SCCU's holiday hours

Please note the following changes to Superior Choice Credit Union's hours due to the upcoming holidays:

  • Christmas Eve - Monday, December 24, 2018: All branches and offices will close by 1 p.m.
  • Christmas Day - Tuesday, December 25, 2018: All branches and offices are closed for the day.
  • New Year's Eve - Monday, December 31, 2018: All branches and offices will close by 3 p.m.
  • New Year's Day - Tuesday, January 1, 2019: All branches are offices are closed for the day.

Our online banking services, mobile app, and ATMs are available for our members 24/7. For assistance with lost or stolen debit and credit cards, click here for contact informaiton.

Thank you for your understanding while we close so that our staff can enjoy the holidays with friends and family.

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Important year-end tax information for members who receive eStatements

This message is to alert members who are enrolled to receive eStatements that the tax information that is being provided to the IRS will be reported on their December 2018 electronic account statement (eStatement). No paper copy of the 1099-INT tax form will be mailed.

For members who have signed up for eStatements, tax information can be viewed after January 1, 2019, by accessing the December 2018 statement in online banking as usual.

Please contact us if you wish to discuss deactivating eStatements prior to December 31, 2018. Please note: online banking users who are not enrolled in eStatements will receive a paper statement fee. Click here to view SCCU's fee schedule. Some products, such as AMP Checking, require enrollment in eStatements in order to receive a qualifying rate. Please consider these factors before deactivating eStatements.

Thank you for choosing eStatements!

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Dairylandstatebank.com web address will redirect starting Monday, Dec. 10

Starting Monday, December 10, 2018, www.dairylandstatebank.com will redirect to www.superiorchoice.com/dairyland — a special web page set up for the former customers of Dairyland State Bank.

Superior Choice Credit Union acquired Dairyland State Bank on August 31, 2018 but until the two financial institutions can combine technology systems, former Dairyland State Bank customers should use this special web page to log in to their online banking account and order checks online. The special web page at www.superiorchoice.com/dairyland is for Dairyland State Bank customers who joined the institution prior to August 31, 2018. Accounts that were opened after August 31, 2018 and enrolled in online banking can use the standard Superior Choice Credit Union online banking login found at www.superiorchoice.com

Former Dairyland State Bank customers who have saved their online banking username and password in their web broswer for the online banking login found at www.dairylandstatebank.com will have to re-enter their username and password into the login box found at www.superiorchoice.com/dairyland. Members who have forgotten their online banking username or password should call 715-868-2175 for assistance.

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Three Steps to Fixing Your Money Worries This Holiday Season

photo of holiday gifts and woman with coin purseWorrying about money is natural. Almost everyone’s done it at some point. But worrying also could be a sign that there are serious problems you’re avoiding — a persistent little reminder that these problems are not going away. So if you're finding yourself stressed about money this holiday season, there are a few ways to help you get your finances under control.

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Join us Friday, December 7 for our annual Holiday Open House!

Holiday Open House Web decoration

It's time to get into the holiday spirit! Stop by your nearest branch of Superior Choice Credit Union on Friday, December 7 for our annual Holiday Open House event. Come into the lobby to enjoy holiday cookies, complementary 2019 calendars, and enter for a chance to win a $150 Christmas Club Savings Account* to save for your holiday shopping next year.

Cookies and calendars are available while supplies last. Stop by SCCU on December 7 for some holiday cheer! Thank you for your membership.

 

*No purchase necessary to enter to win. Must be 18 or older to win. Membership eligibility is required to open a Christmas Club Savings Account. Members with delinquent accounts, SCCU staff members, SCCU board members, and immediate family members of SCCU staff or board members are not eligible to win. Contest rules are subject to change at any time without notice. Void where prohibited.

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Federal Trade Commission: Spear phishing scammers want more from you

Originally published by the Federal Trade Commission on October 31, 2018

by Lisa Lake
Consumer Education Specialist, Fderal Trade Commission (FTC)

“I’m calling from [pick any bank]. Someone’s been using your debit card ending in 2345 at [pick any retailer]. I’ll need to verify your Social Security number — which ends in 8190, right? — and full debit card information so we can stop this unauthorized activity...”

