Civic Intelligence

Capital Credit Union

EIN 39-0394240 • 501(c)14 • Green Bay, WI

Profile

A nonprofit member-owned thrift institution organized to provide financial services to individuals. Capital credit union is a full service financial institution that offers our members multiple loan products as well as share, share draft, cd and ira products. In addition, capital serves members by offering automated teller machines, direct deposit, call 24 online banking, debit and credit cards, gift cards, safe deposit boxes, e-statements, bill pay and many other services. Capital serves over 119,000 members in 12 northeast wisconsin counties: brown, calumet, door, kewaunee, manitowoc, marinette, menomine, oconto, outagamie, shawano, waupaca, and winnebago.

825 Morris AvenueGreen Bay, WI 54304-4525

www.capitalcu.com

Siviq Scores

Precomputed percentiles relative to similar nonprofits. These scores are descriptive rather than judgmental.

Liabilities / Assets

19th percentile

0.88x

Higher debt load relative to assets than 19% of similar nonprofits.

501(c)14 • $1B+ nonprofits • Source year 2024

Liabilities / Revenue

27th percentile

14.03x

Higher debt load relative to revenue than 27% of similar nonprofits.

501(c)14 • $1B+ nonprofits • Source year 2024

Net Margin

67th percentile

13%

Higher net margin than 67% of similar nonprofits.

501(c)14 • $1B+ nonprofits • Source year 2024

Top Officer Pay

27th percentile

$641,605

Higher top officer pay than 27% of similar nonprofits.

Top officer pay equals 0.4% of source-year revenue.

$1B+ nonprofits • Source year 2024

Asset Growth

70th percentile

5.5%

Faster asset growth than 70% of similar nonprofits.

501(c)14 • $1B+ nonprofits • Annualized from 2022 to 2024

Revenue Growth

87th percentile

30%

Faster revenue growth than 87% of similar nonprofits.

501(c)14 • $1B+ nonprofits • Annualized from 2022 to 2024

Assets

$2,583,325,331

No earlier filing loaded for comparison.

Liabilities

$2,284,942,076

No earlier filing loaded for comparison.

Net Assets

$298,383,255

No earlier filing loaded for comparison.

Revenue

$162,815,780

No earlier filing loaded for comparison.

Expenses

$141,862,610

No earlier filing loaded for comparison.

Net Income

$20,953,170

No earlier filing loaded for comparison.

Trend Graphs

Balance Sheet Trend

Grouped bars show assets, liabilities, and net assets across loaded filings.

$3.0B$2.0B$1.0B$0Assets 2010: $393,095,572Liabilities 2010: $336,508,392Net Assets 2010: $56,587,1802010Assets 2011: $417,534,910Liabilities 2011: $357,929,155Net Assets 2011: $59,605,7552011Assets 2012: $449,547,050Liabilities 2012: $386,425,376Net Assets 2012: $63,121,6742012Assets 2013: $469,606,525Liabilities 2013: $403,372,675Net Assets 2013: $66,233,8502013Assets 2014: $1,092,115,623Liabilities 2014: $955,119,830Net Assets 2014: $136,995,7932014Assets 2015: $1,135,574,159Liabilities 2015: $992,580,775Net Assets 2015: $142,993,3842015Assets 2016: $1,189,610,842Liabilities 2016: $1,035,504,769Net Assets 2016: $154,106,0732016Assets 2017: $1,334,898,478Liabilities 2017: $1,163,712,362Net Assets 2017: $171,186,1162017Assets 2019: $1,666,548,082Liabilities 2019: $1,463,969,339Net Assets 2019: $202,578,7432019Assets 2020: $1,960,503,159Liabilities 2020: $1,738,696,240Net Assets 2020: $221,806,9192020Assets 2022: $2,319,322,053Liabilities 2022: $2,059,825,291Net Assets 2022: $259,496,7622022Assets 2024: $2,583,325,331Liabilities 2024: $2,284,942,076Net Assets 2024: $298,383,2552024

Highlighted filing

2024

Assets$2,583,325,331
Liabilities$2,284,942,076
Net Assets$298,383,255

Operations Trend

Revenue, expenses, and net income by year, with the latest filing highlighted.

