Gundersen logo

Gundersen in La Crosse, WI

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Member-owned credit union in La Crosse, WI offering checking, savings, auto loans, mortgages, and digital banking services to local members.

Data compiled from public sources

Gundersen Review

Gundersen Credit Union is a member-owned, not-for-profit credit union based in La Crosse, Wisconsin. The institution is federally insured by the NCUA and operates as a traditional credit union serving its membership community. As of April 1st, 2026, Gundersen Credit Union merged with Dairyland Power Credit Union, expanding its member base and service capabilities.

The credit union has been operating long enough to celebrate its 55th Annual Meeting, indicating decades of community presence and stability. Gundersen Credit Union offers a comprehensive suite of financial products including checking and savings accounts, auto loans, personal loans, mortgage services, and home loans. 64% APR.

Members have access to deposit products like share accounts and share certificates (traditional credit union terminology), online banking, mobile app services, eStatements, and courtesy pay features. The credit union also offers shared branching access, expanding member convenience beyond their physical locations. Gundersen's recent digital banking infrastructure upgrade distinguishes them from legacy competitors.

They have invested in modernizing their online banking platform and launched a new mobile app designed for contemporary user experience. The credit union actively communicates with members through multiple channels and maintains multilingual support (English and Spanish). Their recent merger with Dairyland Power Credit Union suggests growth and organizational confidence.

As a credit union, Gundersen operates under different regulatory frameworks than banks and typically returns profits to members rather than shareholders. However, membership eligibility may be restricted to specific communities or employer groups, which is typical for credit unions but limits accessibility.

Services & Features

Auto/vehicle loans
Checking accounts
Courtesy pay service
Home loans and mortgage services
Loan rate quotes and calculators
Mobile app banking
Mortgage center services
Online banking platform
Personal loans
Savings accounts and share accounts
Shared branching access
eStatements

Feature Checklist

Mobile App
Online Portal
Score Tracking
Credit Education
Personal Advisor
Identity Theft Protection

Pros & Cons

Pros

  • Competitive auto loan rates as low as 4.64% APR advertised on website
  • Recently upgraded digital banking platform and new mobile app for modern user experience
  • Federally insured NCUA member providing consumer protection and stability
  • Shared branching access expands physical location availability beyond main office
  • Member-owned not-for-profit structure returns profits to members rather than external shareholders
  • Multilingual support available in English and Spanish
  • Recent merger with Dairyland Power Credit Union suggests organizational growth and strength

Cons

  • Membership eligibility may be restricted based on employer affiliation or geographic location, limiting accessibility
  • Website provides limited rate comparison details and product specifications; requires member contact for comprehensive information
  • Limited physical branch presence (primary location appears to be La Crosse, WI area) unlike larger national banks
  • Routing number visible on homepage (291881177) but no clear explanation of membership requirements or eligibility criteria
  • No mention of specific promotional rates or incentives beyond vehicle loans; other product rates not disclosed on website

State Consumer Finance Context

This is state-level context for Credit Unions consumers in La Crosse, WI. It does not confirm that Gundersen or this specific location is licensed.

State regulator

Wisconsin Department of Financial Institutions

Key state rules to check

  • Wisconsin has no usury cap for licensed lenders, allowing unlimited payday loan rates.
  • Payday loans are governed by the Wisconsin Consumer Act but without rate caps.
  • Licensed lenders must disclose APR and fees but are not limited by them.

Source: CreditDoc state-law summary and listed public regulator resources. Verify licensing directly with the listed state regulator before relying on a provider.

Mortgage Lending Transparency

Gundersen processed 22 mortgage applications in 2023, with 100% recorded as approved across 3 states.

22

Applications

100%

Approval Rate

$90K

Avg Loan

3

States Served

Approval Rate by Applicant Income

$50K–$100K
100%
$100K–$200K
100%
Over $200K
100%

Based on 22 applications. Income in thousands (reported by applicant).

States With Recorded Applications

Wisconsin 19 apps · 100%
Iowa 2 apps · 100%
Minnesota 1 apps · 100%

Source: CFPB Home Mortgage Disclosure Act (HMDA) Data, 2023. Applications include originated, approved, and denied loans.

Frequently Asked Questions

What services does Gundersen offer?

Gundersen offers 12 services including Checking accounts, Savings accounts and share accounts, Auto/vehicle loans, Personal loans, Home loans and mortgage services, and 7 more.

What profile signals are listed for Gundersen?

Gundersen has profile signals associated with La Crosse, Wisconsin residents and eligible community members seeking local credit union relationship, Consumers prioritizing digital banking experience with modern mobile app and online platforms, Borrowers shopping for competitive auto loan rates from member-owned institution, Members valuing NCUA insurance protection and non-profit credit union structure.

What are the strengths and weaknesses of Gundersen?

Key strengths: Competitive auto loan rates as low as 4.64% APR advertised on website; Recently upgraded digital banking platform and new mobile app for modern user experience; Federally insured NCUA member providing consumer protection and stability. Areas to consider: Membership eligibility may be restricted based on employer affiliation or geographic location, limiting accessibility; Website provides limited rate comparison details and product specifications; requires member contact for comprehensive information.

How does Gundersen compare to similar companies?

In the Credit Unions category, comparable providers include Air Tech, Badger-Globe, Brantwood. Each company has different strengths, so compare services, pricing, and consumer complaint records before deciding what to do next.

Quick Facts

Founded
1971
Headquarters
La Crosse, WI
BBB Accredited
No
Certifications
NCUA Insured Charter #66477
Visit Gundersen

CreditDoc Profile Note

Research Note on Gundersen

Gundersen Credit Union is profile signals for La Crosse area residents and eligible community members seeking traditional credit union services with recently modernized digital banking capabilities. Primary caveat: membership eligibility appears restricted (employer or community-based), and detailed rate information requires direct contact rather than being transparently posted online.

Profile Signals

  • La Crosse, Wisconsin residents and eligible community members seeking local credit union relationship
  • Consumers prioritizing digital banking experience with modern mobile app and online platforms
  • Borrowers shopping for competitive auto loan rates from member-owned institution
  • Members valuing NCUA insurance protection and non-profit credit union structure
Updated 2026-05-14

Similar Companies

Air Tech logo

Air Tech

CUScore is a free directory and comparison tool for exploring 4,374 federally insured credit unions across America with NCUA financial data, health scores, and branch locations.

BBB: NR

Profile signals: Consumers researching which credit union to join based on financial health and location, People unfamiliar with credit unions seeking to understand the cooperative banking model

Badger-Globe logo

Badger-Globe

Badger Globe Credit Union is a Wisconsin-based credit union offering checking, savings, loans, and digital banking services to members in the Neenah area.

BBB: NR

Profile signals: Fox Valley Wisconsin residents seeking community-oriented banking with personalized service, Consumers wanting automatic savings tools integrated with everyday debit card spending

Brantwood logo

Brantwood

Brantwood Credit Union is a member-owned financial institution serving Wisconsin since 1932, offering checking, savings, and loan services with flexible payment options.

BBB: NR

Profile signals: Local Brantwood and surrounding Wisconsin residents seeking community-focused banking with personal relationships, Credit union members preferring traditional, established institutions with long operating histories

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Quick Summary

  • Gundersen is listed as a Credit Unions provider in La Crosse, WI on CreditDoc.
  • Use this page to check contact details, location, listed services, review signals, FAQs, and similar providers before deciding what to do next.
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