Lobby Service Is Temporarily Closed

Superior Choice Credit Union is committed to protecting our members and staff during the COVID-19 outbreak. Here's what we're doing to ensure health and safety in our community and help you manage your money:
As our communities continue to work together to slow the spread of COVID-19, we are temporarily closing our branch lobbies and only providing drive-up services until further notice. 
While our branch lobbies are closed, please keep in mind:
  • We are adding an option for drive-ups to be accessed on bicycle or on foot.
  • Wait times in the drive-up may be longer than normal. Please be patient as we work with you to provide service in a timely manner.
  • Please avoid bringing in coins. Our drive-ups will not be able to process coin deposits or cash conversions.  


What precautions are we taking for member and staff health and safety?
Hand sanitizers, disinfectants, and other items will be available to staff. You will notice staff frequently cleaning touched items such as keyboards, computers, and drive up tubes as we heighten our cleaning and disinfecting protocols for everyone’s safety.
What if I had a scheduled visit at my branch?
Our branch staff will be calling you to make alternative plans as needed. We are here to make sure your banking needs remain met!
What if I need to sign a loan or account documents?
Our staff will work with you to get all documents signed securely using our e-signature technologies. Depending on the documentation, we may also be able to send it through the drive-up to you.
What if I am facing financial challenges as a result of COVID-19?
We understand that COVID-19 may cause financial challenges. We’re here to help.
Please contact us  with any concerns so we can discuss ways to work through it together.
If you have questions, please don't hesitate to call us at 800-569-4167.
What if I need access to my safety deposit box?
Appointments can be made as necessary for emergency purposes. Please reach out to 800-569-4167 if you have any questions.
We encourage you to manage your money 24/7 from home using the following methods:
Login to Online and Mobile Banking to:
  • Manage Your Accounts: You can transfer money between your SCCU or external bank accounts, view transactions, make mobile deposits, make loan payments, and more.
  • Open Deposit Accounts: You can apply for and open additional deposit accounts in minutes when you are logged into online and mobile banking.
  • Apply for a Loan Online: You can apply anytime for a mortgage, auto, or other consumer loan, and we can process most loans electronically.

Annual Meeting Notice:
The Superior Choice Credit Union Annual Meeting, which was scheduled to take place on April 16, 2020, has been postponed and we will be looking at alternative dates and/or methods of delivery.

We are here for you
Your health and safety are our top priority. We are paying close attention and monitoring the situation and will make changes as needed. Please frequently check our website at www.superiorchoice.com for any updates or call 800-569-4167 for questions!
As always, thank you for your patience!
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COVID-19 And Our Commitment To You

Superior Choice Credit Union is committed to the health and safety of our employees and credit union members during the continually changing COVID-19 pandemic.

Superior Choice Credit Union is monitoring local and national reports and we are adhering to guidance provided by the Centers for Disease Control (CDC), World Health Organization (WHO), and the local health authorities.

To ensure the health and safety of our staff and credit union members, we are taking precautions in the following ways:

  • Hand sanitizers, disinfectants, and other items will be available to staff and members at all SCCU locations. You may notice staff members frequently cleaning commonly touched items such as doorknobs, keyboards, computers, etc. We are heightening our cleaning and disinfecting protocols.
  • We are asking staff to limit non-essential travel, especially to areas where COVID-19 is prevalent. Those who are exhibiting symptoms or test positive for COVID-19 will be asked to self-quarantine to minimize risk to other staff members and our membership. Our employee policies are being updated to ensure employees feel supported and encouraged to stay home when feeling ill to prevent the spread of illness.
  • Members who are diagnosed with COVID-19 or exhibit symptoms are asked to please refrain from visiting our branches to prevent infecting other members or our staff.
  • If possible, we recommend that you utilize online banking, mobile app, or our Member Contact Center as your primary channels to conduct business.

