Debit and ATM
Where are your free ATM locations?
You can use your SCCU Debit and ATM at any of SCCU’s office ATMs. With our participating in the Co-Op Network, you can use the over 30,000 participating ATMs across the U.S. and Canada. Search for Co-op ATMs under Locations and Hours.
What if I forgot my PIN number?
For security purposes, we do not have your PIN number on file. To reset your PIN, call us at 1-800-569-4167.
Can I get cash back at merchants?
Yes, at participating merchants, you can receive cash back with your Debit Card. To do so, you must hit debit on the payment terminal and enter your PIN.
My card is lost or stolen—what do I do?
Give us a call immediately at 1-800-569-4167. If it’s after hours, call our debit card processor directly at 1-800-535-8440 or our credit card processor at 1-800-528-2273. To get a new card, we must have the request in writing with your signature. You can fax a replacement card request to 715-395-0048.
General FAQs
Can I go to any SCCU location? Or any credit union for that matter?
Yes, we have six offices located in Superior, Duluth, Hermantown, Mellen, and Ashland. Check for hours and addresses on the locations page.
Also, with our participation in Shared Branching, you can access deposits and withdrawals of your SCCU account at over 5,000 different credit union locations around the country. Check out the Shared Branching Page for more details.
What is SCCU’s Routing Number?
SCCU’s routing number is 291880916
If setting up direct deposit, please add a 000 to the end of your account number for deposits into savings or a 080 to the end of your account number for deposits into checking.
Lending
How can I apply for a loan from SCCU?
We offer several different kinds of loans—from mortgages to credit cards. Most loans can be applied for through an online application, over the phone, or in person at any of our five locations. Through our Smart Choice Auto Buying program, you can receive SCCU financing at participating local auto and recreation vehicle dealers, even when SCCU is closed.
Does SCCU service my mortgage loan after I close?
SCCU services all of our mortgage loans in-house. This means we take your payments, pay your escrow, and answer your questions from the initial application until you pay your loan off.
Does SCCU offer student loans?
SCCU does not offer private student loans directly. However, we’ve partnered with Sallie Mae for the Smart Option Student Loan. Check out our page on Smart Option for details!
Does SCCU have credit cards?
Yes! SCCU has several different Visa Credit Cards for consumer borrowers.
Membership and Savings
What is a credit union, exactly?
A credit union is a financial institution which is cooperatively owned by the members (patrons) who use their services. We are also not-for-profit, so each year once our expenses and legal reserves have been set aside, the excess profit is returned to the membership. In the case of SCCU, we distribute our profits through member-friendly pricing on our savings and loan products, through our SCCU Rewards points program, and in the case of a good year, via a special patronage dividend paid out at the end of the calendar year.
How can I join SCCU?
Please see our Joining SCCU Page to view eligibility requirements. We will need you to open the account with a valid (non-expired) photo ID showing your current address and $5 to establish a membership savings account. Once a member, you can enjoy all the products and services SCCU has to offer.
Is my savings secure at SCCU?
We are insured by he National Credit Union Association (NCUA) a U.S. government agency. Your savings is insured to up to $250,000.
What’s the difference between Traditional and Roth IRAs?
Traditional and Roth IRAs vary on when and how they’re taxed. With Traditional IRAs, the earnings grow tax-deferred until withdrawn and your contributions may be tax-deductible. With Roth IRAs, your regular contributions can be withdrawn penalty-free and tax-free at any time. There are also certain circumstances when you can draw out of a Roth IRA penalty-free. Check out our IRA page for details
Online Banking
I’m locked out of my online banking, now what?
Online banking accounts are locked when too many incorrect password/security question attempts have been tried or if the account hasn’t had log in activity in 90 days. To reset the password or security questions, please call us at (800) 569-4167 during normal business hours. Once the password and/or questions are reset, you must log in successfully within 24 hours in order to not be locked out again.
Can I link up multiple SCCU accounts within online banking?
Yes. To simply view other accounts you have at SCCU, you can use the JUMP feature within online banking. To make transactions to and from multiple SCCU accounts, please e-mail us at [email protected] for a cross-account transfer form and instructions.
Can I make transfers to and from an account which isn’t at SCCU?
With our A2A External transfer features, you are able to deposit and withdraw funds from accounts held outside of SCCU. You must come in and speak to a Financial Specialist at any of our braches in order to establish A2A on your account.
Does SCCU offer a mobile app?
We do! You can download the mobile app for iPad, iPhones, and Androids by visiting our mobile site at www.superiorchoicemobile.com. You should be automatically prompted to download the app onto your device. The login information for the mobile version of online banking is exactly the same as the login information for your normal online banking account.
Does SCCU offer text banking and text alerts?
Absolutely! You can set up text banking in order to give you balance information, notices when you are running low on money in your accounts, reminders for loan due dates, and other notice information by going into your online banking and signing up for Text Banking.