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CoVantage Credit Union

Credit unionVerified from lender site on 2 Nov 2026

Credit union in Antigo, Wisconsin, on the CDFI Fund's list of certified CDFIs (as of 21 Oct 2026).

Type
Credit union
Based in
Antigo, WI
Certified
13 Feb 2014
Loan types found
1

At a glance

From its website, read 2 Nov 2026

CoVantage Credit Union is a credit union based in Antigo, Wisconsin. Its website describes home mortgages. Where it lends: Michigan, Wisconsin and Illinois. The consumer loan APR it states is 3.99%. You can start an application online.

Each point is backed by a quote further down this page. Terms change: confirm with the lender.

How to reach them and apply

Apply onlinePage with the application link
Websitewww.covantagecu.org
Office (official list)PO Box 107, Antigo, WI 54409

Phone numbers and addresses are the ones on the lender's own site and the CDFI Fund list. CDFI Atlas does not take applications.

Rates and terms they state

Read 2 Nov 2026
LoanStatedText on the lender's site (verbatim)Page
Loans (general)Rate: 3.99% APR3.99% APR for 6 months,source

As published on the lender's website on that date, not an offer or a quote. Your rate depends on the lender's review. A missing rate means the pages we read did not state one. For consumer loans we repeat a rate only when the lender states it as an APR (annual percentage rate, which includes fees); otherwise read the lender's own wording and ask for the APR.

Official record

CDFI Fund list, 21 Oct 2026
Institution typeCredit union
Native CDFINo
Date certified (as listed)13 Feb 2014
RSSD ID989794
AddressPO Box 107, Antigo, WI 54409 Directions to the main office (Google Maps)
Websitewww.covantagecu.org

Loans and eligibility

Verified from lender site on 2 Nov 2026

Read from 7 pages of the lender's website on 2 Nov 2026. Quotes are verbatim. Extracted with AI help from the pages listed below and checked automatically against them. Not reviewed by a person. Confidence: low. Loan product pages were blocked by a bot-check page, so only the home page was read. Terms change — confirm with the lender before applying.

ProductAmount statedText on the lender's site (verbatim, incl. menu labels)Page
Home mortgages—Access funds for home improvements, debt consolidation, unexpected expenses, and more with a Home Equity Line of Credit.source

Loan sizes

No amounts stated on the pages we read.

Service area

Michigan, Wisconsin and Illinois

MI, WI, and IL Credit Union source

Statewide: Illinois, Michigan, Wisconsin

Borrower focus

  • Not stated on the pages we read.

Languages

  • No non-English service found on the pages we read.

Online application

Yes — the site links to an application. Apply For A Loan source

Pages read (7)

Questions to ask when you contact them

Based on what their website said when we read it on 2 Nov 2026, and what it left out. Something missing here does not mean they don't offer it: ask.

  1. How do I become a member, and is there a fee or a minimum deposit?
    Credit unions lend only to their members.
  2. What are the smallest and the largest loans you make?
    No loan amounts are stated on their website.
  3. Is there a minimum credit score, and do you consider borrowers with little or no credit history?
    Their website does not say what credit history they accept.
  4. How long can I take to repay?
    No repayment terms are stated on their website.
  5. Do you offer down-payment help, and is a homebuyer education course required?
    CDFI home loans often come with homebuyer education or down-payment help; their website does not say.
  6. What documents will you need from me, and how long does a decision usually take?

Write down the answers, who you spoke to and the date, and ask for the terms in writing before you sign.

CDFI Fund awards

CDFI Fund database, 3 Nov 2026

$10.3 million in 10 awards from the U.S. Treasury's CDFI Fund, 2011–2024 (CDFI Program, Financial Assistance; CDFI Rapid Response Program; Disability Funds, Financial Assistance).

Round yearProgramAmount
2024CDFI Program, Financial Assistance$725,000
2022CDFI Program, Financial Assistance$660,000
2021CDFI Rapid Response Program$1,000,000
2020CDFI Program, Financial Assistance$657,000
2019CDFI Program, Financial Assistance$674,000
2019Disability Funds, Financial Assistance$100,000
2017CDFI Program, Financial Assistance$1,006,905
2015CDFI Program, Financial Assistance$2,000,000
2014CDFI Program, Financial Assistance$2,000,000
2011CDFI Program, Financial Assistance$1,500,000

These are awards and investments made to the institution itself to build its capital and capacity. They are not loans to borrowers, and an award does not mean the lender has money available for a particular loan today.

Source: CDFI Fund Searchable Awards Database, all 12,628 award records (1996–2025), read 3 Nov 2026. Years are the award round as the database lists it. Matched to the official CDFI list by exact name and state; see the method on the About page.

