Review Your Financial Situation Regularly

To stay in good physical health, most people get a medical check-up on a regular basis. To keep your finances manageable, they need a regular check-up as well. It’s particularly important to review your finances if there have been changes to your life in the past year – things like a change in income, marital status, any medical emergencies, or if you’ve had a baby. 

If you have certain goals, like saving for a down payment on a house or planning to retire early, it’s absolutely essential to review your financial situation multiple times throughout the year.

What should you be looking at specifically?

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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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UPDATE: All SCCU branches will close by 1:30 p.m.

Due to deteriorating road conditions, our Twin Ports facilities will remain closed on Thursday, February 7, 2019. This includes our Tower Avenue Branch, Shoreline Branch, Hermantown Branch, Denfeld Branch, and Administrative Office and Call Center.

Our Ashland, Mellen, Bruce, Gilman, Sheldon, Exeland, and Holcombe Branches will close by 1:30 p.m. on Thursday, February 7, 2019 due to worsening winter weather conditions.

Thank you for your understanding. We are closing our facilities out of an abundance of caution for the safety of our employees and members.

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UPDATE: Twin Ports facilities are CLOSED on February 7, 2019

Due to deteriorating road conditions, our Twin Ports facilities will remain closed on Thursday, February 7, 2019. This includes our Tower Avenue Branch, Shoreline Branch, Hermantown Branch, Denfeld Branch, and Administrative Office and Call Center. 

Thank you for your understanding. We are staying closed out of an abundance of caution for the safety of our employees and members.

At this time, our Ashland, Mellen, Bruce, Gilman, Sheldon, Exeland, and Holcombe Branches remain open due to lesser storm impacts. Should conditions change, we will update our website and social media channels.

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SCCU's Twin Ports facilities delayed opening due to weather on 2/7/19

Due to unsafe driving conditions, SCCU's Twin Ports facilities (branches and call center/admin offices) will not open until 11 a.m. on Thursday, February 7, 2019. This is out of an abudance of caution for the safety of our employees and credit union members. 

Please stay tuned ot the SCCU website for further updates on branch closures due to weather conditions.

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Income Tax Filing Tips for January

Although income tax returns are not due until April 15, it’s always a good idea to plan ahead and file early, especially if you expect to get a tax refund. Here are six steps to take now:

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SCCU at the UMD vs. St. Cloud State men's hockey game

Superior Choice Credit Union will be at AMSOIL Arena on Friday, January 11 and Saturday, January 12 before and during the UMD vs. St. Cloud State men's hockey game.

Stop by our table before the puck drops for a chance to win a $50 gift card from UMD Stores, get an autograph from Champ the Bulldog, and more!

For information on attending the game, click here to visit the UMD Bulldogs website.

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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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166 Hits

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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148 Hits

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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156 Hits

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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162 Hits

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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740 Hits