$200M$150M$100M$50M$0Expenses 2010: $15,307,4162010Revenue 2011: $17,234,267Expenses 2011: $14,247,120Net Income 2011: $2,987,1472011Expenses 2012: $14,193,2272012Revenue 2013: $16,616,915Expenses 2013: $13,631,120Net Income 2013: $2,985,7952013Revenue 2014: $32,378,969Expenses 2014: $26,514,309Net Income 2014: $5,864,6602014Revenue 2015: $49,321,790Expenses 2015: $43,166,872Net Income 2015: $6,154,9182015Revenue 2016: $53,611,099Expenses 2016: $42,266,557Net Income 2016: $11,344,5422016Revenue 2017: $59,442,822Expenses 2017: $44,993,721Net Income 2017: $14,449,1012017Revenue 2019: $80,873,180Expenses 2019: $66,411,485Net Income 2019: $14,461,6952019Revenue 2020: $81,895,335Expenses 2020: $64,286,273Net Income 2020: $17,609,0622020Revenue 2022: $96,768,342Expenses 2022: $71,319,914Net Income 2022: $25,448,4282022Revenue 2024: $162,815,780Expenses 2024: $141,862,610Net Income 2024: $20,953,1702024

Highlighted filing

2024

Revenue$162,815,780
Expenses$141,862,610
Net Income$20,953,170

Filings

Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Facts available. Structured filing facts are available, but richer extracted sections are limited.$2,583$2,285$298$163$142$21.0
2023XML pending. An XML filing is linked for this year, but detailed extraction is still pending.
2022Facts available. Structured filing facts are available, but richer extracted sections are limited.$2,319$2,060$259$96.8$71.3$25.4
2021XML pending. An XML filing is linked for this year, but detailed extraction is still pending.
2020XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$1,961$1,739$222$81.9$64.3$17.6
2019Facts available. Structured filing facts are available, but richer extracted sections are limited.$1,667$1,464$203$80.9$66.4$14.5
2018XML pending. An XML filing is linked for this year, but detailed extraction is still pending.
2017XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$1,335$1,164$171$59.4$45.0$14.4
2016Facts available. Structured filing facts are available, but richer extracted sections are limited.$1,190$1,036$154$53.6$42.3$11.3
2015XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$1,136$993$143$49.3$43.2$6.15
2014XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$1,092$955$137$32.4$26.5$5.86
2013Import issue. A filing source exists for this year, but detailed import did not complete cleanly.$470$403$66.2$16.6$13.6$2.99
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$450$386$63.1$14.2
2011Summary only. Only limited summary data is available for this year.$418$358$59.6$17.2$14.2$2.99
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$393$337$56.6$15.3
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jan 1, 2024 to Dec 31, 2024
Signed
Oct 30, 2025
Return Version
2024v5.2
Gross Receipts
$165,603,093
Mission and Program Overview

Mission

A nonprofit member-owned thrift institution organized to provide financial services to individuals. Capital credit union is a full service financial institution that offers our members multiple loan products as well as share, share draft, cd and ira products. In addition, capital serves members by offering automated teller machines, direct deposit, call 24 online banking, debit and credit cards, gift cards, safe deposit boxes, e-statements, bill pay and many other services. Capital serves over 32,000 members in outagamie, calumet, winnebago and brown counties.

Capital credit union is a full service financial institution that offers our members multiple loan products as well as share, share draft, cd and ira products. In addition, capital serves members by offering automated teller machines, direct deposit, call 24 online banking, debit and credit cards, gift cards, safe deposit boxes, e-statements, bill pay, and many other services. Capital serves over 118,000 members in 16 northeast wisconsin counties: brown, calumet, door, fond du lac, kewaunee, manitowoc, marathon, marinette, menominee, oconto, outagamie, portage, shawano, sheboygan, waupaca, and winnebago, and employees of goodwill industries of north central wi inc.

