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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SCCU MOBILE APP CURRENTLY UNAVAILABLE

Attention Members

Most likely due to the release of Economic Impact Payments, at this time, our mobile app is facing a very high volume. When attempting to log in, users may experience an error. However, online banking via a desktop device remains available. We apologize for any inconvenience and as always, thank you for your patience! 

Click here to log into your online banking: https://secure-superiorchoice.com/SignOn/Logon

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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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2020 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 to be sent to a random selection of SCCU members. If you receive a letter please confirm the requested information and return it to Hawkins Ash CPAs per the letter's instructions.

Thank you for your cooperation.

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COVID-19 UPDATE - LOBBIES TEMPORARILY CLOSING 11-23-20

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As you know the current climate the world faces today is continuously evolving. With the rise of COVID-19 cases in our area, Superior Choice Credit Union feels it's in the best interest of our staff and members to temporarily close our lobbies (excluding Bruce and Gilman branches) starting Monday, November 23rd, 2020. Although lobby services will be halted, financial specialists, commercial lenders, and mortgage originators remain available by appointment only, and drive-ups at all branches are open as well. 
 
As an essential business, we will continue to serve your financial needs. For best social distancing practices, please utilize our drive-ups, 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. We are paying close attention and monitoring the situation and will make changes as needed. As always, thank you for your membership!
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1282 Hits

WE ARE MAKING A FEW UPDATES

SATURDAY, OCTOBER 17, 2020 7:00 P.M. TO SUNDAY, OCTOBER 18, 2020 3:00 A.M. OUR ATMs AND DIGITAL BANKING SERVICES WILL BE TEMPORARILY UNAVAILABLE
 
Due to system maintenance upgrades, our ATMs and digital banking (app and online banking) will be temporarily unavailable during the evening/late hours on Saturday night.
 
We thank you for patience as we work through these upgrades and as always if you have any questions, please feel free to reach out to us by calling 800-569-4167 or emailing us at [email protected]

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CEO RETIREMENT ANNOUNCEMENT

Gary Elliott, President & CEO of Superior Choice Credit Union together with Mark Casper, Chairman of the Board announce the upcoming retirement of Mr. Elliott.  He will complete his service to the credit union in December this year.

Gary Elliott has been in financial institution management for the past 43 years having begun as a teller in a small-town agricultural bank in Central Illinois while attending college. He holds a B.S. degree in Business Administration from Illinois College in Jacksonville, IL, and is an alumnus of the Illinois Bankers School of Banking Carbondale, IL, and the Graduate School of Banking, UW Madison, WI.  Over the course of his career, Mr. Elliott earned the designation of Certified Public Accountant following a brief time of service in a public accounting firm where he spent time auditing banks and credit unions and as a tax professional.  Most of his 43 years were spent on the banking side of the industry with the final 19 years working for credit unions.

He came to Superior Choice Credit Union (F.K.A. Superior Community Credit Union) 15 years ago upon being selected as its President & Chief Executive Officer and has remained in that capacity since that time. When he arrived in 2005 the credit union had assets of $108 million, an employee group of 66, and three full-service branches. Today Superior Choice has $530 million in assets, employs 120 staff members, and operates 10 full-service branches. The credit union has prospered over his tenure and has earned the prestigious Crystal Performance Award from Raddon Financial Group for several years for its achievements.

Mr. Elliott and his wife have three sons and two grandchildren. He and his wife plan to relocate to Texas to be near his oldest son and family. For over twenty years Mr. Elliott has been an aviation enthusiast and aircraft owner. In retirement, he plans to spend more time exercising his pilot credentials for recreational use and for travel while also serving as near-by Grandpa.

The Board has engaged DDJ Myers, Ltd., a national credit union executive search firm to conduct a search for a new CEO.

Mark Casper said: “There has been a great deal of accomplishment over the years during Mr. Elliott’s oversight.  The Board and I wish to express our thanks to Mr. Elliott for his service to both the Credit Union and to the communities we serve.”

Gary Elliott said: “Ascending to the level of Chief Executive and leading a successful credit union was the accomplishment and highlight of my career. I wish to express my sincere gratitude to the Board for allowing me to serve in this capacity.”

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NOTICE: CONSOLIDATION OF BRANCHES STARTING SEPTEMBER 30, 2020

Effective September 30, 2020, we will be consolidating our Sheldon and Holcombe branch locations with our Bruce and Gilman branches.

It is with you, our valued member-owner in mind that we’ve made the decision we have. By consolidating branches, it will allow us to better serve our membership through enhanced staffing, tailored services, and lower operating costs, which in turn improves our ability to provide the best rates, products, and ultimately, returns for our membership.

We understand that visiting a branch near you can be an important part of our members’ lives. However, we want to assure you that we have a number of options available for you. With our recently upgraded systems, members have the opportunity to conduct most, if not all, of the same banking services online at superiorchoice.com. Members seeking services in person can also visit the following SCCU branches:

  • Bruce Branch: 719 N. Main Street, Bruce, WI 54819
  • Gilman Branch: 280 E. Main Street, Gilman, WI 54433
  • Mellen Branch: 117 S. Main Street, Mellen, WI 54546
  • Ashland Branch: 319 Ellis Avenue, Ashland, WI 54806
  • Tower Avenue Branch: 2817 Tower Avenue, Superior, WI 54880
  • Shoreline Branch: 2302 E. 2nd Street, Superior, WI 54880
  • Duluth Denfeld Branch: 4125 Grand Avenue, Duluth, MN 55807
  • Hermantown Branch: 4161 Haines Road, Hermantown, MN 55811

Additional ways you may also continue to receive service include:

The Superior Choice Credit Union board of directors and executive management team are committed to making decisions that will benefit the majority of our nearly 30,000 credit union member-owners. Thank you, again, for your understanding, support, and membership. We look forward to continuing to serve you – helping you achieve all of your financial aspirations.

