Online banking unavailable Dec. 6-9, 2019

Online banking is unavailable starting Friday, December 6, 2019 at approximately 4 p.m. CST as we are upgrading our technology systems. Our new online banking services will be available on or after Monday, December 9, 2019. For important information, please visit www.superiorchoice.com/conversion or consult the core conversion and technology upgrades guide that was mailed to SCCU members.

Thank you for your patience. A new online banking experience is coming soon!

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ATM Maintenance Schedule

Several of our ATMs are scheduled to receive maintenance in December. Please see below for a branch-by-branch schedule. ATM services will be unavailable while the machines receive maintenance. To make fee-free cash withdrawals while our ATMs are being serviced, please stop in the lobby, visit the drive thru, or utilize a Co-op Network ATM. Click here to locate a Co-op Network ATM near you.

Thank you for your patience while we upgrade our ATM services.

ATM Maintenance Schedule:

  • 12/4/2019: Tower Avenue Branch
  • 12/5/2019: Bruce Branch
  • 12/5/2019: Gilman Branch
  • 12/5/2019: Holcombe Branch
  • 12/9/2019: Shoreline Branch
  • 12/11/2019: Hermantown Branch
  • 12/17/2019: Ashland Branch
  • 12/19/2019: Denfeld Branch
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SCCU Holiday Hours 2019-2020

All branches and offices of Superior Choice Credit Union will be closed in observance of the following holidays:

  • Thanksgiving - Closed for the day on Thursday, November 28, 2019
  • Christmas Eve - Closing at 1 p.m. on Tuesday, December 24, 2019
  • Christmas Day - Closed for the day on Wednesday, December 25, 2019
  • New Year's Eve - Closing at 3 p.m. on Tuesday, December 31, 2019
  • New Year's Day - Closed for the day on Wednesday, January 1, 2020

For lost/stolen debit or credit card assistance, please utilize these after-hours phone numbers. SCCU ATMs, night deposit, online banking, and mobile banking are available 24/7. Happy holidays from SCCU!

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When 0% Interest Isn’t Your Best Auto Loan

hands with car and money auto loan lending smallWhen it comes to auto loans, a 0% interest rate is a head-turner, but it’s not always the best deal.

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We're updating our branch hours

We’re always analyzing trends to best serve our membership needs. The below hours will be effective November 18, 2019.

Ashland Branch

Lobby

Monday-Friday 8:30 a.m. to 5 p.m.

Drive Thru

Monday - Friday 8:30 a.m. to 5 p.m.
Saturday 9 a.m. to 12 p.m.

Duluth Denfeld Branch

Lobby

Monday - Friday 8:30 a.m. to 5 p.m.

Drive Thru

Monday - Friday 8 a.m. to 5 p.m.
Saturday 9 a.m. to 1 p.m.

Hermantown Branch

Lobby

Monday - Friday 9 a.m. to 5 p.m.

Drive Thru

Monday - Friday 8:30 a.m. to 6 p.m.

Shoreline Branch

Lobby

Monday - Friday 8:30 a.m. to 5 p.m.

Drive Thru

Monday - Friday 8 a.m. to 6 p.m.

Tower Avenue Branch

Lobby

Monday - Friday 8:30 a.m. to 5 p.m.
Saturday 9 a.m. to 1 p.m.

Drive Thru

Monday - Friday 7:30 a.m. to 6 p.m.
Saturday 9 a.m. to 1 p.m.

 

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Important information about debit cards for former Dairyland State Bank customers

We're making important upgrades to our debit card processing services for former Dairyland State Bank customers

We’re updating our debit card processing services to better serve your financial needs. As part of this process, members who are still using debit cards issued by the former Dairyland State Bank may receive a new VISA card to replace their current debit card. New debit cards will be arriving in mailboxes mid-November 2019. This transition will only affect debit cards starting with the digits 4891 53 or 4440 72 (cards issued on the former Dairyland State Bank system).

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2019 Notice of Hawkins Ash CPAs Confirmation Letters

Superior Choice Credit Union's board of directors has engaged Hawkins Ash CPAs for an opinion audit. This requires annual confirmation letters be sent to a random selection of SCCU members. If you receive a letter please confirm requested information and return to Hawkins Ash CPAs per the letter's instructions.

