Kenosha Police and Firemen'S

Credit-Unions

Rating: 4.1/5

Kenosha Police and Firemen's Credit Union is a Wisconsin-based credit union established in 1928, serving law enforcement and community members with savings accounts, auto loans, and personal banking services.

Official Website

https://www.creditunionsonline.com/credit-union-6182.html

Kenosha Police and Firemen'S Review

Kenosha Police and Firemen's Credit Union was established in 1928 and is headquartered in Kenosha, Wisconsin. As a state-chartered credit union operating under Wisconsin law, the institution has built a membership base over nearly a century of operation in the local community. The credit union offers a range of personal financial services including savings accounts, certificates of deposit (CDs), auto loans (new and used vehicles), personal loans, mortgages, online bill pay, and online/mobile banking access.

Members can access accounts through their website, iOS and Android mobile apps, and traditional branch services at their single location on 52nd Street in Kenosha. As a not-for-profit institution, Kenosha Police and Firemen's Credit Union emphasizes competitive rates and lower fees compared to for-profit banks. The credit union maintains a relatively modest asset base of $8.6 million and serves over 1,100 loyal members with a staff of over 4 dedicated employees.

Their membership eligibility focuses on residents of Wisconsin, with particular appeal to law enforcement personnel given the organization's founding purpose. The credit union operates with limited physical infrastructure—only 1 branch and 0 ATMs—which may present accessibility challenges for members. The website indicates current service issues and that the lobby is currently closed.

With relatively small scale operations, members seeking extensive branch networks or advanced financial products may find more options elsewhere, though the institution provides essential banking services for its core member base.

Pros & Cons

Reader-focused summary of the strongest reasons to consider Kenosha Police and Firemen'S and the factors most worth weighing before contracting. Individual outcomes depend on your credit situation and goals.

Pros

✓Established in 1928 with nearly a century of operational history and community trust
✓Not-for-profit structure offering competitive rates and lower fees than for-profit banks
✓Serves over 1,100 members with personalized service from 4+ dedicated staff
✓Offers mobile banking apps for both iOS and Android devices
✓Provides auto loans for new and used vehicles at competitive rates
✓Includes online bill pay functionality for member convenience
✓Mortgage loans available with dedicated mortgage calculator tools

Areas to Consider

!Only 1 branch location with 0 ATMs, severely limiting physical access for members
!Small asset base of $8.6 million indicates limited financial capacity and product depth
!Website currently indicates service issues and lobby closure
!Mobile app and online banking experiencing reported service outages
!Very small membership base (1,100+) may limit network benefits and product development

Verdict Summary

Kenosha Police and Firemen'S works best for consumers who value established in 1928 with nearly a century of operational history and community trust and can accept the tradeoff of only 1 branch location with 0 atms, severely limiting physical access for members. Compare against similar providers below before signing any contract.

Services & Features

Services offered

✓Savings Accounts (Regular Savings)
✓Share Draft Accounts
✓Money Market Accounts
✓Certificates of Deposit (CDs/Share Certificates)
✓Auto Loans (new and used vehicles)
✓Personal Loans
✓Mortgages (purchase, refinance, and other options)
✓Online Banking and Login Services
✓Mobile Banking Apps (iOS and Android)
✓Online Bill Pay
✓Financial Calculators (mortgage, interest rate comparison)
✓Routing Number: 275978297

Feature Checklist

✗Credit Monitoring

✗All Three Bureaus

✗Goodwill Letters

✗Cease Desist Letters

✗Debt Validation

✓Credit Education

✗Identity Theft Protection

✗Score Tracking

✗Mobile App

✓Online Portal

✓Personal Advisor

✗Ai Powered

Best For

•Law enforcement and fire department personnel in Kenosha, Wisconsin
•Wisconsin residents seeking a community-focused, not-for-profit banking alternative
•Customers prioritizing personal service and local institution relationships over branch convenience

Before You Contact Kenosha Police and Firemen'S

Before signing up with any Credit Unions provider, review these safeguards:

Confirm state licensing via your state regulator directory.
Check CFPB complaint data for the company name.
Read the contract before paying any upfront fees — most states prohibit upfront credit-repair fees.
Compare against alternative options before committing.

Compare Your Needs With Kenosha Police and Firemen'S

Match these decision factors against Kenosha Police and Firemen'S's profile before committing. This rubric mirrors what independent consumer-finance research typically checks for Credit Unions providers.

Category

Credit Unions

Service scope

12 services listed

Geographic coverage

Verify with provider

Match to your priorities

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Budget priority: Pricing published above — factor in setup, monthly, and cancellation fees over the full expected service window.
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Complexity priority: Consider Kenosha Police and Firemen'S's stated strengths (Established in 1928 with nearly a century of operational history and community trust) against your specific credit situation.
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Timeline priority: Credit Unions typically takes 3-6 months for meaningful outcomes. Providers guaranteeing overnight results are red flags under federal consumer protection law.
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Recourse priority: Confirm state licensing via your state regulator and check the CFPB complaint database before contracting.
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Alternatives: Compare against all Credit Unions providers, DIY options via non-profit counseling agencies, and free CFPB resources.

