Letter from SCCU: Wendy Otterness joins SCCU Retirement & Financial Advisors

Wendy Otterness for webSuperior Choice Credit Union has been pleased to bring the SCCU Retirement & Financial Advisors Program* to you, offering retirement, insurance and investment services to our members and their family. We would like to take this opportunity to introduce Wendy M Otterness as the new full-time SCCU Retirement & Financial Advisors Program financial advisor located here at the credit union. Wendy is replacing Dennis Archer due to his upcoming retirement and will provide services to those members who formerly worked with Dennis.

Whether you’re just beginning a family, paying for a child’s education or nearing retirement, this program is designed to help you with your unique financial needs. You may have just one financial issue you want to tackle today, or you may realize it’s time to put together a comprehensive financial plan. Whatever your needs may be, Wendy is here for you.

To meet with Wendy at no cost or obligation, call 715-398-8917 today, or visit the SCCU Retirement & Financial Advisors Program at your convenience.

*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. CUNA Brokerage Services, Inc. is a registered broker/dealer in all fifty state of the United States of America.

FR-1825420.1-0617-0719

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Tower Avenue Branch drive thru, ATM, and night deposit reopens

The Tower Avenue branch drive thru, ATM, and night deposit box are available once again for use by our members. The drive thru, ATM, and night deposit area was temporarily closed June 19-25 while construction crews worked on the Tower Avenue branch parking lot. The Tower Avenue lobby hours are back to regular service hours.

Some areas of our Tower Avenue branch parking lot remain closed due to construction. Please pay attention to and obey posted signage, cones, fencing, etc. Please, for the safety of our members, slow down and drive with caution!

Thank you for your patience while we work to make the Tower Avenue branch parking lot safer for our members.

For continual construction updates, please visit our Construction Updates web page.

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Wendy M Otterness Joins the SCCU Retirement & Financial Advisors Program at Superior Choice Credit Union

Wendy Will Provide Members Assistance with Retirement Planning, and Wealth Management Solutions

Serving WI and MN SCCU locations – Wendy Otterness has joined Superior Choice Credit Union as a financial advisor, exclusively serving the credit union’s membership through the SCCU Retirement & Financial Advisors Program. Wendy, a financial advisor with over 15 years of experience in the financial industry, is now available to meet with individuals to evaluate their financial situation, offer recommendations and coordinate their investment and insurance choices.

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Tower Avenue branch parking lot under construction

You may have noticed that our Tower Avenue branch parking lot is under construction! Stay tuned to important updates by visiting our construction updates web page. Click here to visit the page.

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Update: New mobile app coming soon!

App preview imageSuperior Choice Credit Union is excited to announce a new mobile app for our members. The anticipated launch of the new app is the week of June 19, 2017. Features of the new app will include:

  • Single sign on. With the new app, all you need is your It's Me 247 online banking login to access remote check deposit. No longer will you have to keep two user names and passwords for the SCCU app!
  • Streamlined app services. The new app features a simplified menu, allowing for easier navigation. You'll have access to mobile check deposit, mobile banking, transfer money, and more.
  • Available for multiple devices. The new SCCU mobile app will be available for download from the Google Play Store or Apple's iTunes Store and can be used for devices such as smartphones and tablets.

We'll be sure to send out an email update when the new app is officially available for download. Once the new app is launched, you will have to download it from Google Play or iTunes. Current remote check deposit users will have to be re-approved for the remote check deposit service using a very simple registration process.

Once the new app is successfully launched, the current app will be decommissioned. But for now, you may continue to use the current SCCU mobile app.

Superior Choice Credit Union is pleased to be able to offer this enhanced mobile app for our members. Thank you for your patience while we work on rolling out this new mobile app!

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New mobile app coming soon!

App preview imageSuperior Choice Credit Union is excited to announce a new mobile app for our members — coming soon in June 2017! Features of the new app include:

  • Single sign on. With the new app, all you need is your It's Me 247 online banking login to access remote check deposit. No longer will you have to keep two user names and passwords for the SCCU app!
  • Streamlined app services. The new app features a simplified menu, allowing for easier navigation. You'll have access to mobile check deposit, mobile banking, transfer money, and more.
  • Available for multiple devices. The new SCCU mobile app will be available for download from the Google Play Store or Apple's iTunes Store and can be used for devices such as smartphones and tablets.

We'll be sure to send out an email update when the new app is available for download in June 2017. Once the new app is launched, you will have to download it from Google Play or iTunes. Current remote check deposit users will have to be re-approved for the remote check deposit service using a very simple registration process. For now, you may continue to use the current SCCU mobile app.

