Co-Op Credit Union

Black River Fal, Wisconsin
Last verified: August 4, 2026
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Verified rate book

Current Co-Op Credit Union rates

103 published offers verified as of August 4, 2026.

How we verify rates

Mortgage rates

10 offers
Co-Op Credit Union mortgage rates as of August 4, 2026
ProductPublishedRateTerm / conditionStatus
30 Year Fixed Rate (Secondary Market) 330 year fixed6.500% APR6.500%—Standard
15 Year Fixed Rate (Secondary Market) 315 year fixed6.125% APR6.125%—Standard
15-Year Fixed15 year fixed6.150% APR6.150%—Standard
3/1 ARM 23 1 arm5.740% APR5.740%—Standard
10-Year Fixed10 year fixed5.800% APR5.800%—Standard
5/1 ARM 25 1 arm6.050% APR6.050%—Standard
7/1 ARM 27 1 arm6.200% APR6.200%—Standard
10/1 ARM 210 1 arm6.300% APR6.300%—Standard
20 Year Fixed Rate (Secondary Market) 320 year fixed6.750% APR6.750%—Standard
Home Constructionother5.250% APR5.250%—Standard

Auto & vehicle rates

1 offer
Co-Op Credit Union auto & vehicle rates as of August 4, 2026
ProductPublishedRateTerm / conditionStatus
2026 - 2025 with less than 15,000 miles (84 Month 2 New Auto/Truck/Motorcycle only)motorcycle_new_84mo6.190% APR6.190%84 mo · newStandard

HELOC rates

2 offers
Co-Op Credit Union heloc rates as of August 4, 2026
ProductPublishedRateTerm / conditionStatus
Credit Card (HELOC)heloc_variable5.990% APR5.990%—Standard
3-Year Lock HELOCheloc_variable5.990% APR5.990%—Standard

Personal loan rates

2 offers
Co-Op Credit Union personal loan rates as of August 4, 2026
ProductPublishedRateTerm / conditionStatus
Signature Loanpersonal_unsecured9.900% APR9.900%—Standard
KWIK CASH/Overdraft Protectionpersonal14.880% APR14.880%—Standard

Credit card rates

11 offers
Co-Op Credit Union credit card rates as of August 4, 2026
ProductPublishedRateTerm / conditionStatus
Credit Cardcredit_card5.000% APR5.000%—Standard
Credit Card (3/1 ARM 2)credit_card5.740% APR5.740%—Standard
Credit Card (10 Year Fixed Rate)credit_card5.800% APR5.800%—Standard
Credit Card (5/1 ARM 2)credit_card6.050% APR6.050%—Standard
Credit Card (15 Year Fixed Rate (Secondary Market) 3)credit_card6.125% APR6.125%—Standard
Credit Card (15 Year Fixed Rate)credit_card6.150% APR6.150%—Standard
Credit Card (7/1 ARM 2)credit_card6.200% APR6.200%—Standard
Credit Card (10/1 ARM 2)credit_card6.300% APR6.300%—Standard
Credit Card (30 Year Fixed Rate (Secondary Market) 3)credit_card6.500% APR6.500%—Standard
Credit Card (20 Year Fixed Rate (Secondary Market) 3)credit_card6.750% APR6.750%—Standard
Credit Card (Home Construction)other5.250% APR5.250%—Standard

