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).

Continue reading
  1356 Hits
1356 Hits

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.

Continue reading
  943 Hits
943 Hits

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:

Continue reading
  869 Hits
869 Hits

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.

Continue reading
  1551 Hits
1551 Hits

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.


Continue reading
  2367 Hits
2367 Hits

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.
Continue reading
  1111 Hits
1111 Hits

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!

Continue reading
  1197 Hits
1197 Hits

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 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.


Continue reading
  1286 Hits
1286 Hits

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.

Continue reading
  956 Hits
956 Hits

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.

Continue reading
  897 Hits
897 Hits

Important information about SCCU debit and HSA cards

Superior Choice Credit Union will be upgrading debit and HSA card processing in July 2019

We’re updating our debit card processing services to better serve your financial needs. As part of this process you may receive a new VISA card to replace your current Superior Choice Credit Union debit or health savings account (HSA) card. New debit and HSA debit cards will be arriving in your mailbox after July 8, 2019. This transition will affect debit and HSA cards starting with the digits 4600 07 or 4307 48.

Follow these instructions for a smooth transition

  • Please activate your new card by calling the number shown on the face of the new card.
  • You can activate and start using your new card as soon as you’d like.
  • The last day to use your old card will be Tuesday, July 23, 2019. Your old card will no longer work after this date!
  • Once you have activated your new card and ensured it is working by making a transaction, you may destroy your old card by cutting it up.
  • If you have any pre-authorized or recurring debits (gym membership, insurance payments, subscription services, etc.), you will need to update those merchants with your new VISA card information.
  • Your existing card alerts will not be converted. You will need to establish new alerts for your new card.
  • Your existing PIN will not transfer to your new card. You must set a new PIN to be able to successfully withdraw cash from an ATM or make PIN-based transactions. You may set your PIN by calling the activation phone number 24/7 or by calling the credit union at 1-800-569-4167 during normal business hours. If you do not set a new PIN, your card will be blocked for security purposes after making three unsuccessful PIN-based transactions.


We are in the process of switching our debit/HSA/ATM card processor in order to better poise the credit union for advanced security features and digital options in the future. Due to this technology change, cards that were issued on the old system will not work. We are sending new cards to a majority of our members in July 2019 to prepare for the change in processors.

Members with a debit card number that starts with the digits 4600 07 or a health savings account (HSA) card number that starts with the digits 4307 48 will receive a new debit or HAS card in the mail after July 8, 2019. If you have an SCCU debit card or a former Dairyland State Bank debit card that does NOT start with the digits 4600 07, your card will be reissued at a later date.

At this time, your ATM card will continue to work as it has before. You will only receive a new ATM card if it expires or is reported lost or stolen.

SCCU credit cards are not part of the July 2019 reissue project.

If your card is a part of the July 2019 re-issue project (see the “Will everyone receive a new card?” question above), you should receive your new card after July 8, 2019. If you do not receive a new card prior to the July 24, 2019 deactivation date for old cards, please contact the credit union at 1-800-569-4167.

No, you will have a new card number, expiration date, and CVV.

Yes, you will be able to set up a PIN when you activate your new card by following the instructions that will be included with your new card.

If you are reissued a new debit or HSA card, you will not be able to use your old card. We are switching to a new processing platform on July 24, 2019 and your old debit or HSA card will not work on the new platform.

Yes! We will have new debit, HSA, and ATM card designs that complement each other, but are clearly labeled with the card type.

If you receive a new debit or HSA card, it should be activated as soon as possible. Once you have tested that your new card is working properly by making a successful transaction, you may destroy your old card by cutting it up. Your old SCCU debit or HSA card will not work as of July 24, 2019 so it is very important that you activate your new card. Your card will come with activation instructions.

If you anticipate being away from your home address between July 8 (when the new cards were mailed out) and July 24 (when current cards will stop working) be sure to travel with alternative payment options such as a checkbook, cash, or credit card. In addition, SCCU members have access to their accounts at thousands of credit unions nationwide thanks to our Shared Branching network. Click here to learn more about shared branching.

If you don’t activate your new card prior to the July 24, 2019 conversion date, you will not have access to your checking or HSA account with your old card. Any recurring payments scheduled for July 24, 2019 or afterward will not be processed without updating merchants with your new card information.

The new after-hours support number will be 866-553-2917. During business hours, please call us at 800-569-4167 or stop by your nearest branch of SCCU.

Continue reading
  4299 Hits
4299 Hits

SCCU Retirement and Financial Advisors: Diversification, Patience, and Consistency

Diversification, Patience, and Consistency

Three important factors when it comes to your financial life.

Provided by Wendy Otterness

Regardless of how the markets may perform, consider making the following part of your investment philosophy:

Diversification. The saying “don’t put all your eggs in one basket” has real value when it comes to investing. In a bear or bull market, certain asset classes may perform better than others. If your assets are mostly held in one kind of investment (say, mostly in mutual funds or mostly in CDs or money market accounts), you could be hit hard by stock market losses, or alternately, lose out on potential gains that other kinds of investments may be experiencing. There is an opportunity cost as well as risk.1

Asset allocation strategies are used in portfolio management. A financial professional can ask you about your goals, tolerance for risk, and assign percentages of your assets to different classes of investments. This diversification is designed to suit your preferred investment style and your objectives.