Superior Choice Credit Union is pleased to be able to offer this enhanced mobile app for our members. Thank you for your patience while we work on rolling out this new mobile app!

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SCCU is closed for Memorial Day

Superior Choice Credit Union's six branches and administrative office will be closed on Monday, May 29 in observance of Memorial Day. Our Saturday hours will be unaffected by the holiday weekend. We will be open again for normal business hours on Tuesday, May 30.

For after-hours lost/stolen credit or debit card contact information, please click here.

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Join us at the 2017 Twin Ports Elder Abuse Awareness and Prevention Community Forum

Superior Choice Credit Union's Tanya Martineau will be on hand for the panel of service providers at the 2017 Twin Ports Elder Abuse Awareness and Prevention Community Forum. Tanya will provide insight on elder abuse as it pertains to their finances.

Other collaborators include representatives of Douglas County Aging & Disability Resource Center (ADRC), Center Against Sexual & Domestic Abuse (CASDA), MN Elder Justice Center, Till, Salzer & Blank, Ltd., Superior Housing Authority, WI Indianhead Technical College (WITC), City of Duluth Senior Programs, Douglas and St. Louis County Adult Protective Services (APS) and UW-Superior Center for Continuing Education.

Every year an estimated 5 million, or 1 in 10, older Americans are victims of elder abuse, neglect, or exploitation. And experts believe that for every reported case of elder abuse or neglect, as many as 23.5 cases go unreported.

This forum will provide resources and an opportunity to ask questions by a panel of experts who deal with cases of elder abuse.

The forum takes place on Thursday, June 15 at UW-Superior. 

Click here for details and registration.

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Don't get romanced into providing login credentials and money

According to CUNA Mutual Group, romance and dating scams continue to victimize credit union members nationwide. Fraudsters ultimately convince them to provide account login credentials. These scammers then login to the account and use ACH debits or enroll for mobile remote deposit capture to deposit fraudulent checks. The members subsequently transfer the funds to the scammer before the ACH debits or checks are returned.

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Youth Month: Teach your little owls to fly with money talks

Youth Month 2017 Website Banner

The first step to teaching your kids about money is talking about money.

“The most effective way to teach is by having frequent discussions and don’t ever lecture,” said Ted Beck, president and chief executive of the National Endowment for Financial Education, in a recent Wall Street Journal article. “Look for teachable moments and always be willing to answer questions.”

Unfortunately, this can also be the hardest.

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DATCP: The IRS will not call and threaten you

The Wisconsin Department of Agriculture, Trade, and Consumer Protection is warning Wisconsin residents against falling for fake phone calls from the IRS. 

From the DATCP website:

"Despite a recent lull, fake Internal Revenue Service (IRS) phone calls are back. This nationwide scam appeared to take a temporary break following the crackdown on a foreign call center last year, but the Consumer Protection Hotline at the Wisconsin Department of Agriculture, Trade and Consumer Protection (DATCP) has recently received a number of reports of these types of scam attempts.

DATCP asks Wisconsin residents to watch for phone calls demanding payment or threatening legal action for unpaid taxes and to hang up on these scammers. Given that the tax season is about to wrap up, consumers should be on guard against calls that use this as part of their ploy."

For more details and to read the entire press release, click here to read more information on the DATCP website.

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Go green with eStatements!

Did you know you can receive your statements online?

Why Bother with the Mail?
Get your statements when you want them, online.

Helps protect against Identity Theft
No paper to shred, no one going through your garbage.

Here’s How
Use the eStatements Enrollment page to sign up to receive your SCCU account statements electronically through It’s Me 247 online banking. eStatements give you access to up to 12 months’ worth of account statements, so that you can view, print, or even save them to your local computer if you wish.

To sign up for eStatements, log in to your It's Me 247 online banking account. Click the "Info Center" tab. Under the "My Preferences" header, click the "eStatement Options" link at the bottom of the list.

On the eStatement Options page, choose the enrollment option you wish from the list at the bottom of the page. Enter your email address, then click "Accept." You can immediately view your statements now, or return to It’s Me 247 at a later time and click the eStatements button on the main menu.

Separate help will be available while viewing your statements, to explain the e-Statement viewing and printing options.

A notification email will be sent to you each month or quarter (depending on when you would normally receive your account statement). For security reasons, the statement itself will not be attached to the email; you must log in to It’s Me 247 using your account number and password to view statements from our secure server.

If you have already signed up for eStatements, you can use this page to change the enrollment option you’ve selected, or un-enroll completely so that you will begin receiving your statement via the regular mail again as before.

