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COVID-19 Updates

(last updated 5/28/20)

Information surrounding the COVID-19 outbreak continues to evolve, and the impact has brought about significant change.  For the safety of our teams and members, we will no longer be opening our branch lobbies as previously announced.  A reopening date will be decided on and communicated once we have taken the appropriate precautionary measures to safeguard our teams and branch facilities. 

Our leadership team will continue to monitor the situation and reopen the lobbies subject to public health conditions and in accordance with the CDC guidelines for cleaning and disinfecting.  While we’ve already begun increased internal safety measures, we will be implementing some interim operational changes that may affect your experience with us.  We ask for your patience and understanding as we navigate these uncertain times. 

At this time, we will be limiting in-branch personnel as well as temporarily reducing our drive-up hours (7:00 a.m. to 5:30 p.m. M-F and 8:00 a.m. to 1:00 p.m. Sat.). While these temporary changes may increase wait times, we are still available to serve your everyday banking needs using the options below.   We appreciate your patience as we work to ensure the safety of our teams while continuing to serve you.

CARES Act: Economic Impact Payment Guide


Application and Payment Information

There is no application process or requirement to receive your Economic Impact Payment.  If you are eligible, your payment will automatically be sent to you via the payment method you have on file with the IRS, or the same way you normally receive your tax refund

  • Direct deposit. If you received your 2019 or 2018 tax refund through a direct deposit, your payment will be electronically deposited into the account where you received your refund.  You can check the status of your payment via online banking at or through the FCCU Mobile app.  Your payment will display in your transaction history once it has arrived.
  • Paper check. If your last tax refund was a paper check, your payment will be sent you in the mail. Download the FCCU Mobile app to deposit your paper check and access your money.

To ensure timely receipt of your Economic Impact Payment we suggest you validate that the IRS has your correct Direct Deposit information on file.  If you don’t receive your payment over the next couple of weeks, you may update your information using the Get My Payment application on the IRS website

The IRS will begin distributing Economic Impact Payments this week via direct deposit and will tier deposits each Wednesday for the next several weeks. Paper check disbursements will be distributed the beginning of May and could take up to 20 weeks to receive. 

Payment Eligibility and Amounts

You will be eligible for payment if you have a Social Security number with an adjusted gross income less than:

  • $99,000 if your tax filing status was single or married filing separately
  • $136,500 for head of household (single, widowed or divorced with dependents)
  • $198,000 if your tax filing status was married filing joint

If you’re a senior citizen, receive Social Security benefits or are a railroad retiree, and don’t usually have to file a tax return, you could still be eligible for payment.  Visit the IRS website for additional information on eligibility.

Payment amounts will vary, however, we’ve provided some typical amounts below.  You can also calculate your anticipated payment using the Economic Impact Payment Calculator on our website.  You’ll need to reference your most recent tax filing to calculate your payment.  If you haven’t filed your 2019 taxes yet, use your 2018 tax information.  Note: The deadline to file your 2019 tax return has been extended to July 15, 2020. 

  • Single filers who earn less than $75,000 a year, will receive up to $1,200, plus up to $500 for each qualifying child they claim as a dependent. If you earn $75,000-$99,000, you’ll receive a smaller amount, depending on your earnings.
  • Joint filers who earn less than $150,000 a year, will receive up to $2,400, plus up to $500 for each qualifying child they claim as a dependent. If you earn between $150,000-$198,000, you’ll be eligible for a partial payment.

Savings Strategies

The US government organized Economic Impact Payments to help provide financial relief for those affected by the COVID-19 pandemic.  While many of you may be facing job loss, or loss of income due to increased expenses (i.e. childcare, etc.), we’ve suggested a few savings strategies to help you conserve your payment and position yourself for future financial success.  Check out our blog post at  Additionally, information on FCCU’s COVID-19 financial relief resources can be found here.


Everyday Banking

While our lobbies remain closed, there are various ways you can stay in touch with us as we offer many options to serve your banking needs. 


Online and Mobile Banking

We encourage you to manage your accounts using online banking at or by downloading FCCU’s mobile banking application. With FCCU’s online banking you can check balances, transfer money between accounts, pay bills, access your eStatments and more!  Download our mobile app for added features like mobile deposit and person-to-person payments.

New Accounts or Loan Applications

Apply online or by phone!  You can open an account or apply for a loan right from the comfort of your couch.  Not only that, but we can also send you all required paperwork electronically for signature.  It’s easy!  Visit to get started!

Drive Ups (ITMs), ATMs, and Night Depository Boxes

Our drive up  services will remain available from 7:00 a.m. to 5:30 p.m. Monday through Friday and 8:00 a.m. to 1:00 p.m. on Saturdays. The drive ups at each branch are equipped with Interactive Teller Machines (ITMs).  Not only will you be assisted by a friendly FCCU face, but the ITM technology allows you to conduct almost all the same banking transactions you would conduct in-branch. Additionally, the majority of our ITMs serve as ATMs, so if you just need access to some quick cash, feel free to swing by and use the ATM service at any of our branch locations or visit one of the 32,000 surcharge-free ATMs in our network.  Click here for details on our surcharge free networks or to locate an ATM near you.  Members may also continue to use the night depositories at each of our branch locations.  FCCU team members will be monitoring them and posting deposits promptly.