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$1,999,360,323$2,124,343,468▲ $124,983,145
Rtn Earn Endowment Incm Other Fnds$264,960,148$287,032,789▲ $22,072,641
Savings and Temporary Cash Investments$47,031,000$164,502,792▲ $117,471,792
Investments in Publicly Traded Securities$115,919,832$115,046,251▼ $873,581
Investments Other Securities$39,027,869$47,286,455▲ $8,258,586
Land, Buildings, and Equipment, Net$24,300,501$29,184,400▲ $4,883,899
Receivables From Officers Etc$19,520,567$23,744,359▲ $4,223,792
Cash and Non-Interest-Bearing Accounts$128,165,899$21,902,923▼ $106,262,976
Pd in Cap Srpls Land Bldg Eqp Fund$11,350,466$11,350,466→ $0
Intangible Assets$10,304,357$10,089,803▼ $214,554
Accounts Receivable$4,975,092$6,421,353▲ $1,446,261
Prepaid Expenses and Deferred Charges$2,457,881$2,502,977▲ $45,096
Investments Program Related$1,123,792$705,777▼ $418,015
Cap Stk Tr Prin Current Funds$0$0→ $0
Total Assets$2,428,442,866$2,583,325,331▲ $154,882,465
Other Assets Total$36,255,753$37,594,773▲ $1,339,020
Liabilities
Other Liabilities$1,965,933,726$2,100,317,827▲ $134,384,101
Mortgage Notes Payable Secured by Investment Property$145,000,000$145,000,000→ $0
Accounts Payable and Accrued Expenses$39,090,634$37,778,600▼ $1,312,034
Escrow Account Liability$2,107,892$1,845,649▼ $262,243
Total Liabilities$2,152,132,252$2,284,942,076▲ $132,809,824
Net Assets / Fund Balance
Total Net Assets Fund Balance$276,310,614$298,383,255▲ $22,072,641
Total Liabilities and Net Assets / Fund Balance$2,428,442,866$2,583,325,331▲ $154,882,465

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$16,068,185$16,484,373$32,552,558
Equipment$2,458,924$14,680,183$17,139,107
Land$7,749,778-$7,749,778
Other Land Buildings$2,907,513-$2,907,513
Compensation and Service Providers

Employees

NameTitleFull / Part TimeBaseOtherTotal
Laurie ButzPresident/CEOFT$525,379$116,226$641,605
Lisa HuguetCFOFT$238,617$69,961$308,578
David EnglebertChief Commercial OfficerFT$202,426$57,071$259,497
Michael MillhouseVP - Chief Information OfficerFT$201,463$52,781$254,244
Stephen ZichChief Marketing OfficerFT$192,278$61,890$254,168
Jonathan ProbstChief Lending OfficerFT$188,907$61,933$250,840
Wendy WohrVP - Member RelationsFT$168,190$33,533$201,723
Danielle KroeningSVP Branch OperationsFT$153,637$41,504$195,141
Tammy WilliamsChief Culture OfficerFT$167,873$23,502$191,375
Caleb DahlVP - Its OperationsFT$134,494$55,893$190,387
Patti BaniEmployee Relations SpecialistFT$143,835$28,412$172,247
Mark HoefsVP - Sr. Business Relations MgrFT$128,398$23,374$151,772
Denee MottVP - Treasury ManagementFT$141,094$8,386$149,480
Nancy RietveldDirector-$6,146-$6,146
Randall SandersTreasurer-$5,556-$5,556
Colleen Van ZeelandDirector/secretary-$4,487-$4,487
Steven FrassettoVice Chair-$858-$858

Board Members and Trustees

NameTitle
Melanie HaenChair
Heather KarczDirector
John CarrierDirector
Paul PattersonDirector
Zelalem BereDirector
Keith LuciusSECRETARY (THRU JUNE 24')

Highest Paid Contractors

ContractorServicesLocationCompensation
FiservCore Processing ServicesPO BOX 934057, Atlanta, GA 31193-4057$6,384,455
Miron Construction INCConstruction ServicesPO BOX 509, Neenah, WI 54957$5,275,297
Visa USA INCDebit Card Processing ServicesPO BOX 742233, Los Angeles, CA 90074-2233$1,526,281
Michael Walters Advertising INCAdvertising Services444 N WABASH AVE STE 4W, Chicago, IL 60611$1,318,987
Eppstein Uhen Architects INCDesign Services333 E CHICAGO ST, Milwaukee, WI 53202$662,330
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$135,073,044
Investment Income
$27,617,260
Other Revenue
$125,476
Change in Net Assets
$20,953,170

