to provide financial education, counseling, and debt management services to members. GreenPath offers credit counseling, housing counseling, and financial wellness resources to help members achieve their financial goals.
• TruStage InsurancecoreChannel Partner/ Reseller/ DistributorFCCU offers TruStage insurance products including life insurance, AD&D, home insurance, and auto insurance through the TruStage program. This partnership provides members with access to insurance products designed specifically for credit union members.
• BanzaiminorStrategic or Co-development PartnerFCCU provides Banzai financial education tools including Banzai for the Classroom (for schools) and Banzai Adult Learning (for adults). These interactive financial education resources help members learn about budgeting, saving, and managing finances.
• Love My Credit Union RewardsminorGTM or Marketing PartnerFCCU participates in the Love My Credit Union Rewards program, a national initiative that provides members with discounts and deals from participating credit unions across the country.

Scale indicators2 records

Recent moves6 records

Expansion highlights4 records

Direct peers

• UW Credit Union: Wisconsin-based community credit union with broadly similar full-service consumer and business banking. Comparable product breadth (checking, mortgages, auto) and regional Wisconsin footprint make it a close operating analog.
• Community First Credit Union (Wisconsin): Wisconsin-headquartered community credit union serving consumers and small businesses. Overlapping member-owned cooperative model, branch-based distribution, and broad retail banking product set make it a strong peer.
• Heartland Credit Union: Mid-sized regional credit union with a comparable consumer-banking focus and multiple branches. Similar not-for-profit cooperative model and full retail product suite position it as a near-direct peer.
• Educational Community Credit Union: Community credit union offering similar checking, savings, lending, and digital banking products. Comparable size and member-owned structure make it a relevant operational peer.
• Connexus Credit Union: Wisconsin-based credit union with a broader geographic footprint but similar member-owned model and full-service banking suite. Useful as a scaling-up benchmark for what a regional WI credit union can grow into.
• Alliant Credit Union: Large online-first credit union with national membership and similar not-for-profit structure. Useful peer for benchmarking what scaled credit-union digital banking looks like beyond a regional footprint.

Broad incumbents

• BMO Harris Bank: Large commercial bank with deep Wisconsin retail presence. Competes directly for the same southeastern WI consumers and small businesses on checking, mortgages, and auto loans, but as part of a national portfolio.
• Associated Bank: Wisconsin-headquartered regional bank serving similar southeastern Wisconsin geography. Competes for the same consumer and small-business banking customers, but with a wider commercial banking portfolio.

Emerging players

• Chime: Digital-first neobank targeting fee-averse consumers with early-pay features that mirror FCCU's own Early Pay. Represents the disruptive threat to traditional community credit unions on price and digital UX.

Others

• Kasasa (community bank/cu platform): Technology and rewards platform partner to FCCU whose checking and savings products are commonly offered by community banks and credit unions. Included as an enabler/ecosystem participant rather than direct competitor.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights6 records

Customer concentration

• Xtwitter.com/fortcommunity
• YouTubeyoutube.com/channel/UCpsO12jPwIo81fmGwu0lzTQ
• Facebookfacebook.com/FortCommunity
• LinkedInlinkedin.com/company/fort-community-credit-union
• Instagraminstagram.com/fortcommunitycu

Revenue estimate

Valuation estimate

Number of profiles

Profiles3 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 Fort Community Credit Union