Call, Email, or Schedule an Appointment

Our care center will continue to be available for phone calls from 7:00 a.m. to 6:00 p.m. Monday-Friday and 8:00 a.m. to 1:00 p.m. on Saturdays. Give us a call at 920-563-7305 between these hours and we’ll be happy to assist you with any questions or concerns you may have.  Please note, we may experience higher than normal call volumes, so please be patient with us as we assist members with inquiries.

If you would prefer, you may also contact us using the contact us form on our website at or by emailing us at [email protected]  If you are unable to conduct your banking needs online or over the phone due to technological reasons, you may reach out to us to schedule an appointment.


Financal Relief Resources

As your financial partner, we're here for you, and we're committed to helping you get through these difficult times. We realize you may be struggling financially due to unprecedented circumstances, and we want to help provide you with financial relief.  Below are a  few options we are offering to help you navigate your financial challenges.


Emergency Relief Loan

During this time, FCCU is offering a low-rate, 1.99% APR** Emergency Relief Loan with 90-days no payments**. Borrow the money you need for COVID-19 related loss of income or an increase in expenses (childcare, etc.).  Apply online at or call us at 920-563-7305.  We can send the paperwork to you electronically and drop the funds right into your FCCU checking or savings account.

Fee Waiver

Given the current circumstances, we are waiving instant issue debit card fees and phone transfer fees.  It's your money, and we want you to have access to it when you need it, fee free.  If you'd like to link a debit card to your account or transfer funds over the phone, please give us a call at 920-563-7305.

Skip Your Monthly Credit Card Payment***

If you're an FCCU credit card holder and your account is in good standing, you'll have the ability to skip your May, June, and July payment. You'll still receive a statement each month, but the minimum balance due will show as zero. If you need the financial relief, simply choose to skip your payment.  We also increased your line of credit by $500 for piece of mind.  If you would like you would like this limit lowered, please give us a call at 920-563-7305.

If you have automatic payments set up, but would like to skip your payment any of these months, simply log in to the credit card portal via online banking to change your payment amount, or contact us at 920-563-7305.   

Loan Deferrals

If you are struggling financially and are concerned about your upcoming loan payment, be it a mortgage, business, personal or auto loan, please reach out to us to discuss your personal financial situation.  We're here to help.

Small Business Resources

For current FCCU business members we are offering up to a 90-day deferral on loan payments. While FCCU is not an SBA approved lender, if you are a small business owner and are seeking support during this time, we recommend you visit the U.S. Small Business Adminstration website for further guidance.  You may also contact one of our Commercial Loan Officers by phone or email.  Additionally, you may find the Wisconsin Credit Union League's article titled "4 Tips for Credit Union Business Members During COVID-19" helpful during this time.

Small Business Paycheck Protection Program

The Paycheck Protection Program provides nearly $350 billion for small business assistance through federally guaranteed loans.  The loan can cover payroll support, employee salaries, rent, utilities and other debt obligations as small businesses recover from the economic impacts of COVID-19.  Loans are available for up to 250% of an employer's average monthly payroll, with a maximum loan of $10 million.  FCCU has partnered with Kabbage to connect eligible small businesses with Paycheck Protection Program loans offered through the Small Business Administration (SBA). Click here to apply for federal relief through the Paycheck Protection Program.


Safety & Security

The safety and security of our members is our top priority.  Below are some helpful resources that will offer you guidance and peice of mind.


Be Wary of Scams

Your security is important to us. During this time it is typcial to see an increase in fraud scams again consumers.  If we need to reach out to you regarding matters pertaining to your accounts, we will not ask for confidential information such as your name, password, personal identification number (PIN) or other account information. Please be wary of scams during this time, See the Federal Trade Commission's advice for consumers to protect yourself from scams.

NCUA Insured

Your money is safe with us.  Not only is FCCU incredibly sound, but we are federally insured by the National Credit Union Association (NCUA), a U.S. government agency.  That means that your deposits are insured up to at least $250,000 per individual depositor.  If you would like to learn more about the NCUA Share Insurance Fund, click here



As our situation changes, we will post service updates here and will continue to share relevant and timely information on our Facebook page.

You’re not in this alone, we're here for you.  If you have questions or concerns, please do not hesitate to reach out to us.  We’re invested in you, with you, for you.  Below is a video message from our CEO, Sue Johnson, on FCCU's response to COVID-19. 



*APR is Annual Percentage Rate.

**Interest will be charged to your account during the 90-day no payment period. Borrow up to $6,000 based on three (3) months net income.

***Interest will continue to accrue on existing credit card balance.

Membership eligibility required.