If you need to:

  • Check your balance
    • Online Banking and Bill Pay at www.superiorchoice.com
    • Mobile App
    • Contact our Member Contact Center at 1-800-569-4167
    • Email [email protected]
  • Deposit a check
    • Mobile Deposit via Mobile App
    • Mail
    • Night Drop available at all branches
  • Send a check
    • If enrolled, you can use Bill Pay to send a check to any business or person within the United States – for free
  • Withdraw Cash
    • Use your ATM/Debit card at an ATM
    • Request cash-back (where allowed) with your Debit Card at point-of-sale
  • In extraordinary circumstances due to staff availability and illness, we may have to close branches temporarily. SCCU has a detailed business continuity plan in place so that we may continue to assist our members and operate the credit union, though branch lobby/drive thru access may be interrupted intermittently. Branch closures would be communicated at www.superiorchoice.com and on our 1-800-569-4167 service phone line.

SCCU continues to monitor local COVID-19 risk and may release further updates as the situation unfolds. We appreciate your understanding and cooperation in ensuring that our community is safe and healthy.

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Wendy Otterness, a financial advisor with SCCU Retirement and Financial Advisors located at Superior Choice Credit Union has been named a “Woman of Distinction” - a recognition which honors female financial advisors for their superior performance and extraordinary efforts in promoting financial security.

The Woman of Distinction recognition is presented by CUNA Brokerage Services, Inc. (CBSI) to top female advisors across the broker-dealer operation. Candidates are nominated by industry peers and selections are based on criteria including annual performance metrics and quality of service to clients.

For being recognized as a Woman of Distinction, Otterness will participate in a national mentoring program where she will have the opportunity to mentor and develop resources for female advisors who are new to the industry.

Otterness is a registered representative of CBSI – the leading broker-dealer serving the credit union marketplace – which partners with credit unions to operate programs dedicated to bringing members quality, personalized financial products and services. Services include retirement planning, financial management, insurance and wealth management.

For a no-cost, no-obligation consultation with SCCU Retirement and Financial Advisors, visit https://www.superiorchoice.com/wealth-management or call 715-398-8917.

Representatives are registered, securities sold, advisory services offered through CUNA Brokerage Services, Inc. (CBSI), member FINRA/SIPC, a registered broker/dealer and investment advisor, 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.

© CUNA Mutual Group, 2019


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Member support fee reminder

Reminder: As disclosed in our fee schedule, Superior Choice Credit Union reserves the right to implement a $3.00 per monthly statement cycle fee whenever the aggregate average account balance is less than $300 in any statement cycle. Minor accounts are excluded.

Please see https://www.superiorchoice.com/fees for our complete fee schedule.

This fee statement is current as of blog publishing time 2/13/2020.

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Our new online and mobile banking services are now available!

Thank you for your patience while we worked to implement our new online and mobile banking services. We're pleased to announce that our new services are up and running! Please read below for important information about logging in to the new system.

  • First-time login: Use your current online banking username to log in to our new online banking site. Your initial password will be the last four digits of your Social Security number or EIN for business accounts. You'll be asked to set a new, permanent password.
  • Mobile app: You will need to delete the old mobile app and install the new app. Click here for links to our new mobile app. You will not be able to log in to the mobile app until you have logged in to online banking and set up your permanent password.
  • Please ensure you are trying to access online banking via the correct link. Our new online banking system is found by visiting www.superiorchoice.com and logging in via our home page or by clicking the "online banking" menu item. Do not use a bookmarked version of our former online banking systems. This is the direct link to our online banking service: https://secure-superiorchoice.com/SignOn/Logon
  • It may take some time for historical data (such as prior statements) to load. Your historical transactions, check images, and statements will continue to load throughout the coming days.
  • Remember: If you were using It's Me 247 online bill pay services, you will need to re-enroll in online bill pay and enter your payees and payments.
  • Enhanced external Account-to-Account transfer capabilities are still begin programmed for our new online and mobile banking services. We will update members when this feature becomes available. In the meantime, if you want to transfer money between your accounts at SCCU and another financial institution, you may initiate the transfer from your non-SCCU account.
  • If your username was more than 15 characters long or contained special characters, it was not able to be converted to our new system. You will have to establish a new online banking username.

Click here to learn more about our technology upgrades.

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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


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


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


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

Drive Thru

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

Shoreline Branch


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

Drive Thru

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

Tower Avenue Branch


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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