Patience. Impatient investors obsess on the day-to-day doings of the stock market. Have you ever heard of “stock picking” or “market timing”? How about “day trading”? These are all attempts to exploit short-term fluctuations in value. These investing methods might seem fun and exciting if you like to micromanage, but they could add stress and anxiety to your life, and they may be a poor alternative to a long-range investment strategy built around your life goals.

Consistency. Most people invest a little at a time, within their budget, and with regularity. They invest $50 or $100 or more per month in their 401(k) and similar investments through payroll deduction or automatic withdrawal. They are investing on “autopilot” to help themselves build wealth for retirement and for long-range goals. Investing regularly (and earlier in life) helps you to take advantage of the power of compounding as well.

If you don’t have a long-range investment strategy, talk to a qualified financial professional today.

Wendy Otterness may be reached at 715-398-8917 or [email protected]

This material was prepared by MarketingPro, Inc., and does not necessarily represent the views of the presenting party, nor their affiliates. This information has been derived from sources believed to be accurate. Please note - investing involves risk, and past performance is no guarantee of future results. The publisher is not engaged in rendering legal, accounting or other professional services. If assistance is needed, the reader is advised to engage the services of a competent professional. This information should not be construed as investment, tax or legal advice and may not be relied on for the purpose of avoiding any Federal tax penalty. This is neither a solicitation nor recommendation to purchase or sell any investment or insurance product or service, and should not be relied upon as such. All indices are unmanaged and are not illustrative of any particular investment.

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.

1 - [5/27/19]

Continue reading
  944 Hits
944 Hits

SCCU sponsors Summer Dollar Days family movies in Ladysmith

We're excited to partner with Miner Theatre in Ladysmith for their Summer Dollar Days program offering affordable, family-friendly movies all summer long!

Head to the Miner Theatre for these SCCU-sponsored movies:

  • June 11 at 2 p.m. — Hotel Transylvania 3: Summer Vacation
  • July 16 at 2 p.m. — Matilda
  • August 6 at 2 p.m. — Cloudy with a Chance of Meatballs

Summer Dollar Days features family-friendly movies for just $1 per person all summer long. For the full schedule of events, click here to visit the Miner Theatre website.


Continue reading
  1120 Hits
1120 Hits

Cap and Benjamins: Using Graduation Gift Money

college grads throwing capsSo, you’ve graduated from college. While it may be tempting to take your graduation gift money and spend like crazy, using the money wisely will set you up for a healthy financial future.

Continue reading
  948 Hits
948 Hits

Have some stunning local photos to share? Enter our photo contest!

What we're looking for

Striking digital images of local landmarks and landscape.

How to enter

A max of 2 photos per entrant must be submitted in digital format (high-resolution JPEG) to [email protected] by close of business Friday, June 28, 2019. We will require an entry form filled out with full details including name, phone number and address.


• Must be 18 years or older to enter
• Entries must be submitted via email by Friday, June 28, 2019.
• Entries must be your own work
• If you choose to include people in your submission, you must be able to provide signed copies of photo releases for each individual.
• Photos must be at minimum 6-million-pixel resolution (2800X2800 pixels)


There will be up to eight winners. A $25.00 VISA gift card will be awarded to the winners, as determined by a panel of SCCU staff member judges.

Entry form

Click here for a PDF entry form. Digital photos and entry forms must be submitted via email. Physical copies or faxes of photos/entry forms will not be accepted.

Continue reading
  1697 Hits
1697 Hits

Join us for the Twin Ports Elder Abuse Awareness and Prevention Forum

stop elder abuse squareDo you know what to do if you are experiencing,  observing or suspecting abuse? Do you know what you need to know to project yourself  or someone else from financial exploitation, fraud, scams and other forms of elder abuse?

One out of 10 older adults experiences some type of elder abuse each year. Learn what you can do to keep yourself and/or friends and family safe.

Join Superior Choice Credit Union and a number of other community partners at the 2019 Twin Ports Elder Abuse Awareness and Prevention Forum on Friday, June 14 from 11:30 a.m. to 1:30 p.m. at the Superior Public Library. There is no charge to attend, but registration is requested to provide a head count for the meal.

This forum will give participants an increased understanding of the incidence of elder abuse in our community and the many ways it is perpetrated.

A panel of community experts who work with people experiencing, observing or suspecting all kinds of elder abuse will introduce you to the services they provide and answer your questions. There will be resource materials available from many agencies throughout the Twin Ports who can help you prevent and end abuse.

Click here to register online, or call 715-394-8469 to RSVP. More details may be found online on the official event page.

Continue reading
  1102 Hits
1102 Hits

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.

Continue reading
  1001 Hits
1001 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.

Continue reading
  873 Hits
873 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 a certificate account special 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!

Click here to learn more about our June Dairy Month certificate bonus special!

Continue reading
  1176 Hits
1176 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.


Continue reading
  1087 Hits
1087 Hits

By accepting you will be accessing a service provided by a third-party external to