Savings & CD rates

62 offers
Co-Op Credit Union savings & cd rates as of August 4, 2026
ProductPublishedRateTerm / conditionStatus
Account Rates (Share Draft Checking)savings0.05% APY0.05%—Standard
Account Rates (Funeral Trust)savings0.15% APY0.15%—Standard
Savingsshare_savings0.15% APY0.15%—Standard
Account Rates (Escrow Savings)savings0.17% APY0.17%—Standard
Account Rates (Individual Retirement Account)ira0.45% APY0.45%—Standard
Account Rates (0 < $10,000)savings0.45% APY0.45%—Standard
Account Rates ($10,000 & over)savings0.60% APY0.60%—Standard
Account Rates ($1,000 < $5,000)savings0.80% APY0.80%—Standard
Account Rates ($5,000 < $10,000)savings0.85% APY0.85%—Standard
$10,000 < $20,000savings1.19% APY1.19%—Standard
Account Rates ($10,000 < $20,000)savings1.20% APY1.20%—Standard
$20,000 < $30,000savings1.34% APY1.34%—Standard
Account Rates ($20,000 < $30,000)savings1.35% APY1.35%—Standard
GoalSetter Savings (balances up to $10,000)savings1.39% APY1.39%—Standard
$30,000 < $40,000savings1.39% APY1.39%—Standard
Account Rates (GoalSetter Savings (balances up to $10,000))savings1.40% APY1.40%—Standard
Account Rates ($30,000 < $40,000)savings1.40% APY1.40%—Standard
$40,000 < $50,000savings1.49% APY1.49%—Standard
Account Rates ($40,000 < $50,000)savings1.50% APY1.50%—Standard
$50,000 & Oversavings1.69% APY1.69%—Standard
Account Rates ($50,000 & over)savings1.70% APY1.70%—Standard
$25,000 < $50,000savings1.74% APY1.74%—Standard
Account Rates ($25,000 < $50,000)savings1.75% APY1.75%—Standard
$50,000 < $100,000savings1.84% APY1.84%—Standard
Account Rates ($50,000 < $100,000)savings1.85% APY1.85%—Standard
Certificates ($100 minimum) (6 month)cd_6mo2.00% APY2.00%6 moStandard
6-Month Certificatecd_6mo2.05% APY2.05%6 moStandard
IRA Certificates ($1,000 minimum) (6 month)ira_cd_6mo2.05% APY2.05%6 moStandard
$100,000 < $250,000savings2.13% APY2.13%—Standard
Account Rates ($100,000 < $250,000)savings2.15% APY2.15%—Standard
$250,000 & Oversavings2.23% APY2.23%—Standard
Reward Checkingsavings2.23% APY2.23%—Standard
Account Rates ($250,000 & over)savings2.25% APY2.25%—Standard
Account Rates (Reward Checking)savings2.25% APY2.25%—Standard
Certificates ($100 minimum) (60 month)cd_60mo2.82% APY2.82%60 moStandard
Certificates ($100 minimum) (48 month)cd_48mo2.82% APY2.82%48 moStandard
Certificates ($100 minimum) (24 month)cd_24mo2.82% APY2.82%24 moStandard
Certificates ($100 minimum) (36 month)cd_36mo2.82% APY2.82%36 moStandard
60-Month Certificatecd_60mo2.87% APY2.90%60 moStandard
Health Savings Account Certificate ($1,000 minimum) (36 month)cd_36mo2.87% APY2.87%36 moStandard
36-Month Certificatecd_36mo2.87% APY2.90%36 moStandard
Health Savings Account Certificate ($1,000 minimum) (60 month)cd_60mo2.87% APY2.87%60 moStandard
IRA Certificates ($1,000 minimum) (60 month)ira_cd_60mo2.87% APY2.87%60 moStandard
IRA Certificates ($1,000 minimum) (48 month)ira_cd_48mo2.87% APY2.87%48 moStandard
IRA Certificates ($1,000 minimum) (36 month)ira_cd_36mo2.87% APY2.87%36 moStandard
IRA Certificates ($1,000 minimum) (24 month)ira_cd_24mo2.87% APY2.87%24 moStandard
48-Month Certificatecd_48mo2.90% APY2.90%48 moStandard
24-Month Certificatecd_24mo2.90% APY2.90%24 moStandard
Certificates ($100 minimum) (12 month)cd_12mo3.75% APY3.75%12 moStandard
Health Savings Account Certificate ($1,000 minimum) (12 month)cd_12mo3.80% APY3.80%12 moStandard
12-Month Certificatecd_12mo3.80% APY3.85%12 moStandard
IRA Certificates ($1,000 minimum) (12 month)ira_cd_12mo3.80% APY3.80%12 moStandard
Certificates ($100 minimum) (18 month)cd_18mo3.84% APY3.84%18 moStandard
IRA Certificates ($1,000 minimum) (18 month)ira_cd_18mo3.89% APY3.89%18 moStandard
18-Month Certificatecd_18mo3.95% APY3.95%18 moStandard
Certificates ($100 minimum) (14 month special)cd_14mo4.14% APY4.14%14 moStandard
Certificates ($100 minimum) (10 month special)cd_10mo4.14% APY4.14%10 moStandard
IRA Certificates ($1,000 minimum) (14 month special)ira_cd_14mo4.18% APY4.18%14 moStandard
IRA Certificates ($1,000 minimum) (10 month special)ira_cd_10mo4.18% APY4.18%10 moStandard
14-Month Certificatecd_14mo4.25% APY4.25%14 moStandard
10-Month Certificatecd_10mo4.25% APY4.25%10 moStandard
Youth Saver Certificate ($100 minimum | $3,000 maximum) (12 month)cd_12mo6.00% APY6.00%12 moEligibility restricted

Other rates

15 offers
Co-Op Credit Union other rates as of August 4, 2026
ProductPublishedRateTerm / conditionStatus
2026 - 2025 with less than 15,000 miles (36 Month)other4.440% %4.440%—Standard
2026 - 2025 with less than 15,000 miles (24 Month)other4.440% %4.440%—Standard
2026 - 2025 with less than 15,000 miles (48 Month)other4.540% %4.540%—Standard
Used 2025 with more than 15,000 miles - 2020 (24 Month)other4.640% %4.640%—Standard
Used 2025 with more than 15,000 miles - 2020 (36 Month)other4.640% %4.640%—Standard
2026 - 2025 with less than 15,000 miles (60 Month)other4.740% %4.740%—Standard
Used 2025 with more than 15,000 miles - 2020 (48 Month)other4.840% %4.840%—Standard
Used 2019 & Older (24 Month)other4.890% %4.890%—Standard
Used 2019 & Older (36 Month)other4.890% %4.890%—Standard
Used 2025 with more than 15,000 miles - 2020 (60 Month)other4.990% %4.990%—Standard
Used 2019 & Older (48 Month)other5.090% %5.090%—Standard
2026 - 2025 with less than 15,000 miles (72 Month)other5.140% %5.140%—Standard
Used 2019 & Older (60 Month)other5.290% %5.290%—Standard
Used 2025 with more than 15,000 miles - 2020 (72 Month)other5.440% %5.440%—Standard
Used 2019 & Older (72 Month)other6.190% %6.190%—Standard