Audited Revenue Reconciliation

Revenue per Audited Statements
$162,815,780
Revenue Not Reported on Financial Statements
$0
Revenue Not Reported on Form 990
$-3,630,941
Total Revenue per Audited Statements
$159,184,839
Total Revenue per Form 990
$162,815,780
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$107,311,184
Salaries, Compensation, and Employee Benefits$34,083,097
Grants and Similar Amounts Paid$468,329
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$25,370,503
Interest---$20,185,883
Office Expenses---$7,218,984
Information Technology---$3,897,981
Other Expenses---$3,418,460
Advertising---$3,217,695
Other Employee Benefits---$3,049,903
Current Officers, Directors, Trustees, and Key Employees---$2,341,392
Depreciation Depletion---$2,171,954
Payroll Taxes---$2,095,233
Occupancy---$1,964,048
Pension Plan Contributions---$1,226,066
Fees for Services Other---$953,015
All Other Expenses---$510,634
Fees for Services Legal---$487,866
Grants to Domestic Orgs---$468,329
Fees for Services Accounting---$254,560
Insurance---$249,080
Travel---$206,044
Conferences and Meetings---$116,274
Fees for Service Investment Mgmnt Fees---$21,732
Total Functional Expenses$0$0$0$141,862,610

Audited Expense Reconciliation

Line ItemAmount
Total Expenses per Form 990$141,862,610
Expenses per Audited Statements$137,772,838
Total Expenses per Audited Statements$137,772,838
Expenses Not Reported on Financial Statements$4,089,772
Other Expense Adjustments$4,089,772
Expenses Not Reported on Form 990$0
International Activity

Grant and Assistance Recipients

RecipientLocationCategoryPurposeAmount
Boys and Girls Clubs of the Fox Valley IncAppleton, WI501(c)(3)General Support$31,396
Green Bay Police DepartmentGreen Bay, WIGovGeneral Support$27,000
United Way Fox Cities IncMenasha, WI501(c)(3)General Support$25,100
Fox Cities Performing Arts CenterAppleton, WI501(c)(3)Sponsorship & General Support$25,000
On Broadway IncGreen Bay, WI501(c)(3)Sponsorship$22,500
Goodwill Industries of North Central Wisconsin IncMenasha, WI501(c)(3)Sponsorship$20,000
Greater Green Bay Chamber of Commerce IncGreen Bay, WI501(c)(6)Sponsorship & General Support$16,599
Brown County United Way IncGreen Bay, WI501(c)(3)General Support$15,660
New North IncGreen Bay, WI501(c)(3)General Support$15,170
New Zoological Society IncSuamico, WI501(c)(3)Sponsorship$14,000
Fox Cities Chamber of Commerce & Industry IncAppleton, WI501(c)(6)Sponsorship & General Support$13,760
Kimberly High SchoolKimberly, WIGovSponsorship & General Support$12,500
Village of Bellevue PoliceGreen Bay, WIGovGeneral Support$11,512
Town of Buchanan Fire & RescueAppleton, WIGovGeneral Support$11,163
Wisconsin Humane SocietyMilwaukee, WI501(c)(3)General Support$10,650
National Multiple Sclerosis SocietyNew York, NY501(c)(3)Sponsorship$10,000
Salvation Army Fox CitiesAppleton, WI501(c)(3)General Support$10,000
Samaritan Counseling Center of the Fox Valley IncMenasha, WI501(c)(3)General Support$10,000
University of Wisconsin-green BayGreen Bay, WIGovGeneral Support$10,000
Ymca of the Fox CitiesAppleton, WI501(c)(3)General Support$9,100
Run Away ShoesAppleton, WIN/aGeneral Support$8,500
Howard Fire RescueGreen Bay, WIGovGeneral Support$8,175
Greater Green Bay Community Foundation IncGreen Bay, WI501(c)(3)General Support$8,000
University of Wisconsin Green Bay FoundationGreen Bay, WI501(c)(3)Sponsorship$7,700
St Mary Catholic SchoolsNeenah, WI501(c)(3)General Support$7,500
Town of Ledgeview Fire DepartmentDe Pere, WIGovGeneral Support$7,500
Bay Area Council on Gender DiversityGreen Bay, WI501(c)(3)General Support$6,640
Happily Ever After Animal SanctuaryMarion, WI501(c)(3)General Support$6,100
Boys and Girls Clubs of the Bay and Lakes Region IncGreen Bay, WI501(c)(3)General Support$6,060
Howe Community Resource Center IncGreen Bay, WI501(c)(3)General Support$6,050
Cerebral Palsy IncGreen Bay, WI501(c)(3)General Support$6,020
Neenah-menasha Fire RescueNeenah, WIGovGeneral Support$6,000
Rawhide IncNew London, WI501(c)(3)General Support$6,000
We All Rise African American Resource CenterGreen Bay, WI501(c)(3)General Support$6,000
Oconto Falls Fire DepartmentOconto Falls, WIGovGeneral Support$5,950
De Pere Fire RescueDe Pere, WIGovGeneral Support$5,700
Titan CEO LLCArvada, CON/aGeneral Support$5,550
CHILDREN'S MIRACLE NETWORKSalt Lake City, UT501(c)(3)Sponsorship$5,350
Curative Connections IncGreen Bay, WI501(c)(3)General Support$5,331
Insight Publications IncAppleton Wi, WIN/aGeneral Support$5,175
Hooah IncGreen Bay, WI501(c)(3)General Support$5,050
Fundraising, Events, and Gaming
Fundraising activities
No
Gaming activities
No
Professional fundraiser used
No

