Membership & Benefits | WI Community Credit Union Rates

We look forward to rolling out the welcome mat for you.

Member-friendly rates and low fees are just one benefit of Fox membership. Every time you visit one of our locations - or call us on the phone - you'll see how we do business with a personal touch.

We're about as local as you can get - with the word "communities" ingrained in our formal name. At Fox, we're all about providing maximum value and support. We invite you to enjoy a better financial experience at a not-for-profit financial cooperative that genuinely cares about Wisconsin.

Membership eligibility

Anyone who lives or works in the counties of Brown, Calumet, Dodge, Door, Fond du Lac, Kewaunee, Manitowoc, Milwaukee, Oconto, Outagamie, Ozaukee, Shawano, Sheboygan, Washington, Waukesha, Waupaca, and Winnebago.
All employees of eligible payroll sponsored companies.
All immediate family members of anyone who is eligible for membership.

Get started

Fill out our Membership Application or stop by any of our convenient locations to open an account.
A $5 deposit is required to maintain membership with Fox and represents your share of ownership in the credit union.

Frequently Asked Questions

Can I open an account online?

Yes, Fox has a convenient option for you to open an account online – complete the online application process. You’ll also need a current form of identification and a method to fund your new account.
*Please note some of Fox’s accounts may not be available for online account opening at this time.

Why do I need my $5 Fox account?

Your $5 Membership Share account makes you a Fox member-owner, which means you get to enjoy all the benefits Fox has to offer.

How many accounts can I have with the credit union?

There is no limit to the number of accounts you can have at Fox.

How do I add/remove a joint owner from my Fox accounts?

Please come see us at one of our Fox locations to complete the necessary documents to add or remove a joint account owner from an account. Members can also close the account and then reopen a new account, which can be easier and more convenient in some situations.

How do I add/remove a beneficiary from my Fox accounts?

Stop by one of our Fox locations or give us a call to complete the necessary documents to add or remove a beneficiary from an account. You can also learn more about adding a beneficiary in our blog post on the subject.
And if you can’t remember who is currently listed as beneficiary on your account(s)? Stop by one of our Fox locations or give us a call.

Can I transfer from my Fox account to my account or someone else’s account at another financial?

Yes, external account transfers are available through our mobile app or Online Banking. Simply follow the steps listed in our blog.

How do I set up direct deposit?

Most employers typically have a direct deposit form for you to complete in order to deposit your paycheck into your personal account. Check with your HR department, or get in touch with us if you need help.

You will need the following information:

Routing #: 275977256
12-digit Account Number – You can find your full 12-digit account number in Digital Banking or simply by contacting us and requesting it.

Why is a hold being placed on my check?

There are several reasons why a check may have a hold placed. The length of the hold on the check will depend on the type of check you deposit. If you have questions about how long your check will be held, or to inquire about a specific check, please contact a Fox team member or visit one of our many Fox locations.

Why didn’t I receive my statement in the mail?

Are you signed up for paperless statements? If so, that’s why. If not, contact our friendly Fox team and we’ll get it figured out. Monthly statements are typically mailed by the second business day of the month. Mortgage statements are mailed in the middle of the month.

Is the money deposited in my account(s) insured?

Yes, the National Credit Union Administration (NCUA) insures deposits up to $250,0000. The amount of coverage depends on the ownership and types of accounts you have with Fox. To learn more, please visit Share Insurance FAQs or Share Insurance Estimator.

What is the difference between APY and APR?

Annual Percentage Yield (APY) is a percentage rate reflecting the total amount of interest paid on a share account based on the interest rate and the frequency of compounding for a year.
Annual Percentage Rate (APR) is the cost of credit on a annual basis you’ll pay when borrowing money, expressed as a percentage.

What is Fox Mobile Check Deposit?

Mobile Check Deposit is the ability to deposit your check into your Fox checking or savings accounts using your smartphone or tablet with the Fox Mobile App. If you don’t have our Fox mobile app, you can download it from Apple Store or Google Play store.

How do I deposit a check using Fox Mobile Check Deposit?

Log into the Fox app from your smartphone or tablet
Select “Deposit Check”
Select “Deposit Account”
Enter amount listed on check
Endorse the back of check “For Mobile Deposit at FCCU” followed by your signature
Snap a photo of front and back of check
Select “Submit Deposit”

*Reminder: To use this service, you’ll need to be enrolled in Fox Communities Credit Union Digital Banking.

Will I receive a notification for my Mobile Check Deposit?

Yes, you will receive an email notification when your deposit is received and when it’s either approved or rejected.

Deposits received
Lets you know we have received your deposit, but the funds are not yet available for use, as the deposit is awaiting review/approval.

Deposit approved
Lets you know we have approved your deposit and it will be credited to your account during the next available deposit posting time.

Rejected deposit
Notifies you the deposit cannot be processed and the reason why. The funds will not be available in your account. You may view an image of the check under your Digital Banking activity details.

Is there a processing cutoff time for Mobile Check processing?

Deposits submitted after 3 p.m. CST, Monday-Friday, may not be deposited until the following business day. Any deposits submitted on a weekend or federal holiday will be processed on the following business day.

How long does it take for funds to be available if I use Mobile Check Deposit?

Generally, funds will be available for withdrawal by the second business day after the day of deposit. However, longer delays may apply. For additional information see Fox Communities Credit Union funds availability policy.

Can my Mobile Check Deposit be rejected?

Yes, your Mobile Check Deposit may be rejected due to several reasons, including:

You’re over the daily mobile check deposit limit
Blurry Image
Missing Signature on front of check
Improper endorsement on the back of the check
Unable to read MICR (magnetic ink character recognition) line
Third-party check

When will my new Fox debit or credit card come after my old one expires?

Your new card will be mailed to you before your old card expires. If you don’t receive it, please contact our friendly Fox team. Your card is good through the last day of the expiring month.

When will I get my Fox debit card after I sign up for one?

Most Fox locations offer instant issue debit cards. If your branch doesn't, your debit card will arrive in the mail within 3-7 business days of opening your account.
If you did not request a debit card when you opened your checking account and want one, please stop by any one of our Fox locations or call our friendly Fox team.

What is Fox Communities Credit Union’s routing number?

Our routing number is 275977256. You may also find this number in the bottom left corner of your checks. You’ll also need your 12-digit account number if you want to deposit money into your Fox account, which you can find in Digital Banking or simply by contacting us and requesting it.