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Three major benefits of paying off debt to keep you motivated

This article appeared first on the "Sense & Centsibility" Personal Finance Blog from our friends at LSS Financial Counseling. Superior Choice Credit Union is proud to partner with LSS Financial Counseling to provide free debt counseling to SCCU members. For more information, call 1-800-528-2926.


If you have credit cards with balances, have you ever really stopped and thought about what life would be like without those monthly payments? Whether you’ve been paying for a while or just starting out, here are three benefits of paying off debt that will help keep you motivated.

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Maintenance to SCCU mobile app's RDC feature scheduled for March 14

Thank you for being a valued Superior Choice Credit Union member.

We want to let you know that on Tuesday, March 14 starting at 7 a.m., the Remote Deposit Capture feature of the SCCU mobile app will be down while scheduled maintenance is completed. The scheduled maintenance window for the interruption of service is 7 to 9 a.m.

The service interruption will NOT affect any other portion of our mobile banking app and will only affect the Remote Deposit Capture (RDC) function during that time window.

Thank you for your patience. We apologize for any inconvenience while we work to complete this important maintenance.

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Annual Report and Board of Directors Election Results

Superior Choice Credit Union held its 84th Annual Meeting on Thursday, February 16, 2017, at the WITC-Superior Conference Center.

Approximately 150 members and SCCU staff gathered to hear the report to the membership, report of the credit committee and loan officers, report of the auditor, a question and answer period, Board of Directors election results, and more. Click here to read the 2016 Annual Report.

This year, members elected three directors to the SCCU Board of Directors for three-year terms. Board of Directors election winners were Mark Casper, Chales Glazman, and James Larson. Congratulations to the winners! This year's candidates included (listed alphabetically) Mark Casper, Charles Glazman, James Larson, and Benjamin Thoen.

Please join us on Thursday, February 22, 2018, at the Barker's Island Conference Center for SCCU's 85th Annual Meeting.

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Beware of phone and email phishing scams!

According to the Federal Trade Commission, "When internet fraudsters impersonate a business to trick you into giving out your personal information, it’s called phishing. Don't reply to email, text, or pop-up messages that ask for your personal or financial information. Don’t click on links within them either – even if the message seems to be from an organization you trust. It isn’t. Legitimate businesses don’t ask you to send sensitive information through insecure channels."

Click here to visit the FTC website for information:

  • Examples of phishing messages
  • How to deal with phishing scams
  • Action steps
  • Report phishing scams

If you have questions about your account, call Superior Choice Credit Union at 1-800-569-4167.

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SCCU in the News: Brewery planned for Superior

The following is a press release supplied by Bev-Craft:

Brewery planned for Superior

Twin Ports’ brewing pioneer announces new venture

It has been 50 years since Superior, Wis. has had a brewery producing beer for the regional market, when Northern Brewing Company shuttered its doors in 1967. Continuing with their mission to support the re-localization of brewing, Tim Nelson and his company Bev-Craft have announced plans to build Earth Rider Brewing Company to service the Twin Ports, and the South and North Shores of Lake Superior.

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SCCU Closed Monday, Jan. 16 for Martin Luther King Jr Day

All branches and administrative offices of Superior Choice Credit Union will be closed in observance of Martin Luther King Jr. Day on Monday, January 16. 

It's Me 247 Online Banking is available all day, every day. For after-hours lost/stolen credit and debit card phone numbers, click here.

Superior Choice Credit Union will be open for normal business hours on Tuesday, January 17.

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2017 Board of Directors Election and Annual Meeting

This year, members will elect three directors to the SCCU Board of Directors to three-year terms. This year's candidates include (listed alphabetically) Mark Casper, Charles Glazman, James Larson, and Benjamin Thoen.

Candidate Biographies

Mark Casper
-Owner Keyport Liquor and Lounge and Part-Owner of Epic Restaurant and Lounge
-Currently the Vice Chair on the SCCU Board of Directors
-Present Board Member for Superior Chamber of Commerce, Junior Achievement, UW-Superior Foundation, and Superior Rotary Club
-Married with two children

Charles Glazman
-Associate Dean of Continuing Education for Wisconsin Indianhead Technical College (WITC)
-Obtained a Doctorate degree in Educational Leadership from the University of Minnesota in 2008
-Involved in local initiatives such as the Northland Technology Consortium, Northwest Wisconsin Concentrated Employment Program Board of Directors, the Wisconsin Job Center-Superior Local Planning Team, and the City of Superior Police and Fire Commission