Thank you for your cooperation.

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SCCU Retirement and Financial Advisors: Annual Financial To-Do List

Annual Financial To-Do List

Things you can do for your future as the year unfolds.

Provided by Wendy Otterness

What financial, business, or life priorities do you need to address for the coming year? Now is a good time to think about the investing, saving, or budgeting methods you could employ toward specific objectives, from building your retirement fund to managing your taxes. You have plenty of choices. Here are a few ideas to consider:

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NOTICE: Exeland Branch Closing December 1, 2019

We want to inform you about an important change that is taking place at your credit union.

Effective December 1, 2019, we will be closing our Exeland branch location. Low member usage and high operating costs relative to the branch do not allow for its continued operations.

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New credit cards information

Superior Choice Credit Union is making some exciting upgrades to our credit card program. We are changing credit card processors in order to offer our members better credit card offerings, special offers, better rewards point systems, digital wallet services, and more. While the new processor offers all of these great enhancements for the credit union and members, unfortunately it means we have to issue new credit cards because our current credit cards will not work on the new processor’s technology system.

This October, some SCCU members will receive a new credit card with a new account number. Members who are receiving new credit cards received an initial change-in-terms letter dated July 30, 2019. Around October 18, 2019 members who are receving a new credit card and account number will receive their new cardholder agreement. Finally, during the week of October 21 members will receive their new credit card to be activated prior to October 31, 2019.

Updates to our credit card program are under way and we’re excited about our new card offerings. This will mean a few changes to your Account, and we want to make sure you know exactly what to expect. 

What to know:

  • New Card. You will get a new card with a new Account number and updated expiration date. Your current card will be closed on October 31, 2019, so you will need to activate the new card right away and please destroy the current one(s).
  • Balances Transfer Automatically. All current balances will transfer to your new Account automatically in November. The Annual Percentage Rate (APR) for any current balances will remain at your current terms and conditions.
  • Terms. Some terms of your Account will change. See the “Important Changes to Your Account Terms” included in the July 30, 2019 letter you received or call cardmember services at 800-558-3424 for more information.
  • Payment Address Change. The address where you send monthly payments will change as of October 31, 2019, and you will need to send any payments after this date to the following address:

Cardmember Service
P.O. Box 790408
St. Louis, MO 63179-0408

Your next steps:

  • Automatic Payments to Your Current Account. If your credit card account is currently enrolled in an auto pay program, any transactions scheduled to occur after October 31, 2019 will be cancelled and cannot automatically be applied to your new account. You will be receiving a letter with information on how to enroll in automatic payments for your new Account.
  • Update Your Bill Payments and Mobile Wallet. Remember to update any billers with your new credit card information, including your new Account number and expiration date. Upload your new credit card to your device.
  • Update Your Personal Identification Number (PIN). Once you receive your new card, you will need to contact Cardmember Service at the number on the back of your new card if you would like a PIN.

We’re proud of our new card offerings and excited to make them available to you. As always, we remain committed to great service. Should you have any questions, please contact us at 1-800-569-4167. If you are unsure whether or not you are supposed to be receiving a new credit card, please contact us.

 

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Summer is just getting started. Check out these SCCU-sponsored events!

Part of what makes our communities such special places are fun summer celebrations. SCCU is proud to sponsor these upcoming summer events. From family-friendly to fundraisers, there is something for everyone across our membership area!

  • Bayside Sounds Around Town summer concert series in Superior: SCCU is the title sponsor for these weekly free concerts at different parks throughout Superior. Click here for the full schedule on the City of Superior website.
  • Spirit Valley Days: Held August 1-3, this event brings West Duluth friends, neighbors, and people outside the area together to celebrate what West Duluth has to offer. The festival features a parade, music, car show and events for families to enjoy. Click here for more information.
  • Rusk County Rodeo: Held August 9-10, the Rusk County Rodeo features a variety of events including barrel racing, bull riding, music, and more. The Rusk County Rodeo events support the Women with Courage Foundation, Jayme Closs Fund, and Rusk County Lighthouse Men & Women Shelters. Click here for more information. 
  • Lake Superior Dragon Boat Festival: Held August 23-24 on the shores of Lake Superior, the Lake Superior Dragon Boat festival is a fundraiser for local safe and affordable housing initiatives in the Twin Ports. Listen to live music, attend fireworks, paddle on a team, and watch dragon boat races. Click here to learn more on the Lake Superior Dragon Boat Festival website.
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Help SCCU Stuff the Bus with school supplies for area students!