Branches and size

NCUA, 30 Jun 2026

On file with the NCUA as COVANTAGE (charter 66848). Source: NCUA 5300 Call Report quarterly data (public data) as of 30 Jun 2026, downloaded 3 Nov 2026: total assets, members and branch addresses.

Total assets$4.2 billion (as of 30 Jun 2026)
Members186,054 (as of 30 Jun 2026)
Offices23 in 3 states (as of 30 Jun 2026)
Offices by state and county (23)

Wisconsin (18 offices)

  • Brown County (2): 1225 Lawrence Dr, De Pere 54115; 1670 Sunset Beach Rd, Suamico 54173
  • Calumet County (1): 1305 Oneida St, Menasha 54952
  • Forest County (1): 502 W Pioneer St, Crandon 54520
  • Langlade County (2): 723 6th Ave, Antigo 54409 (main office); N11333 Antigo St, Elcho 54428
  • Marathon County (4): 1585 County Road Xx, Rothschild 54474; 151220 Baltimore Ln, Wausau 54401; 303 S 1st Ave, Wausau 54401; 4903 Schofield Ave, Weston 54476
  • Oneida County (1): 905 Boyce Dr, Rhinelander 54501
  • Outagamie County (2): 665 W Ridgeview Dr, Appleton 54911; 101 E Kelso Rd, Kaukauna 54130
  • Portage County (2): 2931 Post Rd, Plover 54467; 1200 Badger Ave, Stevens Point 54482
  • Shawano County (2): 604 S Main St, Shawano 54166; 911 E Green Bay St, Shawano 54166
  • Winnebago County (1): 625 Deerwood Ave, Neenah 54956

Illinois (2 offices)

  • Will County (2): 19102 88th Ave, Mokena 60448; 1000 E Lincoln Hwy, New Lenox 60451

Michigan (3 offices)

  • Iron County (2): 1 Credit Union Way, Crystal Falls 49920; 303 N 4th Ave, Iron River 49935
  • Menominee County (1): 1011 23rd Ave, Menominee 49858

An office shows where the lender has a branch, not where it lends or whom it lends to. Credit unions serve members only; check who can join. For the ZIP-code search, credit-union offices are placed at the centre of their ZIP code (approximate).

What the regulator filing shows

NCUA 5300, 30 Jun 2026

Figures from the 5300 Call Report filed by CoVantage Credit Union (NCUA charter 66848, filed as “COVANTAGE”). Source: NCUA 5300 Call Report quarterly data (public data), cycle 30 Jun 2026; year-earlier figures from the 30 Jun 2025 cycle; downloaded 3 Nov 2026.

Total loans and leases$3.43 billion, 140,717 loans (as of 30 Jun 2026)
Change over the yearUp 9.3% from $3.14 billion on 30 Jun 2025
Members186,054 (as of 30 Jun 2026); 176,994 (as of 30 Jun 2025)
Loans per member$18,423 (total loans divided by members, 30 Jun 2026)
Total assets$4.21 billion (as of 30 Jun 2026)

Loan mix (balances on 30 Jun 2026)

Loan categoryBalanceShare
New vehicle loans$156.4 million4.6%
Used vehicle loans$606.5 million17.7%
First-lien home mortgages (1-4 family)$1.33 billion38.7%
Other real estate loans (junior liens, other)$216.3 million6.3%
Commercial (business) loans$921.6 million26.9%
Credit cards$52.2 million1.5%
Other unsecured loans$73.5 million2.1%
Leases and other secured loans$75.6 million2.2%

Balances are loans outstanding on the report date, not loans made during the year. A category with no balance does not mean the credit union never makes that kind of loan. Credit unions lend to members only; check who can join.

Home loans reported under HMDA (2025)

FFIEC HMDA data, 2025

CoVantage Credit Union reported 4,062 originated home loans for 2025 under the Home Mortgage Disclosure Act, totaling about $613.5M (median loan about $85,000). 1,004 were home-purchase loans.

By loan purpose

PurposeLoansShare
Home purchase1,00425%
Refinance (incl. 875 cash-out)1,95148%
Home improvement110.3%
Other purpose1,09627%

By loan type

Loan typeLoansShare
Conventional4,061100%

Included above: 2,095 home-equity or other open-end lines of credit; 139 loans on manufactured homes; 33 loans on multifamily (5+ unit) properties.