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HELP SCCU STUFF THE BUS WITH SCHOOL SUPPLIES FOR SUPERIOR SCHOOL DISTRICT 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, 2020, 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 district. Supplies are distributed to students by school staff. Most needed supplies:

  • NO. 2 pencils
  • Pocket folders
  • Wide-ruled notebooks
  • Markers
  • Pink Erasers
  • Scissors
  • Earbuds
  • Child-sized cloth masks
  • Reusable water bottles

Thank you for donating so that all students in Superior will be ready for the new school year!

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AUGUST 12-14 BACK-TO-SCHOOL BLOOD DRIVE

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 12 from 12:00 PM - 6:00 PM, or August 13 or 14 from 9:00 AM to 3:00 PM. All three days will take place in the Barnes and Noble commons area of the Miller Hill Mall. Go to www.redcrossblood.org to schedule your appointment. 

Presenting donors will be placed in a drawing for one of two $250 pre-paid debit cards sponsored by Superior Choice Credit Union.

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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STUFF THE BUS

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STUFF THE BUS

AUGUST 1 - 23, 2020

Superior Choice Credit Union is collecting school supplies for the Head of The Lakes United Way's Stuff The Bus School Supplies Drive. You may drop off donations of NEW school supplies at our Tower Avenue or Shoreline Branches in Superior, WI. All school supplies collected will be delivered directly to the school districts and distributed by school staff. 

Most needed supplies: Backpacks, Wide-ruled notebooks, markers, pocket folders, clipboards, scissors, and earbuds

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835 Hits

AUTO LOAN RATES AS LOW AS 2.49% APR1

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CAR SHOPPING IS FUN WITH AN AUTO LOAN RATE THIS LOW
 
Shop for your next vehicle with Superior Choice Credit Union and see how easy it is to find and finance it. Get your low-rate today! To see if you qualify, visit superiorchoice.com to fill out an online application for an auto loan with a rate as low as 2.49% APR1.
 
APR1  = Annual Percentage Rate. Up to 120% MSRP financing including taxes, licenses, warranties, and all other adds. The rate posted is current as of 07/06/20 and is subject to change. Rate posted is the lowest possible rate. Your rate may vary depending on vehicle age or type, past credit history, down payment, and approximate term. Loan subject to approval. Membership eligibility required. Federally insured by NCUA.
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WE ARE UPGRADING OUR DIGITAL BANKING

TUESDAY, JUNE 30, 2020 AT 5:00 A.M. OUR DIGITAL BANKING SERVICES WILL BE TEMPORARILY UNAVAILABLE (FOR ABOUT AN HOUR)

Due to system maintenance upgrades, our Digital Banking (app and online banking) will be unavailable for about an hour, beginning at 5:00 A.M. on Tuesday, June 30. We thank you for your patience as we work through these upgrades. As always if you have any questions, please feel free to reach out to us by calling 800-569-4167 or emailing us at [email protected]
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WE ARE RE-OPENING

MONDAY, JUNE 8, OUR BRANCH LOBBIES ARE RE-OPENING

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WELCOME BACK

From all of us at Superior Choice Credit Union, we would like to say thank you for sticking with us through these uncertain times. As an essential business, SCCU has remained open via our drive-ups and digital banking channels during the COVID-19 pandemic. Now, as non-essential businesses are starting to re-open their doors, SCCU is taking proper action to ensure the health and safety of our staff and members is a top priority.
 
DETAILS ON RE-OPENING OUR LOBBIES:
 
Starting June 8, 2020, our branch lobbies will be officially re-opening. Although appointments are still necessary to see a Financial Specialist, our teller lines will be open for all transactions.
 
First and foremost, for best social distancing practices, we strongly encourage you to utilize our digital banking services as much as possible. Click here to log in to online banking.Click here to sign up for online banking. Click here to open an account or apply for a loan. These services are great and allow you to fulfill your banking needs right from your home. These convenient and easy to use options include:
  • Checking balances and transactions
  • Transferring funds
  • Depositing checks
  • Re-ordering checks
  • Paying bills
  • Pay and get paid with Popmoney
 
Our drive-ups and ATMs will continue to stay OPEN and this is your next best option for completing transactions in a safe and distanced manner.
 
With our lobbies re-opening we want to make sure HEALTH AND SAFETY always come first. Here are some changes you may see in order to adhere to proper local and state guidelines:
  • Staff will be wearing masks and it is encouraged that members do as well
  • Plexiglass barriers at teller stations/in-person meeting offices
  • Hand sanitizing stations and more frequent cleaning of all surfaces according to the CDC's guidelines
  • Social distancing of six feet or more - markers will be placed on the floor at branches for teller lines
 
If you would like to schedule an appointment to see a Financial Specialist, please call our Contact Center at 800-569-4167 or email [email protected]
 
One thing to note. Also, beginning June 8, SCCU branches will go back to standard hours of operation.  Click here to view a full list of hours at all locations. At this time, our Holcombe and Sheldon branches will stay drive-up only, and the Tower Avenue branch lobby will stay temporarily closed on Saturday's (Financial Specialist appointments still available upon request).
 
Reminder: For the safety of our team and our members, it is recommended that you wear a mask or face covering at all times while visiting a branch. For members who are diagnosed with COVID-19 or are exhibiting symptoms, we are asking you to please refrain from visiting our branches.
 
We look forward to being able to serve you in our lobbies again (although a little differently) and giving you a warm welcome (from a distance). From all of us at SCCU we want to say THANK YOU for trusting us, and we look forward to seeing you, once again.
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