Fundraising and Gaming Totals

Line ItemAmount
Professional Fundraising Fees$0
Political and Lobbying Activity
Political campaign activity
No
Subject to proxy tax
No
Insider Transactions and Loans

Loans and Receivables

Line ItemBeginningEndChange
Receivables from Officers, Directors, Trustees, and Key Employees$19,520,567$23,744,359▲ $4,223,792
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Shares$2,100,317,827
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
Yes
Audit committee
Yes
Backup withholding compliance
Yes
Business relationship with 35% controlled entity
No
Business relationship with family members
No
Business relationship with organization members
No
Material changes to governing documents
Yes
Compensation from other sources disclosed
No
CEO compensation reviewed
Yes
Other officer compensation reviewed
No
Conflict-of-interest policy
Yes
Audited financial statements prepared
No
Key decisions subject to board approval
No
Management duties delegated
No

Governance Explanations

Form 990, Part VI, Section A, Line 4

During the 2024 calendar year, article iii, section 1b of the bylaws was amended to expand the field of membership to add the counties of fond du lac, marathon, portage and sheboygan. Article v, section 7 of the bylaws was amended to extend the number of days to fill a board vacancy to 90 days.

Form 990, Part VI, Section A, Line 6

Members are individuals living or working in the counties of brown, calumet, door, fond du lac, kewaunee, manitowoc, marathon, marinette, menominee, oconto, outagamie, portage, shawano, sheboygan, waupaca, and winnebago, and employees of goodwill industries of north central wi inc., that have deposits with the credit union.

Form 990, Part VI, Section A, Line 7A

The board of directors is elected by members.

Form 990, Part VI, Section B, Line 11B

The form 990 is reviewed by the president/ceo and cfo prior to submission with the irs.

Form 990, Part VI, Section B, Line 12C

The organization has a conflict of interest policy that covers all employees and board of directors. The determination and review of perceived conflict is done at the executive leadership team level. Upon determination of a conflict, the person involved in said conflict cannot participate in deliberations or decisions. Staff and officers are required to review the policy manual.

Form 990, Part VI, Section B, Line 15A

The process of determining proper compensation is completed during the board of directors' meetings.

Form 990, Part VI, Section C, Line 19

Policies are available upon request; summarized financials are posted in the branches.

Filing and Contact Details

Filer

Filer Name
Capital Credit Union
EIN
39-0394240
Phone
9204942828
Address
825 MORRIS AVENUE, GREEN BAY, WI 54304-4525

Signing Officer

Name
Lisa Huguet
Title
CFO
Phone
9204942828
Signed
2025-10-30
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Laurie Butz
Formed
1934
Legal Domicile
Wi
Voting Board Members
9
Independent Board Members
9
Employees
575
Volunteers
9

Preparer

Firm
Wipfli Advisory LLC
Address
1502 LONDON ROAD SUITE 200, DULUTH, MN 55812
Preparer
Michael J Peterson CPA
Phone
2187224705
Supplemental Narrative

Financial Statement Notes

PART IV, LINE 2B:

The credit union maintains escrow accounts associated with real estate mortgages (property taxes and insurance) on behalf of its members.