So the caller ID shows the name of your bank. And the caller knows some of your personal details. Does that mean it’s legit? No. It’s a scam — and scammers are counting on the call being so unsettling that you might not stop to check your bank statement.

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Tips for Black Friday and Cyber Monday Shopping

The holiday season is approaching and with that comes the biggest shopping days of the year, Black Friday and Cyber Monday. These high holy days for shoppers follow Thanksgiving each year. To make the most of these days, we offer you the following advice:

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SCCU Retirement & Financial Advisors Seminar: Will You Need Long-Term Care?

Will You Need Long-Term Care?

Free seminar presented by SCCU Retirement & Financial Advisors on Tuesday, November 6, 2018 from 5:30 to 7 p.m. at the Superior Public Library located at 1530 Tower Avenue, Superior, WI 54880.

According to the federal government, a majority of people over age 65 will need some type of long-term care, with a significant number of people needing care in a nursing home. In this seminar on Long-Term Care Planning, you'll learn:

• What long-term care is and where it's provided
• Strategies to pay for long-term care
• Key features and government incentives for long-term care insurance
• How Medicare and Medicaid factor into long-term care planning

You'll also receive a free workbook created just for this presentation. The workbook contains key information, worksheets, and questions to help you remember important points from the seminar.

To reserve your spot, please contact 715-398-8918 or email [email protected]

 

Securities sold, advisory services offered through CUNA Brokerage Services, Inc. (CBSI), member FINRA/SIPC, a registered broker/dealer and investment advisor. CBSI is under contract with the financial institution to make securities available to members.
Not NCUA/NCUSIF/FDIC insured, May Lose Value, No Financial Institution Guarantee. Not a deposit of any financial institution.

 

 

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SCCU Retirement & Financial Advisors: Debunking a Few Popular Retirement Myths

Debunking a Few Popular Retirement Myths

It seems high time to dispel some of these misconceptions.

Provided by Wendy Otterness

Generalizations about money and retirement linger. Some have been around for decades, and some new clichés have recently joined their ranks. Let’s examine a few.

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Superior Choice Credit Union Makes Award-Winning Financial Literacy Program Free for Local Classrooms

student with backpack in classroomLocal students are getting a free education in how to manage their money. Superior Choice Credit Union is working with Banzai, a national award-winning financial literacy program, to make the curriculum available to 19 schools in the Superior, Ashland, and Mellen areas completely free.

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New Mellen Branch hours effective Monday, October 29

Effective Monday, October 29 the Mellen branch will be closed from 12:30 p.m. to 1 p.m. Monday through Friday. Below is the full listing of hours for the Mellen branch, effective October 29:

Lobby Hours:
Mon-Thurs 8:30 a.m. - 4:00 p.m.
Friday 8:30 a.m. - 5:00 p.m.
Lobby closed daily 12:30 p.m. – 1 p.m.

Drive-up Hours:
Mon-Thur 8:30 a.m. - 4:00 p.m.
Fri 8:30 a.m. - 5:00 p.m.
Drive-up closed daily 12:30 p.m. – 1 p.m.

As always, online banking and our mobile app with remote check deposit are available 24/7!

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Check out our current featured artist at the Tower Avenue Branch

Bemused Design Art WallSuperior Choice Credit Union is excited to feature the vibrant, captivating posters of Bemused Design & Photography at our Tower Avenue branch. The artwork is on display now through November.

About Bemused Design & Photography

Jamey Penney-Ritter is a photographer, graphic designer, and illustrator living in Washburn, WI. She has been behind the lens since 1993 and a graphic designer since 1999.

Jamey start her WPA/Art Deco inspired poster series after she created a custom wedding gift for a cousin’s wedding. Her Apostle Island design was on display at the Department of the Interior in Washington D.C. as part of a traveling National Parks poster series. She was the 2017 Bayfield Applefest poster and button artist.