Superior Choice Credit Union is once again teaming up with the Head of the Lakes United Way for their annual Stuff the Bus school supplies drive in Superior. From August 1-23, SCCU's Tower Avenue and Shoreline branches in Superior will serve as donation drop-off sites. Donate NEW school supplies so all students in Superior be ready for the new school year!

Items will be collected by the Head of the Lakes United Way and donated to schools throughout the Superior school distict. Supplies are distributed to students by school staff. Most needed supplies:

  • Backpacks
  • Pocket folders
  • Wide-ruled notebooks
  • Markers
  • Clipboards
  • Scissors
  • Earbuds

Thank you for donating so that all students in Superior will be ready for the new school year!

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August 13-14 Back to School Blood Drive sponsored by Superior Choice Credit Union

Superior Choice Credit Union is once again sponsoring the American Red Cross Back to School Blood Drive at the Miller Hill Mall. 

Sign up to donate blood on August 13 from 12 to 6 p.m. or August 14 from 9 a.m. to 3 p.m. for a chance to win $1,000 in shopping spree prize drawings!

Go to www.redcrossblood.org to schedule your appointment using sponsor code Miller Hill Mall.

Presenting donors will be placed in a drawing for one of four $200 pre-paid debit cards sponsored by Superior Choice Credit Union and one of four $50 Dick's Sporting Goods gift cards.

Blood supplies are dangerously low. All blood types needed now. There is an emergency need for blood and platelet donors. Please give now to ensure blood is available for patients facing trauma and other life-threatening situations.

 

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Congrats to the SCCU photo contest winners!

Superior Choice Credit Union is excited to annouce the eight winners of our June 2019 photography contest! SCCU received many excellent submissions, and had the difficult task of selecting the favorite eight photograph entries. Winners are:

  • Chelsea Miller - Bumblebee on lupines
  • Calla Erickson - Fall colors in Highbridge, WI
  • Greg Simpson - Horton Bridge at Amnicon Falls State Park
  • Joe Polecheck - Drone photo of the Aerial Lift Bridge and Canal Park piers in Duluth
  • Kim Seguin - "Bridge to Nowhere" in St. Louis County, MN
  • Samantha Boos - Farm sunset
  • Tony Bye - Hummingbird in Duluth
  • Walter Huss - Lake Superior on the North Shore

Congratulations to all of our winners! To view their beautiful photographs, visit our Facebook page or stop by our Tower Avenue branch at 2817 Tower Avenue in Superior. Thank you to all who submitted photographs in our first ever photography contest.

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SCCU Retirement & Financial Advisors: Eight Mistakes That Can Upend Your Retirement

Eight Mistakes That Can Upend Your Retirement

Avoid these situations, if you can.

Provided by Wendy Otterness

Pursuing your retirement dreams is challenging enough without making some common, and very avoidable, mistakes. Here are eight big mistakes to steer clear of, if possible.

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Important information about SCCU debit and HSA cards

Superior Choice Credit Union will be upgrading debit and HSA card processing in July 2019

We’re updating our debit card processing services to better serve your financial needs. As part of this process you may receive a new VISA card to replace your current Superior Choice Credit Union debit or health savings account (HSA) card. New debit and HSA debit cards will be arriving in your mailbox after July 8, 2019. This transition will affect debit and HSA cards starting with the digits 4600 07 or 4307 48.