Where the loans were made

Counties with the most 2025 originations, out of 102 counties with at least one; 89% of its 2025 loans were for properties in Wisconsin:

  • Marathon County, WI (993)
  • Shawano County, WI (427)
  • Langlade County, WI (400)
  • Portage County, WI (239)
  • Oneida County, WI (206)
  • Iron County, MI (179)
  • Lincoln County, WI (177)
  • Brown County, WI (173)

Filed under LEI 254900CIEUZUO7CHPG88 as “COVANTAGE CREDIT UNION”; matched by its RSSD ID on the CDFI Fund list, which the HMDA reporter panel links to this LEI.

Source: FFIEC Home Mortgage Disclosure Act (HMDA) data for 2025, snapshot frozen 2 Jun 2026, loan-level records read through the CFPB HMDA Data Browser API on 3 Nov 2026. Originated loans only; applications that were denied, withdrawn or not accepted are not counted. HMDA publishes each loan amount as the middle of a $10,000 band, so totals and medians are approximate. Counts under 3 are not shown. How we match lenders.

How it compares

Computed from public data
MeasureThis lenderCompared with
SBA approvals, FY2023–24 → FY2025–262 → 6Rank among the 5 certified CDFIs in Wisconsin with SBA approvals in either period: 3 → 2.
Total assets (Call Report, 30 Jun 2026)$4.21 billionLarger than 98% of the 284 other certified credit unions nationwide (median $181.2 million).
Loans as a share of assets81%Median of the same 284 credit unions: 69%. A higher share means more of its balance sheet is lent out.
Loans held, 30 Jun 2025 → 30 Jun 2026$3.14 billion → $3.43 billion (+9%)Median change of 282 other certified credit unions nationwide: +3%. Rank by loans held among these 283: 6 → 5.
Home loans originated in 2025 (HMDA)4,062More than 99% of the 263 other certified CDFIs that reported 3 or more (119 at the median). Volume only; nothing here is an approval rate.
How these comparisons were worked out
MeasurePeer group (this lender left out)PeersWhere this lender sits
SBA approvals then vs nowcertified CDFIs in Wisconsin with SBA approvals FY2023–20264rank 3 → 2 of 5
Call Report total assetsother certified credit unions nationwide284larger than 98%
Loans held then vs nowcertified credit unions nationwide reporting both dates282rank 6 → 5 of 283
HMDA home loanscertified CDFIs with 3+ originations in 2025, nationwide263more than 99%

“Larger than X%” = the share of the peer group with a smaller value. Ranks count from the largest. Peer groups use the lender's home state when it has at least 5 peers, otherwise the whole country. Full definitions: methodology.

For comparison, not an offer and not a rating. Past records show what this lender did, not what you would be offered; your rate depends on the loan and on the lender's review. Peer groups and sources: methodology. SBA 7(a) & 504 FOIA data as of 30 Sep 2026. Assets and loans: FFIEC and NCUA Call Reports (see the loan-mix section). Home loans: FFIEC/CFPB HMDA data.

SBA loans approved

SBA data as of 30 Sep 2026

The SBA's public loan data lists 10 SBA-backed approvals for CoVantage Credit Union in fiscal years 2020–2026 (October 2019 to September 2026):

  • 2 7(a) loans as the lender
  • 8 504 projects as the third-party (first-lien) lender: $4.6M in total (its own third-party loan amount), median $558,000

By fiscal year: FY2020 0 · FY2021 1 · FY2022 1 · FY2023 1 · FY2024 1 · FY2025 3 · FY2026 3.

By program

  • 504 projects (as the third-party lender) (8, 80%)
  • 7(a) standard (2, 20%)

Borrower industries

NAICS sector, 3 or more loans.

  • Manufacturing (4)

How this lender was matched in the SBA files: 504 third-party lender name: same name, state and city (SBA lists “CoVantage CU”); NCUA charter 66848, found through the RSSD ID in NCUA records (SBA lists “CoVantage CU”).

Approved is not the same as paid out: an approved loan can be reduced or never drawn. SBA lists the lender each loan is currently assigned to, which can differ after a merger or loan sale. CoVantage Credit Union may also make loans outside SBA programs, which are not counted here, and SBA Microloans are not in these files. For 504 projects, the CDC amount is the SBA-backed portion and the third-party lender amount is that lender's own first-lien loan.

Source: U.S. Small Business Administration, 7(a) & 504 FOIA loan data, files as of 30 Sep 2026, downloaded 3 Nov 2026. Our counts, cancelled approvals left out. How we match lenders.

Other certified CDFIs in Antigo and Wisconsin

All 20 CDFIs in Wisconsin

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Source: CDFI Atlas, cdfiatlas.com/lenders/covantage-credit-union/. © 2026 CDFI Atlas. Quoting with a link is welcome; republishing the pages or the compiled data is not (terms of use).