James Larson
-Graduated from Michigan Tech University with a Bachelor of Arts degree in Civil Engineering
-Currently on the SCCU Board of Directors, serving as Chair of the Audit and Compliance Committee
-Retired from the Wisconsin Department of Transportation
-10 year volunteer as tax aide and counselor with AARP

Benjamin Thoen
-Corporate Executive Chef for Black Woods Group
-Associate of Applied Science (A.A.S.) degree in Culinary Arts from the Le Cordon Bleu College of Culinary Arts in Chicago, Illinois
-Board of Directors for Book Across the Bay in Ashland, WI
-Involved in area events such as Zo La La Gala for Lake Superior Zoo in Duluth, and the Black Woods Blizzard Tour

Voting Information

Voting via online banking for eligible voters will begin on Friday, January 13, 2017, and will end Wednesday, February 15, 2017 at 12 p.m. You can vote for the candidates from inside your encrypted online banking session. Just log in to It's Me 247 and look for the “Vote Now” icon to cast your ballot.

Prefer to vote in person? Every office will have a locked ballot box and paper ballots Starting on Friday, January 13, 2017, until the end of the day on Monday, February 13, 2017. You may also have a ballot and candidate information sent to you via the mail if that works best. Paper ballots received after Monday, February 13, 2017, will not be counted. 

Only “Eligible Voting Members” may vote. This is defined in SCCU’s bylaws as a member who:
a. Is over the age of 18
b. Is the primary or sole account holder
c. Joined SCCU BEFORE July 12, 2016 (i.e. they need to have been a member six months at the end of the business day before the voting period begins on Jan. 13)

Businesses/Trusts/Organizations CAN vote, but the vote must be cast by an authorized representative. There is no duplicate voting—the concept here is “one member, one vote.”

Annual Meeting Information

Please join us on Thursday, February 16, 2017, to hear election results and review SCCU’s financial performance in 2016 at SCCU’s 84th Annual Meeting. The meeting will begin at 7 p.m. at the WITC-Superior Conference Center. Click here for information about the WITC-Superior Conference Center.

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Superior Choice Credit Union to host “Great Debt Pay Down” challenge in partnership with LSS Financial Counseling

Great Debt Pay Down web banner

In an effort to work toward building a financially healthy community, Superior Choice Credit Union and LSS Financial Counseling are pairing up once again to host the Great Debt Pay Down challenge in 2017.

In short, the Great Debt Pay Down is a year-long competition to see who can lower their debt-to-income ratio by the greatest percentage. The challenge consists of attending at least quarterly individualized financial counseling sessions with an LSS financial counselor and attending group education seminars on a variety of topics. The top three participants who lower their debt-to-income ratio the most will receive $3,000; $1,500; or $500 toward further paying down their debts.

The Great Debt Pay Down is not just a contest to win money, however. The challenge is designed to change each participant’s relationship with money in an effort to help conquer debt.

“Part of our mission as a credit union is to provide ways for our members, and others, a way to become financially well educated,” Superior Choice Credit Union President/CEO Gary Elliott said. “Not only do we want Superior Choice Credit Union to succeed, but we want individuals to be empowered financially as well. It’s a win-win situation.”

The Great Debt Pay Down is a year-long challenge that is open to SCCU members and non-members alike who reside in or are employed in Ashland, Bayfield, Burnett, Douglas, and Iron Counties in Wisconsin as well as the southern portion of St. Louis County in Minnesota. There is no fee associated with participating in the program.

Those who are interested in participating in the program should visit https://www.superiorchoice.com/GDPD to view Great Debt Pay Down challenge details and to download a printable application. Applications to participate in the 2017 Great Debt Pay Down challenge are due back to the credit union no later than Friday, January 27, 2017.

About Superior Choice Credit Union
Superior Choice Credit Union operates six, full-service branch locations around the Northland offering a full line of financial products and services. Since 1932, SCCU has been serving the financial needs of its member/owners. As a member-owned cooperative, members have a say in their financial institution. SCCU is not in business for profit—service to our membership is the only mission.

About LSS Financial Counseling
LSS Financial Counseling is a nonprofit, full-service credit counseling agency. They equip and enable people in their communities around the United States with quality guidance, knowledge, and tools so they can skillfully achieve freedom from debt and worry about their finances. Their offices are located in Minnesota and Wisconsin, with services offered locally and nationally over the phone and online. LSS Financial Counseling is accredited by the Council on Accreditation, a member of the National Foundation for Credit Counseling, and is one of the most trusted credit counseling organizations in the United States. Visit http://www.lssmn.org/debt/ to learn more.

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