# What services does Gundersen Credit Union offer to its members?

Lily Armstrong · August 4, 2026

> Gundersen Credit Union functions as a not-for-profit financial cooperative, which means members have a stake in the organization and any surplus...

Gundersen Credit Union functions as a not-for-profit financial cooperative, which means members have a stake in the organization and any surplus earnings are typically reinvested into services for members rather than distributed as profits.

Membership eligibility extends beyond residents, allowing anyone who works in La Crosse, Trempealeau, Monroe, Vernon, or Crawford counties to join, thereby fostering community engagement and support.

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A minimal deposit of just $5 is required to open a share savings account, making access to banking services extremely affordable and appealing for a broad range of potential members.

Gundersen Credit Union participates in the Credit Union Shared Branching Network, which includes over 5,600 branches nationwide.

This network facilitates convenient access to banking services even when members are away from their home branch.

Members can utilize a wide array of online banking services, including loan applications, fund transfers, and account management through a digital platform designed for ease of use.

The credit union offers competitive rates on various loan types, including auto loans and mortgages, which can often be lower than those provided by traditional banks due to the cooperative structure that reduces overhead costs.

They provide free checking accounts, a service not universally available in the banking sector, thereby eliminating monthly maintenance fees that can accumulate over time.

Gundersen Credit Union emphasizes personal service, which is facilitated by a smaller member base compared to conventional banks, allowing staff to develop more individualized relationships with members.

The institution has specific loan products designed for first-time homebuyers, which may include lower down payment options and educational resources on navigating the home-buying process.

The credit union offers financial education as a core part of its services, helping members develop budgeting skills and understand the implications of debt.

Members have access to a variety of insurance products, including auto and homeowners insurance, which can typically be obtained at competitive rates through partnerships with insurance providers.

Gundersen Credit Union utilizes ACH (Automated Clearing House) technology for electronic fund transfers, ensuring secure and efficient movement of money, which is crucial in modern banking operations.

They have mobile banking options including apps that allow members to manage accounts on the go, reflecting the ongoing trend toward digitization in financial services which enhances accessibility.

A distinguishing feature of many credit unions, including Gundersen, is their focus on community involvement, often participating in local events and giving back to the communities they serve.

The credit union often provides scholarship opportunities for local students, underlining their commitment not just to financial services but to community development and education.

Members are encouraged to participate in annual meetings, where they can vote on key decisions affecting the credit union, thereby promoting a model of governance that emphasizes member participation.

Credit unions like Gundersen operate under the "People Helping People" philosophy, which focuses on improving the financial well-being of their members, contrasting with profit-driven motives of many financial corporations.

Gundersen Credit Union must adhere to regulations set by the National Credit Union Administration (NCUA), which insures member deposits up to $250,000, providing a safety net for members' savings.

Finally, the structure of credit unions allows them to often be more involved in local lending, which can foster community development and resilience, as funds are more likely to be reinvested in local projects and small businesses than in distant corporate ventures.

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