Want to grow your money? Check out two great accounts with two great rates

Earn up to 1.75% APY1 with AMP Checking

AMP Checking is great for those who are interested in earning a greater return on their balance, without increasing their risk. Account details:

  • $25 initial deposit
  • No monthly balance requirement or monthly account fees
  • Cash back at merchants
  • No fee at SCCU ATMs
  • And more!

Earn 2.50% APY2 with a Choice Investment Money Market Account

Enjoy flexibility while earning a higher dividend rate. Account details:

  • Minimum balance requirement of $50,000
  • Make up to six withdrawals per month

Choose the account that fits your needs and start growing your money today!

 

1 APY = Annual Percentage Yield. Rates effective 4/1/2019. These are variable rates and are subject to change at any time. Requires enrollment in eStatements to qualify for rates. AMP checking accounts that do not meet the qualifications in a statement cycle will earn a dividend rate of 0.00% APY on entire balance. APY for AMP Checking balances up to $30,000.00 = 1.50% APY. AMP Checking balances of $30,000.01 and more = 1.75% APY. Receiving eStatements requires enrollment in online banking with a valid email address. Membership eligibility required.

2 APY = Annual Percentage Yield. $50,000.00 minimum opening requirement. If the balance falls below the $50,000.00 minimum balance requirement, a $250.00 fee will be imposed. During any month, you may not make more than six withdrawals or transfers to another credit union account of yours or to a third party by means of a draft, preauthorized or automatic transfer, internet banking or instruction, or telephone order or instruction. If you exceed the transfer limitations set forth above in any statement period, your account will be subject to closure by the credit union and/or a fee of $5.00 may be debited to this account for each withdrawal or transfer over the six allowed on this account. The minimum withdrawal limit is $500.00. Rates effective 1/08/2019. Rates are subject to change without notice at any time. Membership eligibility required.

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11 Hits

SCCU Retirement and Financial Advisors: Taking Charge of Your Financial Life

Taking Charge of Your Financial Life

Delegating responsibilities to others may lead to problems down the road.

Provided by Wendy Otterness

When you are putting together a household, it isn’t unusual to delegate responsibilities. One spouse or partner may take on the laundry, while another takes on the shopping. You might also decide which one of you vacuums and which one of you dusts. This is a perfectly fine way to divvy up household tasks and chores.

One household task it’s valuable for both partners to take part in, however, is your shared financial life. It’s important, regardless of your level of wealth or stage of life. Counting on one spouse or partner to handle all financial decisions can create a gap for the other partner. Should the one in charge of the money separate, become severely disabled, or pass away, that may leave the other partner in a bind. A situation like that is probably difficult enough without adding additional stress.

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11 Hits

Celebrate June Dairy Month with SCCU's newest branches!

four dairy cows

June is National Dairy Month! Superior Choice Credit Union is proud to support and celebrate our community’s agricultural heritage. Stop by our Bruce, Exeland, Holcombe, Gilman, and Sheldon branches for a Dairy Month prize drawing and account specials all throughout the month of June. We're giving away a summer fun set - a portable charcoal grill, SCCU collapsible camp chairs, and more!

Join us at our Bruce, Exeland, Holcome, Gilman, or Sheldon branches on Friday, June 14 for June Dairy Month giveaways and treats!

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28 Hits

Complimentary SCCU Retirement & Financial Advisors Seminar: Financial Planning Basics

Complimentary seminar presented by SCCU Retirement & Financial Advisors on Monday, May 13, 2019 from 5:30 to 7 p.m. at the SCCU Administration Building located at 1320 Grand Ave, Superior, WI 54880.

Most of us imagine retirement as a happy time, a reward for a lifetime of hard work, full of possibility and potential. We have good reason to see retirement in a positive light. Americans are living longer, healthier lives than ever before. In fact, for some of us, retirement will make up a full third of our lives. Of course, this means that our retirement assets will have to do more for us over a longer period of time. This makes planning for our retirement essential.