Follow these instructions for a smooth transition

  • Please activate your new card by calling the number shown on the face of the new card.
  • You can activate and start using your new card as soon as you’d like.
  • The last day to use your old card will be Tuesday, July 23, 2019. Your old card will no longer work after this date!
  • Once you have activated your new card and ensured it is working by making a transaction, you may destroy your old card by cutting it up.
  • If you have any pre-authorized or recurring debits (gym membership, insurance payments, subscription services, etc.), you will need to update those merchants with your new VISA card information.
  • Your existing card alerts will not be converted. You will need to establish new alerts for your new card.
  • Your existing PIN will not transfer to your new card. You must set a new PIN to be able to successfully withdraw cash from an ATM or make PIN-based transactions. You may set your PIN by calling the activation phone number 24/7 or by calling the credit union at 1-800-569-4167 during normal business hours. If you do not set a new PIN, your card will be blocked for security purposes after making three unsuccessful PIN-based transactions.

FAQ

WHY ARE YOU SENDING OUT NEW DEBIT AND HSA CARDS?
We are in the process of switching our debit/HSA/ATM card processor in order to better poise the credit union for advanced security features and digital options in the future. Due to this technology change, cards that were issued on the old system will not work. We are sending new cards to a majority of our members in July 2019 to prepare for the change in processors.

WILL EVERYONE RECEIVE A NEW CARD?
Members with a debit card number that starts with the digits 4600 07 or a health savings account (HSA) card number that starts with the digits 4307 48 will receive a new debit or HAS card in the mail after July 8, 2019. If you have an SCCU debit card or a former Dairyland State Bank debit card that does NOT start with the digits 4600 07, your card will be reissued at a later date.

WHAT ABOUT MY ATM CARD?
At this time, your ATM card will continue to work as it has before. You will only receive a new ATM card if it expires or is reported lost or stolen.

WHAT ABOUT MY CREDIT CARD?
SCCU credit cards are not part of the July 2019 reissue project.

WHEN WILL I RECEIVE MY NEW CARD?
If your card is a part of the July 2019 re-issue project (see the “Will everyone receive a new card?” question above), you should receive your new card after July 8, 2019. If you do not receive a new card prior to the July 24, 2019 deactivation date for old cards, please contact the credit union at 1-800-569-4167.

WILL MY CARD NUMBER BE THE SAME AS MY OLD CARD NUMBER?
No, you will have a new card number, expiration date, and CVV.

WILL I NEED TO SET UP A PIN FOR MY NEW DEBIT OR HSA CARD?
Yes, you will be able to set up a PIN when you activate your new card by following the instructions that will be included with your new card.

MY CARD DOESN’T EXPIRE FOR A LONG TIME, CAN I CONTINUE TO USE IT?
If you are reissued a new debit or HSA card, you will not be able to use your old card. We are switching to a new processing platform on July 24, 2019 and your old debit or HSA card will not work on the new platform.

WILL MY NEW CARD HAVE A DIFFERENT DESIGN?
Yes! We will have new debit, HSA, and ATM card designs that complement each other, but are clearly labeled with the card type.

WHEN DO I NEED TO ACTIVATE MY NEW CARD?
If you receive a new debit or HSA card, it should be activated as soon as possible. Once you have tested that your new card is working properly by making a successful transaction, you may destroy your old card by cutting it up. Your old SCCU debit or HSA card will not work as of July 24, 2019 so it is very important that you activate your new card. Your card will come with activation instructions.

WHAT IF I AM TRAVELING BETWEEN JULY 8 AND JULY 24 AND WON'T HAVE ACCESS TO MY MAIL?
If you anticipate being away from your home address between July 8 (when the new cards were mailed out) and July 24 (when current cards will stop working) be sure to travel with alternative payment options such as a checkbook, cash, or credit card. In addition, SCCU members have access to their accounts at thousands of credit unions nationwide thanks to our Shared Branching network. Click here to learn more about shared branching.

WHAT WILL HAPPEN IF I DON’T ACTIVATE MY NEW CARD?
If you don’t activate your new card prior to the July 24, 2019 conversion date, you will not have access to your checking or HSA account with your old card. Any recurring payments scheduled for July 24, 2019 or afterward will not be processed without updating merchants with your new card information.

WHO SHOULD I CALL FOR AFTER-HOURS SUPPORT FOR MY NEW DEBIT OR HSA CARD?
The new after-hours support number will be 866-553-2917. During business hours, please call us at 800-569-4167 or stop by your nearest branch of SCCU.

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SCCU Retirement and Financial Advisors: Diversification, Patience, and Consistency

Diversification, Patience, and Consistency

Three important factors when it comes to your financial life.