Pricing

Monthly Price: 0
Setup Fee: 0
Money Back Guarantee: False
Guarantee Details:
Free Consultation: True
Tiers: []
Currency: USD

Frequently Asked Questions

What services does Kenosha Police and Firemen'S offer?

Kenosha Police and Firemen'S offers 12 services including Savings Accounts (Regular Savings), Share Draft Accounts, Money Market Accounts, Certificates of Deposit (CDs/Share Certificates), Auto Loans (new and used vehicles), and 7 more. Confirm current service list directly with the provider before contracting.

Who is Kenosha Police and Firemen'S best suited for?

Kenosha Police and Firemen'S's profile signals suggest it may fit: Law enforcement and fire department personnel in Kenosha, Wisconsin; Wisconsin residents seeking a community-focused, not-for-profit banking alternative; Customers prioritizing personal service and local institution relationships over branch convenience. Individual outcomes vary based on your specific situation.

What are the strengths and weaknesses of Kenosha Police and Firemen'S?

Key strengths: Established in 1928 with nearly a century of operational history and community trust; Not-for-profit structure offering competitive rates and lower fees than for-profit banks; Serves over 1,100 members with personalized service from 4+ dedicated staff. Areas to consider: Only 1 branch location with 0 ATMs, severely limiting physical access for members; Small asset base of $8.6 million indicates limited financial capacity and product depth.

How does Kenosha Police and Firemen'S compare to similar companies?

In the Credit Unions category, comparable providers include Navy Federal Credit Union, Security Service Federal Credit Union, 1199 SEIU Federal CU. Each company has different strengths, so compare services, pricing, and consumer complaint records before deciding what to do next.

How much does Kenosha Police and Firemen'S cost?

Listed pricing for Kenosha Police and Firemen'S: monthly price: 0; setup fee: 0; money back guarantee: False. Pricing may change — verify current fees directly with the provider before signing any contract.

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Quick Summary

Kenosha Police and Firemen'S — Credit Unions.

Overall rating: 4.1/5

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Next Steps

Compare Kenosha Police and Firemen'S against similar options above.
Run our borrowing power quiz to see how Kenosha Police and Firemen'S matches your situation.
Check state regulator listings for Kenosha Police and Firemen'S's licensing before committing.
Visit Kenosha Police and Firemen'S once you're ready.

Glossary of Terms

Common terms that come up when comparing Credit Unions providers. Full glossary at creditdoc.co/glossary/.

