Capital Off the Cuff

Things you actually want to read. That's all we plan to put out here. Educational, informational, slightly silly... but always completely honest content that's relevant. New posts will be showing up regularly, so don't forget to check back!

Explore off the cuff

In for a bit of light reading? From business ownership to dog ownership (yup we write about that too), find the topics you're interested in with just a couple clicks. 

Puppy in car looking out the window.

Should I Auto Finance With a Credit Union or Dealership?

Discover a world of options with Capital CU auto finance. Get low rates, convenience, and protection whether you choose credit union or dealership financing. ...

Happy couple and golden retriever inside of a new home with boxes surrounding them.
Personal Finance

Credit Unions Have the Best Home Loan Rates in Northeast Wisconsin

A home is likely to be one of the most exciting purchases you’ll ever make. It’s also likely to be one of your largest investments. So why not try to save as much money as possible on your home loan purchase? ...

Women counting cash from the register.
Personal Finance

How To Choose the Best Wisconsin Credit Union for Your Banking Needs

Looking for the perfect Wisconsin credit union? Discover how to make the right choice for your financial needs. Explore savings, loans, investments, and more. ...

Lady in glasses holding credit card and looking browsing digital banking app her phone

What’s So Special About the Capital Cha Ching Account?

As kids, we all loved the sound of shiny new coins being dropped into our piggy banks. Cha Ching! Knowing that we had a little something to spend on candy or for a bigger toy or a special event, if we were saving up, gave us a sense of pride...

Lady smiling in new car.

Is It Better to Get an Auto Loan With a Private Lender?

Discover whether a private lender is right for your next auto loan or if there is a better option, such as a Capital auto loan from Capital Credit Union. ...

Man sitting in his new car holding the keys.

5 Benefits of a Credit Union Auto Loan

A credit union auto loan is often the most cost-effective loan choice, as credit unions offer lower interest rates and fees and added benefits for members. ...

man in a red shirt looking at phone and credit card

You Might be Getting Catfished

If you don’t know what it means to be catfished then you’ve probably never had it happen to you - which is good news. Getting catfished means someone created a fake profile on one or more social media platforms or dating apps and filled in all the details to convince...

Capital Credit Union staff gathered together wearing t-shirts promoting mental health awareness

Let Your Inner Voice Out

Mental health is not talked about enough, it is something that is not voiced or expressed. When Capital Credit Union decided to partner with mental health organizations, we knew that we wanted to start the conversation about mental health and mental illness. We wanted to remove the stigma and encourage...

couple and blueprint.

5 Tips for Finding the Best HELOC Rates in Wisconsin

HELOCs allow homeowners to access the equity they’ve built up in their homes. Check out our expert tips for securing the best HELOC rates in Wisconsin. ...

couple budgeting
Personal Finance

How to Create a Monthly Budget

To have a handle on your cash flow, you need to know how much money you have coming in and going out. Learn more about budgeting from your local Wisconsin credit union. ...

Couple on laptop.

What Are My Options for Capital Credit Union Checking Accounts?

Having a Capital checking account comes with knowing your money is securely stored and insured and the benefits of an account that is member centered. Learn more. ...

College graduate holding diploma.

What Bonuses Come With the Capital Cha Ching Checking Account?

If you’re in the market for a new checking account, you’ll be impressed when you learn more about the Cha Ching checking account and its bonus options. ...

couple in front of a new car holding keys.

How Do You Find a Great Auto Loan in Northeast Wisconsin?

When shopping for a new car, start by researching financing. Explore different lenders and auto loan rates in Wisconsin so you can find the best rate. Learn more. ...

older coupe giving each other a high five.

What Can I Do With a Home Equity Loan in Northeast Wisconsin?

With a home equity loan in Wisconsin, you can finance a loan with lower interest rates and use that money however you need. Explore how this works. ...

couple shaking hands with a man in suit.
Personal Finance

5 Reasons to Open an Account With a Credit Union in Northeast Wisconsin

Credit unions offer countless benefits and resources to members. Explore the benefits of opening an account with a credit union in northeast Wisconsin instead of a bank. ...


Buying with Paws in Mind

From building equity, to having a place to make your own, or even finding space to bond with your furry friends. There are plenty of reasons we desire to buy a home. You may value being close to a park or avoiding an HOA. We consider many different factors when...

Male and female looking at paper

Your Deposits Remain Safe and Insured

Recent events within the financial industry can make us think about our financial institution's stability. Capital Credit Union is financially sound! ...

stressed man in santa hat

The Most Fraudulent Time of the Year

Ahh, the holiday season. A time when your inbox may be just as full of scammers as your stocking is with candy. If you’re reading this, chances are you’ve received some sort of fraudulent message recently. Whether it be an “iffy” text message, a questionable email, or even someone requesting...