Provided by Wendy Otterness

Regardless of how the markets may perform, consider making the following part of your investment philosophy:

Diversification. The saying “don’t put all your eggs in one basket” has real value when it comes to investing. In a bear or bull market, certain asset classes may perform better than others. If your assets are mostly held in one kind of investment (say, mostly in mutual funds or mostly in CDs or money market accounts), you could be hit hard by stock market losses, or alternately, lose out on potential gains that other kinds of investments may be experiencing. There is an opportunity cost as well as risk.1

Asset allocation strategies are used in portfolio management. A financial professional can ask you about your goals, tolerance for risk, and assign percentages of your assets to different classes of investments. This diversification is designed to suit your preferred investment style and your objectives.

Patience. Impatient investors obsess on the day-to-day doings of the stock market. Have you ever heard of “stock picking” or “market timing”? How about “day trading”? These are all attempts to exploit short-term fluctuations in value. These investing methods might seem fun and exciting if you like to micromanage, but they could add stress and anxiety to your life, and they may be a poor alternative to a long-range investment strategy built around your life goals.

Consistency. Most people invest a little at a time, within their budget, and with regularity. They invest $50 or $100 or more per month in their 401(k) and similar investments through payroll deduction or automatic withdrawal. They are investing on “autopilot” to help themselves build wealth for retirement and for long-range goals. Investing regularly (and earlier in life) helps you to take advantage of the power of compounding as well.

If you don’t have a long-range investment strategy, talk to a qualified financial professional today.

Wendy Otterness may be reached at 715-398-8917 or [email protected]

This material was prepared by MarketingPro, Inc., and does not necessarily represent the views of the presenting party, nor their affiliates. This information has been derived from sources believed to be accurate. Please note - investing involves risk, and past performance is no guarantee of future results. The publisher is not engaged in rendering legal, accounting or other professional services. If assistance is needed, the reader is advised to engage the services of a competent professional. This information should not be construed as investment, tax or legal advice and may not be relied on for the purpose of avoiding any Federal tax penalty. This is neither a solicitation nor recommendation to purchase or sell any investment or insurance product or service, and should not be relied upon as such. All indices are unmanaged and are not illustrative of any particular investment.

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.

Citations.
1 - forbes.com/sites/brettsteenbarger/2019/05/27/why-diversification-works-in-life-and-markets [5/27/19]

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SCCU sponsors Summer Dollar Days family movies in Ladysmith

We're excited to partner with Miner Theatre in Ladysmith for their Summer Dollar Days program offering affordable, family-friendly movies all summer long!

Head to the Miner Theatre for these SCCU-sponsored movies:

  • June 11 at 2 p.m. — Hotel Transylvania 3: Summer Vacation
  • July 16 at 2 p.m. — Matilda
  • August 6 at 2 p.m. — Cloudy with a Chance of Meatballs

Summer Dollar Days features family-friendly movies for just $1 per person all summer long. For the full schedule of events, click here to visit the Miner Theatre website.

 

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Cap and Benjamins: Using Graduation Gift Money

college grads throwing capsSo, you’ve graduated from college. While it may be tempting to take your graduation gift money and spend like crazy, using the money wisely will set you up for a healthy financial future.

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Have some stunning local photos to share? Enter our photo contest!

What we're looking for

Striking digital images of local landmarks and landscape.

How to enter

A max of 2 photos per entrant must be submitted in digital format (high-resolution JPEG) to [email protected] by close of business Friday, June 28, 2019. We will require an entry form filled out with full details including name, phone number and address.

Rules

• Must be 18 years or older to enter
• Entries must be submitted via email by Friday, June 28, 2019.
• Entries must be your own work
• If you choose to include people in your submission, you must be able to provide signed copies of photo releases for each individual.
• Photos must be at minimum 6-million-pixel resolution (2800X2800 pixels)

Prizes

There will be up to eight winners. A $25.00 VISA gift card will be awarded to the winners, as determined by a panel of SCCU staff member judges.

Entry form

Click here for a PDF entry form. Digital photos and entry forms must be submitted via email. Physical copies or faxes of photos/entry forms will not be accepted.

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