In this seminar on Retirement Basics, you'll learn:

  • How to put together a retirement road map
  • Factors that influence when you should retire and how long your retirement could last
  • How to "crunch the numbers" by estimating your retirement expenses and retirement income, while factoring in inflation and taxes
  • How to use tax-advantaged savings vehicles like IRAs and 401(k)s

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]


Representatives are registered, securities sold, advisory services offered through CUNA Brokerage Services, Inc. (CBSI), member FINRA/SIPC, a registered broker/dealer and investment advisor, D/B/A SCCU Retirement and Financial Advisors which is not an affiliate of the credit union. 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.

Representatives are neither tax advisors nor attorneys. For information regarding your specific tax situation, please consult a tax professional. For legal questions, including a discussion about estate planning, please consult your attorney.

FR-2515213.1-0419-0519

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71 Hits

LSS Financial Counseling: Planners, Advisors, or Counselors: Who should you turn to?

This post was originally published on the LSS Financial Counseling Sense & Centsibility Blog. Click here to see the original post.

Financial Planner vs. Financial Advisor vs. Financial Counselor

Have you ever been confused by where to turn when you need help with your finances? With over 183 different professional designations, (according to the Financial Industry Regulatory Authority (FINRA)), it wouldn’t be surprising if you were! The following definitions may help clear things up a bit.

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94 Hits

Twin Ports branches and admin office/call center delayed opening Friday, April 12

Our Twin Ports branches, along with our administrative office with call center, will delay opening until 11 a.m. on Friday, April 12, 2019 due to unsafe conditions related to our recent winter storm.

Thank you for your understanding.

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  170 Hits
170 Hits

SCCU Retirement & Financial Advisors Seminar: Investment Basics

Complimentary seminar presented by SCCU Retirement & Financial Advisors on Tuesday, April 23, 2019 from 5:30 to 7 p.m. at the SCCU Administration Building located at 1320 Grand Ave, Superior, WI 54880. 

The best investing strategy is a carefully planned and prepared approach to managing and accumulating money. A well-planned strategy can help you meet your short-term, mid-term, and long-term financial goals. Investment planning requires discipline and patience. But it doesn’t have to be difficult.

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  174 Hits
174 Hits

Enter to win a pair of Pancake Day tickets!

Superior Choice Credit Union is a proud sponsor of the 62nd Annual Duluth Lions Club Pancake Day event on Thursday, May 2 from 6 a.m. to 8 p.m. at the DECC in Duluth. Proceeds from this annual event help to provide services for sight, hearing, diabetes, youth activities, and the Lighthouse Center for Vision Loss.

Five lucky winners will be randomly selected to win on Wednesday, April 10, 2019 at 11 a.m. central time. Tickets will be mailed to the address entered in the form below. SCCU staff/board members and family members of staff/board members are not eligible to win. Must be 18 or older to enter. Contest void where prohibited.

Click here for the contest entry page.

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140 Hits

The Future Is Yours: Picture it. Save for it. Share it. — Youth Month 2019

Instagram logo youth month 2019Dreaming of our ideal future delights and inspires us. Children, with their wild imaginations, are particularly good at dreaming. But to make dreams come true, you need to have clear goals and, very likely, save some money to make them happen. Superior Choice Credit Union can help you on both counts.

This April, we’re celebrating Youth Month, and the theme is “The Future is Yours: Picture it. Save for it. Share it.” We’re encouraging all members, particularly our youngest, to write down their dreams, create vision boards, and encourage each other. These activities will help lay the groundwork for their future success.

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633 Hits

New Exeland Branch hours effective April 1, 2019

Please see the new hours for our Exeland Branch, effective April 1, 2019:

Exeland Branch Lobby Hours:
Mon, Wed, Thurs 8:30 a.m. - 3:30 p.m.
Closed Tuesdays
Fri 8:30 a.m. - 4:30 p.m.
Lobby closed daily 12:00 p.m. - 1 p.m.
Sat 8:30 a.m. - 12:00 p.m.

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97 Hits

Devise a Down Payment Plan

If you're thinking about buying a house in the next year or two, you may wonder what you're getting into. Among those questions might be: How big a down payment do I need? Where will I get the money?

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80 Hits

FREE SCCU Retirement & Financial Advisors Seminar: Financial Planning Basics

Complimentary seminar presented by SCCU Retirement & Financial Advisors on Tuesday, April 9, 2019 from 5:30 to 7 p.m. at the SCCU Administration Building located at 1320 Grand Ave, Superior, WI 54880.