Visit https://www.bemusedposters.com/ to view more designs and to purchase artwork. 

About the Tower Avenue Art Wall

Every few months, SCCU's Tower Avenue branch features the artwork of a local artist. We're always looking for artists to feature. Do you know of a local artist who would like to be featured? We're looking for artwork of all kinds to add ot our lineup. From photography and paintings to textile art and everythign in between, we'd love to feature the talent of local artists in our region! Send an email to [email protected] for more informaiton.

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Holidays for Heroes 2018

Superior Choice Credit Union is partnering with the American Red Cross to offer opportunities to thank, honor, and support our local service members and veterans this holiday season.

Holiday Mail for Heroes

Now through Friday, November 9, stop by any branch of Superior Choice Credit Union to complete a Holiday Mail for Heroes holiday greeting card. Cards will be collected and sent to the American Red Cross Serving Northern Minnesota for distribution to service members and veterans from northeastern Minnesota and northwestern Wisconsin. The American Red Cross asks that you follow these card writing guidelines: 

  • To be meaningful to a wide audience use generic titles such as “Dear Service Member” or “Dear Veteran”.
    • Please consider that cards are not meant for currently deployed service members.
  • We ask that cards do not carry an overly religious theme.
  • Cards containing overly personal information (phone number, address) cannot be accepted.                            
    • Feel free to list where you are from and only your first name (especially for kids, please).
  • Please do make cards personal, for example things you look forward to at the Holidays, special memories or your connection to those serving our country.

Comfort & Care Item Drive

Now through Friday, November 9, all branches of Superior Choice Credit Union will collect NEW men's and women's socks to donate to the American Red Cross Comfort & Care Item Drive to support veterans in need. Socks will be given to the American Red Cross for distribution to local veterans in need.

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Ways to Save in College

young woman lying in bed using laptop in college dorm smallGoing off to college is an exciting time! Your world is about to open wide, providing you with new opportunities to expand your mind, meet new people, and begin the groundwork for your career (or figure it out). One very important skill you’ll need is learning how to save while living on your own. The easy first step is finding out what you don’t need to buy. 

• A printer. They take up too much space, and the cost of ink and paper can add up. Check with your college to see if they have a printer allowance (usually included in the school’s technology fee), giving you access to the school’s printers. Also, many professors prefer that you turn in your papers electronically through the school’s educational portal (e.g., Blackboard or Moodle.)

• Computer software. Most schools have special arrangements with Microsoft to provide the Office Student to their students for free. For virus software, if you have cable at home, virus software is usually available to download through the cable provider.

• Toilet papers and bathroom cleaning supplies. If you’re living in a dorm, you won’t need these products. But if you’re living in a suite style dorm with its own bathroom, check with the school to see if room and board fees include janitorial services.

• Television. First of all, with classes, homework, and studying, you’ll have very little free time to watch TV. Second, your laptop will be able to stream most of your favorite shows. Third, most colleges have TVs in common rooms.

• Ironing board and iron. They take up too much space and you’ll likely use it…maybe never. If wrinkled clothes really bother you, get a small steamer instead.

• A car. You’re going to spend most of your time on campus, so there’s little reason to pay for monthly loan payments, parking fees, gas, and insurance. Use public transportation or a bike to get to places too far to walk.

Another way to save is to keep track of small expenses, like eating out or buying cigarettes. Those expenses add up over time. For instance, just buying a Starbucks latte (around $4.00) every day means you’ll spend $300 on coffee in one semester! Make a budget and do your best to stick to it. It’ll make saving money much easier and make living on your own a little less stressful.

Copyright 2018 Credit Union National Association Inc. Information subject to change without notice. For use with members of a single credit union. All other rights reserved.

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SCCU Retirement and Financial Advisors: Save and Invest Even if Money is Tight

Save & Invest Even if Money Is Tight

For millennials, today is the right time.

Provided by Wendy Otterness

If you are under 30, you have likely heard that now is the ideal time to save and invest. You know that the power of compound interest is on your side; you recognize the potential advantages of an early start.