As of August 4, 2026, Co-Op Credit Union offers a 30-year fixed mortgage at 6.5% APR. Motorcycle loans available from 6.19% APR for 84 months. HELOC rates from 5.99% APR. Personal loan rates from 9.9% APR. Credit card rates from 5% APR. Savings and certificate yields up to 4.25% APY.

Source: RateAPI.dev, verified from Co-Op Credit Union's official website

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About Co-Op Credit Union

Institution facts reported to the National Credit Union Administration for Invalid Date.

Members
23.6K
Assets
$615M
Founded
1938
Locations reported
9
NCUA charter
66983
Charter type
Federally insured state-chartered credit union

Services and member support

  • Online membership application
  • Online loan application
  • Open an account online
  • Electronic statements
  • Mobile check deposit
  • Mobile payments
  • Financial counseling
  • Financial education
  • First-time homebuyer program
  • Bilingual services
  • Student scholarships

Source: NCUA quarterly call report. Services are institution-reported; confirm availability with the credit union.

Other credit unions with branches nearby

Compare membership, services, and rates from other institutions with an NCUA-reported branch nearby.

1st Community1st CCU Sparta · Sparta · WI · 54656-2230About 19.1 miles awayR.i.a.4 · Fort McCoy · WI · 54656-5115About 19.1 miles awaySimplicityNeillsville · Neillsville · WI · 54456About 20.6 miles awayOakdaleOakdale Credit Union · Tomah · WI · 54660About 23.9 miles awayTomah AreaTomah Area Credit Union · Tomah · WI · 54660About 23.9 miles awayRoyalWhitehall Office · Whitehall · WI · 54773About 26.7 miles away

Nearest-first estimates use the center of your Census ZIP area and NCUA-reported branch locations. Distances are straight-line estimates, not driving distance.

Who Can Join Co-Op Credit Union

Membership eligibility from Co-Op Credit Union's own published criteria. How we verify this.

Membership via the Fall Creek Supply Co-op +1 more

  • LocationBuffalo, Chippewa, Clark, Dunn, Eau Claire, Jackson, La Crosse, Monroe, Pepin, Trempealeau
  • AssociationFall Creek Supply Co-op, Augusta Farmers Union Co-op

Cost to join: About $5.

Verified from Co-Op Credit Union's membership page. Final membership determination is always made by the credit union.

Work at Co-Op Credit Union?

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Frequently Asked Questions

What rates does Co-Op Credit Union offer?

Co-Op Credit Union currently offers mortgage, Motorcycle loan, HELOC, personal loan, and credit card rates. The rates shown on this page were last verified August 4, 2026 directly from the credit union's official website.

How often are Co-Op Credit Union rates updated?

RateAPI verifies Co-Op Credit Union's rates daily by scraping its official website, then normalizing the data. The figures on this page were last verified August 4, 2026.

Where does RateAPI get Co-Op Credit Union's rate data?

Rate data is collected directly from Co-Op Credit Union's official website. RateAPI has no pay-to-rank incentives; see the methodology page for how rates are collected and normalized.

What is Co-Op Credit Union's mortgage rate?

As of August 4, 2026, Co-Op Credit Union offers a 30-year fixed mortgage at 6.5% APR.

What are Co-Op Credit Union's motorcycle loan rates?

As of August 4, 2026, Co-Op Credit Union offers motorcycle loans from 6.19% APR.

What is Co-Op Credit Union's HELOC rate?

As of August 4, 2026, Co-Op Credit Union offers home equity lines of credit from 5.99% APR.

What is Co-Op Credit Union's personal loan rate?

As of August 4, 2026, Co-Op Credit Union offers personal loans from 9.9% APR.

What is Co-Op Credit Union's best CD rate?

As of August 4, 2026, Co-Op Credit Union offers savings and certificate (CD) yields up to 4.25% APY.

Related Rate Data

Compare Co-Op Credit Union's rates against national credit-union benchmarks.

More Wisconsin credit unionsMortgage rate benchmarkAuto loan rate benchmarkHELOC ratesPersonal loan ratesCredit card ratesHow we verify rates

Source Information

Rate data is scraped directly from the credit union's official website and verified daily by our automated systems.

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Methodology

Learn how we collect, normalize, and verify rate data with full transparency and no pay-to-rank incentives.

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