Amortization — Loan Amortization: The process of paying off a loan through regular payments that cover both principal and interest. Early payments are mostly interest; later payments are mostly principal.; Why it matters: Understanding amortization explains why paying extra early in a loan saves the most money — you're reducing the principal that interest is calculated on.; Example: Month 1 of a $200,000 mortgage at 6%: your $1,199 payment splits as $1,000 interest + $199 principal. By month 300: only $47 goes to interest and $1,152 goes to principal.
Balloon Payment: A large lump-sum payment due at the end of a loan, after a period of smaller monthly payments. The loan isn't fully paid off by the regular payments — the balloon settles it.; Why it matters: Balloon payments make monthly payments look affordable but create a financial cliff. If you can't pay or refinance at the end, you could lose your home or asset.; Example: A 5-year balloon mortgage on $200,000: you pay $1,054/month (as if it were a 30-year loan), but after 5 years you owe a balloon of $186,108 all at once.
Collateral — Loan Collateral: An asset you pledge to the lender as security for a loan. If you stop paying, the lender can seize and sell that asset to recover their money.; Why it matters: Secured loans (with collateral) have lower interest rates because the lender has less risk. But you could lose your home, car, or savings if you default.; Example: A mortgage uses your house as collateral. A car loan uses your vehicle. A title loan uses your car title. If you miss payments, the lender can foreclose or repossess.
Cosigner — Loan Cosigner: A person who agrees to repay your loan if you can't. They're equally responsible for the debt, and their credit is affected by your payment behavior.; Why it matters: Cosigning helps people with thin credit get approved or get better rates. But it's a huge risk for the cosigner — they're on the hook for the full amount if you default.; Example: A parent cosigns their child's $30,000 student loan. The child stops paying after 6 months. The parent is now legally required to make the payments or face collections, lawsuits, and credit damage.
Credit Bureau — Credit Reporting Agency (Bureau): A company that collects and sells information about your credit history. The three major bureaus are Equifax, Experian, and TransUnion.; Why it matters: Not all lenders report to all three bureaus, so your reports may differ. You should check all three reports because an error on one could be costing you money.; Example: Your car loan only reports to Equifax and TransUnion. Your Experian report doesn't show that good payment history, so your Experian score is 15 points lower.
Credit Freeze — Security Freeze / Credit Freeze: A free tool that locks your credit report so no one (including you) can open new accounts until you lift it. It's the strongest protection against identity theft.; Why it matters: A credit freeze prevents criminals from opening loans in your name, even if they have your Social Security number. It's free by law and doesn't affect your credit score.; Example: Your data was in a breach. You freeze your credit at all 3 bureaus (takes 10 minutes online). A thief tries to open a credit card in your name — denied because the lender can't pull your frozen report.
Credit Mix — Credit Mix (Types of Credit): The variety of credit accounts you have — credit cards (revolving), auto loans (installment), mortgage, student loans, etc. Having multiple types shows you can manage different kinds of debt.; Why it matters: Credit mix accounts for about 10% of your FICO score. Having only credit cards isn't as strong as having a card, an installment loan, and a mortgage.; Example: Borrower A has 3 credit cards. Borrower B has 2 credit cards, a car loan, and a student loan. Even with the same payment history and utilization, Borrower B's score is typically higher.
Credit Report — Consumer Credit Report: A detailed record of your borrowing history maintained by credit bureaus. It lists every loan, credit card, payment history, collection, and public record tied to your name.; Why it matters: Errors on credit reports are common — 1 in 5 consumers has at least one mistake. Checking your report regularly is the first step to fixing errors that are costing you money.; Example: You pull your free report from AnnualCreditReport.com and find a $2,400 medical collection you already paid. You dispute it, the bureau verifies it's resolved, and your score goes up 40 points.
Credit Score: A 3-digit number (300-850) that summarizes how reliably you've handled borrowed money. Higher scores mean lower risk to lenders and better loan terms for you.; Why it matters: Your credit score determines whether you get approved and at what rate. A 100-point difference can mean thousands of dollars more or less in interest over a loan's life.; Example: On a $250,000 30-year mortgage: a 760 score gets you 6.2% ($1,536/month). A 660 score gets 7.4% ($1,729/month). Over 30 years, the lower score costs you $69,480 more.
Credit Utilization — Credit Utilization Ratio: The percentage of your available credit that you're currently using. If you have $10,000 in credit limits and owe $3,000, your utilization is 30%.; Why it matters: Utilization is the second-biggest factor in your credit score (after payment history). Keeping it below 30% helps your score; below 10% is ideal.; Example: You have 3 cards with a $15,000 total limit. You're carrying $4,500 in balances (30% utilization). Paying down to $1,500 (10% utilization) could boost your score by 20-50 points.
Default — Loan Default: When you fail to repay a loan according to the agreed terms — usually after 90-180 days of missed payments. It's the point where the lender gives up on collecting normally.; Why it matters: Default triggers severe consequences: credit score drops 100+ points, the debt may be sent to collections, you could be sued, and your wages or assets could be seized.; Example: You miss 4 consecutive car payments. The lender declares your loan in default, repossesses your car, sells it at auction for $8,000, and you still owe the remaining $5,000 (called a deficiency balance).
FICO Score — Fair Isaac Corporation Score: The most widely used credit scoring model, created by Fair Isaac Corporation. 90% of top lenders use FICO scores for lending decisions.; Why it matters: FICO has many versions (FICO 8, 9, 10). Mortgage lenders still use older versions (FICO 2, 4, 5), so your mortgage score may differ from what free apps show you.; Example: Your FICO 8 score (used for credit cards) is 740. Your FICO 5 score (used for mortgages) is 725 because it weighs collections differently. Same credit history, different scores.
Hard Inquiry — Hard Credit Inquiry (Hard Pull): When a lender checks your credit report because you've applied for credit. Each hard inquiry can lower your score by 5-10 points and stays on your report for 2 years.; Why it matters: Multiple hard inquiries in a short period suggest you're desperately seeking credit, which is a red flag. Exception: mortgage and auto loan shopping within 14-45 days counts as one inquiry.; Example: You apply for 5 credit cards in one month. Each application triggers a hard inquiry. Your score drops 25-50 points from the inquiries alone, making each subsequent application harder.
Loan Term (Tenor) — Loan Term / Tenor: How long you have to repay the loan, measured in months or years. A shorter term means higher monthly payments but less total interest paid.; Why it matters: Longer terms feel more affordable monthly but cost much more overall. A 30-year mortgage costs almost double in interest compared to a 15-year mortgage on the same amount.; Example: Borrowing $200,000 at 6.5%: A 15-year term costs $1,742/month ($113,561 total interest). A 30-year term costs $1,264/month ($255,088 total interest). You save $141,527 with the shorter term.
Origination Fee — Loan Origination Fee: A one-time fee the lender charges to process and set up your loan. It covers their costs for underwriting, verifying your information, and preparing paperwork.; Why it matters: Origination fees are usually 1-8% of the loan amount and are often deducted from your loan proceeds — so you receive less than you borrowed.; Example: You're approved for a $10,000 personal loan with a 5% origination fee. The lender deducts $500 upfront, so you receive $9,500 in your bank account but owe $10,000 plus interest.