There is only one problem: you do not earn enough money to invest. You are barely getting by as it is.

Regardless, the saving and investing effort can still be made. Even a minimal effort could have a meaningful impact later.

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Join us October 18 for International Credit Union Day celebrations!

The credit union movement is steeped in a rich history of collaboration across divides. For nearly two centuries, financial cooperatives have encouraged people of every race, gender and belief to come together and give their all towards the betterment of their communities. It's about people helping people. That's why credit unions always offer a platinum lining.

This year, we're celebrating International Credit Union Day's platinum anniversary, a chance to look back after 70 years and be thankful for the lives and communities that have been improved by the unique principles and actions of our movement.

Join Superior Choice Credit Union in celebrating International Credit Union Day on Thursday, October 18. We'll have treats, a coloring contest for kids, a prize giveaway (enter for a chance to win a $100 On the Rise Certificate), and more. All branches of Superior Choice Credit Union will participate, so stop by to celebrate the financial cooperative movement at one of our 11 branches!

Celebrate International Credit Union Day! from CUNA on Vimeo.

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Don't be scared to check your credit! Join us Oct. 26 for a FREE Credit Check Clinic.

LSS Credit Check WebsiteBanner 1061X406

Superior Choice Credit Union will host a FREE Credit Check Clinic in partnership with LSS Financial Counseling on Friday, October 26 at the Tower Avenue Branch in Superior. April Sanderson, Certified Credit Counselor with LSS Financial Counseling, will be on hand for free 15-minute consultations. Members who sign up for a free consultation can learn what their credit score is, see what's on their credit report, get tips for improving or maintaining their credit score, fix credit report errors, check for identity theft, and more.

Consultations are available from 10 a.m. until 4 p.m. on Friday, October 26. Members are encouraged to register in advance by calling 1-800-569-4167.

Superior Choice Credit Union and LSS Financial Counseling are proud to have a strong partnership for more than 10 years. Thanks to this partnership, SCCU members have access to free financial counseling, presentations, and events such as this credit check clinic. Click here to learn more about our partnership with LSS Financial Counseling.

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Final acquisition of Dairyland State Bank by Superior Choice Credit Union scheduled for August 31, 2018

Superior Choice Credit Union will finalize the acquisition of Dairyland State Bank at the close of business on Friday, August 31, 2018. After the closing, all Dairyland State Bank assets and liabilities will belong to Superior Choice Credit Union.

To accommodate the business conversion, all branches of Dairyland State Bank will close at 4 p.m. on Friday, August 31. The Dairyland State Bank branches — located in Bruce, Exeland, Sheldon, Gilman, and Holcombe in Wisconsin — will reopen for normal business hours as Superior Choice Credit Union branches on Tuesday, September 4 after the Labor Day holiday. ATM and online banking services will be available over the holiday weekend. Former Dairyland State Bank customers — now SCCU members — will continue to be able to use their accounts, checks, debit cards, online services, and branch services as they normally would.

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Join us Wednesday, Aug. 29 for UMD Hockey Night at our Denfeld branch!

TeamLRCome join us Wednesday, August 29 from 4-6 p.m. at our Denfeld location to celebrate the University of Minnesota Duluth men’s hockey team.

Stop on by to hang out with Champ the Bulldog, take a photo with the 2018 NCAA Championship trophy, enjoy a few treats, and more!

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SCCU Retirement and Financial Advisors: The Snowball Effect

The Snowball Effect

Save and invest, year after year, to put the full power of compounding on your side.

Provided by Wendy Otterness

Have you been saving for retirement for a decade or more? In the foreseeable future, something terrific is likely to happen with your IRA or your workplace retirement plan account. At some point, its yearly earnings should begin to exceed your yearly contributions.

Just when could this happen? The timing depends on several factors, and the biggest factor may simply be consistency – your ability to keep steadily investing and saving. The potential for this phenomenon is apparent for savers who start early and savers who start late. Here are two mock scenarios.

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