Woman in santa hat holding her smartphone and credit card

Season of Spending

“Gotta hurry to the sale!” No, you don’t. Fear Of Missing Out (FOMO) may cause you to feel a sense of urgency, a need to immediately respond to the “BIG SALE!” as you prepare for the holidays. But if my email inbox is any indication, there will be another one...

Phone Screen of new Capital Credit Union website

New Site, Same Us

Fall comes around every year without fail. With it, comes the changing of the leaves, faint aromas of pumpkin spice, over-sized hoodies, and in our case this year - a new website. ...

Middle aged female business owner opening door to her shop

All Work and No Play

Managing your own business has its perks. You’re the boss. The master of your own domain. The buck stops with you. It’s exhilarating... But also exhausting. So, like placing your own air mask before assisting others, it’s important to take care of YOU and find a healthy work/life balance. ...

Two middle aged men giving each other a friendly and  supportive hug

No Job, No Paycheck, Same Identity

Before you let the panic completely overwhelm you, consider letting someone who can give you a solid set of options look over your financial situation. It can be tough to get your bearings when your thoughts are running a million miles a minute, and having someone show you what directions...

Two middle aged women shaking hands and chatting with a smile
Personal Finance

No Stupid Questions, No Stupid Answers

You and I would probably agree that no one can be an expert at everything in the world, and everyone looks to an expert for help or advice at some point in their lives. Yeah, you could turn to Google for an answer, and the internet is great for finding...

Young mother in sunglasses pushing a baby stroller in her sweatpants and casual wear outside
Personal Finance

Sweatpants Welcome

Who knows where it started, but there’s a misconception that putting on a suit will make you more likely to get a loan. Movies show this all the time! Someone is in desperate need of cash, so they put on their Sunday best and head to the bank (or credit...

Middle aged mother and father hold their son's hands swinging him playfully as they go to the beach
Personal Finance

That's a Whole Lot of... VALUE

If getting up every morning and hitting Starbucks on your way to work is important to you, then do it. If building a race car is your dream, and that’s what motivates you to go to work every day, then go for it. It boils down to what you personally...

Middle aged mother rubbing noses with giggling daughter at the kitchen table at home

The More You Know: Mortgages

When you hear the word “mortgage,” what sort of reaction do you have? For most people, it's panic or distraught. Me though? I love ‘em! That, however, is because I get to work with them every day. Well, I should say, I get to work with the people who work...

Young woman engaging in a conversation over her cellphone as she holds a pen in the other hand
Personal Finance

Who's Really in Charge?

Somewhere, we lost sight of who is doing whom a favor. Financial institutions make money on interest… it’s their bread and butter. If you have average to good credit, you are doing them the favor, not the other way around. You have the right to ask questions and try to...

Young smiling woman fueling her car at the gas pump


Even if you don’t follow the news or subscribe to a nifty podcast for your worldly updates, you have likely felt changes happening within your wallet. The chicken you’ve been ordering through the pick-up app at your local grocery store may have been your first tip. Some of our essentials...

Three young women posing for a group photo with a valentines day themed prop

Paint it Pink

The truth is, you can go almost anywhere and find a checking account that will work for you. Some are fancier than others, and some have less fees than others, but overall… the financial institutions pretty much leveled the playing field in the checking account game. ...

Middle aged man giving wife a small box wrapped in red ribbon containing an expensive holiday gift

Avoiding the Holiday Hangover

Ah, the holiday season. As soon as Thanksgiving ends you can’t go anywhere without hearing the familiar sound of classic carols and smelling a faint pine scent wafting from some undisclosed location. Is it a pine scented candle, or is it a real pine tree? Nobody knows and nobody cares...

Young woman peacefully relaxing at home and breathing deeply with a mug of soothing tea

The Reason We Should

Like so many in our community, our employees have stressed over getting sick at work. They’ve faced branch closings due to COVID cases, covered other locations to keep them open, watched co-workers struggle with COVID recovery, and quarantined when exposed to protect others. So, with gratitude and appreciation for all...

Young man talking on a cellphone with a smile while looking at documents on his desk
Online Services

Virtual Sunshine Welcome

We believe in making the most out of each day and recognize that dealing with your finances, or coming into a branch, is often times the least exciting thing in your day. That doesn’t have to be the case, and we’re working on new ways to connect with you, as...

Middle aged woman opening oven door in her kitchen to check on what she's baking

We're a Lot Like Fruitcake

We know the holiday season of 2020 will be unlike anything we have experienced before. Whether you are visiting people or not, stress levels will be high. It will come with new questions: Should I get presents for Grandpa? Can we visit our aunt in Minnesota? Will I be allowed...

Person eating cup ramen at desk in front of laptop


There’s no doubt that broke jokes are pretty funny. It’s not uncommon to see jokes like these, laugh, and keep scrolling without putting much thought into it. Maybe you see one and think “I can relate.” A lot of times, though, they’re the kind of funny that makes you laugh...