Managing Your Credit Cards

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Does paying off your credit card sometimes feel like a never ending battle? 💳 Suppose when you're 18, you charge $1,500 on a credit card with a 19% interest rate. If you repay only the minimum amount due each month, and your minimum is 4% of the outstanding balance, you'll only have a $60 payment. But, you'll be more than 26 years old by the time you pay off that balance! Learn how to best manage your credit cards: https://bit.ly/2T2ddsD

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NEW YEARS RESOLUTION: Taking control of your finances

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Taking control of one’s finances can be intimidating and overwhelming, the COVID-19 pandemic only amplified those feelings. The year 2021 can represent financial reform and taking control of your finances instead of being taken over by them. Whether you need to learn the best way to budget, how to pay off debt, or build up your credit, taking control of your finances should be a goal for you!

To help you and your financial goals SCCU has a partnership with Lutheran Social Services (LSS) which helps provide our members with the opportunity to take control of their finances. Financial counseling makes any financial process manageable and understandable. SCCU offers 6 FREE financial counseling sessions to its members and members of their household. Click here to learn more.

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2021 UPDATED HOURS OF OPERATION

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WE ARE TAKING THE PROPER STEPS TO CONTINUE TO SERVE YOU IN THE BEST WAY POSSIBLE
As are many other businesses in our community, we at SCCU continue to deal with the evolving COVID-19 pandemic. We understand this is a tough time for everyone. In order to maintain the health and safety of our staff and members, the SCCU Hermantown branch drive-up will be temporarily reducing its hours beginning Monday, January 4, 2021. The hours will be reduced to Monday - Friday 8:30 AM - 5:30 PM. The reduction of hours will allow us to serve you in the best way possible, and keep our staff safe. We apologize for the inconvenience and thank you for your continued patience. Please know, we are committed to keeping your financial needs a top priority.
 
Also, beginning Monday, January 4, 2021, our Tower Avenue branch drive-up will return to normal business hours: Monday - Friday 7:30 AM to 6:00 PM and Saturday 9:00 AM to 1:00 PM.
 
As always, we encourage members to utilize our, ATMs, and digital banking (manage your account, open deposit accounts, apply for a loan) services. If you have any questions or would like to set up an appointment with a financial specialist, commercial lender, or mortgage originator, please call our Contact Center at 1-800-569-4167 or email [email protected]
 
We are here for YOU
The health and safety of our staff and members remain our top priority. Thank you for your membership! 
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SCCU New Years Hours

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All Superior Choice Credit Union branches will be closing at 3 PM on Thursday, December 31st, 2020, and will be Closed Friday, January 1st, 2021 in observance of New Years'. We hope you have a wonderful weekend.

Goodbye 2020, Hello 2021!

As a reminder, our digital banking and ATMs are available 24/7. For after-hours assistance please visit:

https://www.superiorchoice.com/after-hours-lost-stolen-phone-numbers?fbclid=IwAR1KV4jQbtYP5_ctM5OwMWUIZQzop6v3T6tK-6ycLoZ1R6zDl64Y1bTIsDM

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SCCU Christmas Hours

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In observance of Christmas, SCCU will be closing at 1 PM on Thursday, December 24th and we will be closed Friday, December 25th. We hope you have a wonderful weekend and that you stay safe and healthy.

As a reminder, our digital banking and ATMs are available 24/7. For after-hours assistance please visit:

https://www.superiorchoice.com/after-hours-lost-stolen-phone-numbers?fbclid=IwAR1KV4jQbtYP5_ctM5OwMWUIZQzop6v3T6tK-6ycLoZ1R6zDl64Y1bTIsDM

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2020 Shopping Tips

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This year has been just a little different from the past. Work isn't the same, socializing isn't the same, even shopping isn't the same. Our partner, Lutheran Social Service has a great article on shopping in the year 2020 while making sure you continue to use your money wisely. Check it out HERE.

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Christmas donations from SCCU

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Before and after! 🎁 And just like that, presents are wrapped and off to the Salvation Army for their holiday toy drive. So glad to be able to support a great initiative, brightening the holidays for those in need. Want to get involved? There's still time! https://bit.ly/34oGl4P

 

 

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Give The Gift of Financial Education

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It is never too early to teach money skills. From a $10 birthday present to a $2 allowance, kids can learn how to save, donate, and best spend their ‘earnings’.

Teaching children and young adults about money and various money decisions is preparing them for a better future. Just as elementary, middle, and high school students are learning math and English they should also be learning about money and about saving. At superior Choice Credit Union, we encourage kids and young adults ages 13-17 to open a teen checking account with the help and support of a parent or guardian. This jumpstarts their education and skills on earning, managing, and saving money and will make managing their finances a breeze later in their life. Financial Literacy or the ability to understand and make good money decisions is valuable all throughout life and will be beneficial when they get their first job, car, or head off to college.

Our teen checking account:

  • Two fee reversals allowed while your teen learns to manage a checking account
  • Rolls into a Simple Checking account upon 18th birthday
  • No minimum balance
  • No monthly account fees
  • Cashback at merchants
  • No fee at SCCU ATMs
  • Free online banking

 

VISIT YOUR NEAREST BRANCH TO GET STARTED!

Terms and conditions apply. Membership eligibility required. Teen Checking account rolls into Simple Checking Account upon member’s 18th birthday.

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