PART X, LINE 2:

The credit union may recognize a liability for unrecognized tax benefits from uncertain tax positions. Unrecognized tax benefits represent the differences between a tax position taken or expected to be taken in a tax return and the benefit recognized and measured in the financial statements. Interest and penalties related to unrecognized tax benefits are classified as income tax expense. The credit union has concluded that as of december 31, 2024 and 2023, there are no uncertain positions taken or expected to be taken that would require recognition of a liability or disclosure in the financial statements.

PART XI, LINE 2D - OTHER ADJUSTMENTS:

Expenses recorded as revenue on financial statements -4,089,772.

PART XII, LINE 4B - OTHER ADJUSTMENTS:

Expenses recorded as revenue on financial statements 4,089,772.

Raw XML AppendixShowing 400 of 1,258 raw XML fields

This appendix keeps the raw XML leaves available for debugging and edge-case review. The human report above is the primary experience.

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IRS990/AccountsReceivableGrp/EOYAmt06421353
IRS990/ActivitiesConductedPrtshpInd00
IRS990/ActivityOrMissionDesc0CAPITAL CREDIT UNION IS A FULL SERVICE FINANCIAL INSTITUTION THAT OFFERS OUR MEMBERS MULTIPLE LOAN PRODUCTS AS WELL AS SHARE, SHARE DRAFT, CD AND IRA PRODUCTS. IN ADDITION, CAPITAL SERVES MEMBERS BY OFFERING AUTOMATED TELLER MACHINES, DIRECT DEPOSIT, CALL 24 ONLINE BANKING, DEBIT AND CREDIT CARDS, GIFT CARDS, SAFE DEPOSIT BOXES, E-STATEMENTS, BILL PAY, AND MANY OTHER SERVICES. CAPITAL SERVES OVER 118,000 MEMBERS IN 16 NORTHEAST WISCONSIN COUNTIES: BROWN, CALUMET, DOOR, FOND DU LAC, KEWAUNEE, MANITOWOC, MARATHON, MARINETTE, MENOMINEE, OCONTO, OUTAGAMIE, PORTAGE, SHAWANO, SHEBOYGAN, WAUPACA, AND WINNEBAGO, AND EMPLOYEES OF GOODWILL INDUSTRIES OF NORTH CENTRAL WI INC.
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IRS990/BooksInCareOfDetail/PhoneNum09204944541
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IRS990/MissionDesc0A NONPROFIT MEMBER-OWNED THRIFT INSTITUTION ORGANIZED TO PROVIDE FINANCIAL SERVICES TO INDIVIDUALS. CAPITAL CREDIT UNION IS A FULL SERVICE FINANCIAL INSTITUTION THAT OFFERS OUR MEMBERS MULTIPLE LOAN PRODUCTS AS WELL AS SHARE, SHARE DRAFT, CD AND IRA PRODUCTS. IN ADDITION, CAPITAL SERVES MEMBERS BY OFFERING AUTOMATED TELLER MACHINES, DIRECT DEPOSIT, CALL 24 ONLINE BANKING, DEBIT AND CREDIT CARDS, GIFT CARDS, SAFE DEPOSIT BOXES, E-STATEMENTS, BILL PAY, AND MANY OTHER SERVICES. CAPITAL SERVES OVER 118,000 MEMBERS IN 16 NORTHEAST WISCONSIN COUNTIES: BROWN, CALUMET, DOOR, FOND DU LAC, KEWAUNEE, MANITOWOC, MARATHON, MARINETTE, MENOMINEE, OCONTO, OUTAGAMIE, PORTAGE, SHAWANO, SHEBOYGAN, WAUPACA, AND WINNEBAGO, AND EMPLOYEES OF GOODWILL INDUSTRIES OF NORTH CENTRAL WI INC.
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