Everyone can benefit from a financial plan that is tailored to individual needs and circumstances. A financial roadmap can motivate you to save money, help you meet your financial goals, and improve your overall financial security now and in the future.

In this seminar on Financial Planning Basics, you'll learn:
• How to construct a budget and the importance of establishing an emergency fund
• Credit fundamentals
• Basic investment concepts, including risk tolerance and the difference between pre-tax, after-tax, and tax-deferred investments
• Basic estate planning concepts

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]

 

Representatives are registered, 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.

Representatives are neither tax advisors nor attorneys. For information regarding your specific tax situation, please consult a tax professional. For legal questions, including a discussion about estate planning, please consult your attorney.

FR-2441200.1-0219-0321

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  432 Hits
432 Hits

Updated hours for Bruce, Gilman, Holcombe, and Sheldon branches

Effective Monday, March 4, 2019, the lobby hours for our Bruce, Gilman, Holcombe, and Sheldon branches will be extended by one hour at the end of the day. We are excited to be able to offer this service to our membership. Please see below for the updated hours at each branch:

Bruce Branch
Lobby Hours:
Mon-Fri 8:30 a.m. - 4:30 p.m.

Drive-up Hours:
Mon-Thurs 8:30 a.m. - 4:30 p.m. 
Fri 8:30 a.m. - 5:30 p.m.
Sat 8:30 a.m. - 12:00 p.m.

Gilman Branch
Lobby Hours:
Mon-Fri 8:30 a.m. - 4:30 p.m.

Walk-up Hours:
Fri 4:30 p.m. - 5:30 p.m.
Sat 8:30 a.m. - 12:00 p.m.

Holcombe Branch
Lobby Hours:
Mon-Fri 8:30 a.m. - 4:30 p.m.

Drive-up Hours:
Mon-Thurs 8:30 a.m. - 4:30 p.m. 
Fri 8:30 a.m. - 5:30 p.m.
Sat 8:30 a.m. - 12:00 p.m.

Sheldon Branch
Lobby Hours:
Mon-Fri 8:30 a.m. - 4:30 p.m.
Lobby closed daily 12:00 p.m. - 1:00 p.m.

Drive-up Hours:
Mon-Thurs 8:30 a.m. - 4:30 p.m. 
Fri 8:30 a.m. - 5:30 p.m.
Sat 8:30 a.m. - 12:00 p.m.

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176 Hits

Fee updates effective May 15, 2019

The Superior Choice Credit Union board of directors has approved several fee changes. The following changes will go into effect on May 15, 2019:

  • ATM withdrawals at non-SCCU terminals $2.00
  • Money orders $3.00
  • Statement copies $4.00
  • Courtesy Pay fee $32.00
  • NSF/Overdraft fee $32.00
  • Stop payment fee $32.00 or 2% of check, whichever is greater
  • Cleared Check Image $2.00
  • Outgoing wire fee $20.00
  • Request to mail receipt $1.00
  • Closing Membership Savings within 90 days $25.00
  • Safe deposit box changes:
    • Size 3x5 $25.00 annual rental fee
    • Size 3x10 $50.00 annual rental fee
    • Size 5x5 $40.00 annual rental fee
    • Size 5x10 $60.00 annual rental fee
    • Size 10x10 $90.00 annual rental fee
    • Change locks $60.00
    • Key replacement $20.00

 

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4775 Hits

Reminder: Remote Deposit Capture checks must be endorsed correctly!

Members who use our convenient Remote Deposit Capture services via the SCCU mobile app should be sure to remember to correctly endorse their the back of their checks "for mobile deposit only." Failure to properly endorse the check will result in the check being rejected for deposit when using the Remote Deposit Capture feature.

To endorse a check for Remote Deposit Capture, simply print the words "for mobile deposit only" below your signature on the back of the check you are depositing. Please see below for an example of how remote deposit checks must be endorsed.

mobile deposit web graphic

To learn more about our mobile app with Remote Check Deposit (RDC) please click here.

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424 Hits

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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149 Hits

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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108 Hits

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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118 Hits

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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131 Hits

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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  141 Hits
141 Hits