A printed version of this newsletter is available in our lobby or by request. You may also view on our website at www.northwoodscu.org.
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It is important to us here at Northwoods Credit Union to be a resource for our members when they are facing financial hardships, coronavirus or otherwise. Our staff is trained to not only conduct your financial transactions, but also to help you through troubling financial times. If you’re feeling concerned about your current or potential financial situation, please contact us. We have programs and plans in place to help our members and we are here to help.
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We are pleased to be able to hold our Member Appreciation Day/Youth Day for the above dates! Free lunches will be provided with more info to come, so stay tuned to our social media accounts and website in the meantime! |
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Northwoods Credit Union is monitoring the coronavirus situation and has taken steps to help keep our members and staff healthy. In the recent months, our lobbies have now fully opened for regular hours along with our drive-ups for simple teller transactions. For anything more complicated or lengthy, we ask that you make an appointment. We also offer a variety of online options to help you complete transactions and view account information.
You may apply for a Northwoods CU loan online 24/7 at https://www.netit.financial-net.com/northwoodscu-loan/…/ebs… or call us during regular hours to do a loan application over the phone. We also have online options for checking your balance, making transfers, paying bills and even depositing checks! If you’d like additional information on any of these products, please feel free to call or text us at 1-888-458-0975 or you can email us at ncu@northwoodscu.org
Thank you in advance for working with us to prioritize the health and safety of our communities, and please let us know if there is anything we can do to help. We are in this together.
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We Offer Reloadable Visa® Cards along with our Visa Gift Cards! |
You're probably aware that we've had Visa Gift Cards available for years. They're $3.95 to purchase, available to purchase from $10-$1,000 to use yourself or give as a gift. Once the original amount is gone, the card can be thrown away. These are perfect for any gift or a one-time purchase.
With our new Reloadable NCU Visa Cards, you can reload your card again and again! They also have an app, CUMoney, that allows you to check your balance, view receipts and transactions, turn your card off if lost and then back on when found! The Reloadable NCU Visa Card is accepted worldwide and has the secure EMV chip which makes it great for travel - domestic or international. These cards make a great option for our members!
- Use for Travel
- Give as a Gift
- Send with your college student to reload as needed
- Use for online purchases
- Use in place of a checking account
- Manage your money without worry of overdraft fees
The NCU Reloadable Visa Cards cost $5 to purchase. You may load the card in amounts $100-$5,000. Each time the card is reloaded, there will be a $2.00 charge. Best of all, these cards are easy to purchase and use!
STEP 1 Purchase and load the card at Northwoods CU. You can begin using card immediately.
STEP 2 Use your card to buy gas, pay bills online, shop, online purchases, etc.
STEP 3 Reload your card at Northwoods CU or through the CUMoney app!
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NCU's newest billboard located near the Highway 33 / I-35 roundabout!
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Northwoods Retirement & Investing Services |
Ed Grondahl, Financial Advisor addresses inflation.
NRIS section – FR3337401.1-1120-12222.
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Sign Up for Texting Service |
*Please note that NCU offers two types of texting service:
Conversational Texting allows us to text you regarding something specific to you.
You may OPT IN by texting any of our main phone numbers.
You may OPT OUT by texting ‘opt-out’ to any of our phone numbers
News & Updates Texting allows us to send a text to many members notifying you of an event at the Credit Union, a branch closure, etc.
You can OPT IN to receive these by texting ENROLL NEWS to 1-888-458-0975
You can OPT OUT of these by texting QUIT to 1-888-458-0975.
(Message & data rates may apply)
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Events are back for 2021!
July
Sunday, July 4th
Moose Lake 4th of July Parade
Monday, July 5th
All offices closed in observance of Independence Day.
Sunday, July 11th
Floodwood Catfish Days (Parade Cancelled)
Tuesday, July 13th
FLDTCC Cloquet Croquet
Sunday, July 25th
Carlton Daze Parade
Friday, July 30th
Moose Lake Nine & Dine
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August
Tue, Wed, Thurs, August 10th, 11th, 12th
Member Appreciation & Youth Day
Saturday, August 14th
Esko Fun Days Parade
September
Monday, September 6th
Closed in observance of Labor Day
Saturday, September 18th
Floodwood Fall Color Fest
Cloquet Library Grand Open House Celebration
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Quarterly Teen Club Financial Article Contest
We, unfortunately, didn’t receive any article submissions from our members this past quarter and so this quarter we have an article from our guest writer, Dane Mason.
Be sure to get your article in prior to September 30th for your chance to have your article published and a chance to win $100!
How Teens Can Make Money!
Hi my name is Dane Mason and I will be sharing some of the ways that teens can make money. You don’t have to be sixteen or older to get a job. And your job doesn't have to be a real job like working at a fast-food restaurant. You can be thirteen and mow lawns. For example, you bike or walk to the house's lawn that you are going to mow and you usually get paid in cash.
You might be able to mow your grandmas, your neighbors or even maybe your parents' coworkers need someone to mow their lawn. Say you mowed two lawns and make $25 for each lawn. Mow both of those a week. Say both lawns combined take 4 hours. If you mow from June to the end of September, at the end of the summer you just made $850! That is saying you only did two lawns and you could do a lot more. You can also babysit. The average price to babysit one kid is $17 an hour (according to ziprecruiter.com).
So, let’s say the parents leave at 6:00pm and they say we will be home around 9:00pm. You just got to hang out and play with toys and kids for three hours and you just got paid $51 for doing that. Now you can also shovel and snow blow sidewalks and driveways in the winter. Home Advisor stated that the average company, to shovel up to 6 inches of snow, can cost $25 to $75.
Depending on how big the sidewalk and driveway. They say that this is why some people decide to hire local, such as teens, to shovel and snow blow. Say you're fourteen or older and you would rather work in a building. At fourteen you can work at Starbucks and McDonalds. Indeed.com reports McDonald’s average pay for a fourteen year old is $150 for a twelve hour week.
You can also get paid for Umpiring baseball. If you know how baseball is played you get to watch a game and get paid for it. So there are a lot of jobs that you can get paid for.
This list that I just gave today is not even close to all the ways that you can make money. Right now if you start saving up your money, you can buy a car at sixteen or maybe you have a car but want a better one or want to save up for an apartment when you turn eighteen.
Your family might take a trip and now you have money to spend on your trip. These are all possibilities but at least you know that you don’t have to wait until you’re 16 to buy something you want. You just got to go out there and start!
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Debit Card Users,
In an effort to efficiently monitor our debit card portfolio we will perform quarterly maintenance. If you don't use or have never activated your debit card after 12 months, the card will be closed. All you have to do to keep your debit card active is use it once anywhere you'd like.
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REVIEW YOUR ACCOUNT
Please be sure to review your account beneficiaries. To add a beneficiary to your account you will need their date of birth, social security number and their address. Ask your MSR next time you stop in or call to verify that this is correct on your account.
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AVOID IDENTITY THEFT
These resources can help you monitor your credit & avoid identity theft.
Opt Out 1-888-567-8688
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How to Financially Prepare to Purchase Your First Home |
This short video will help explain how to purchase your first home: VIDEO
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Northwoods Credit Union was proud to help plan and attend Senior Day in Cloquet in recognition of World Elder Abuse Awareness Day!
Senior Day in Cloquet was held on 6/15 in partnership with Reliable Insurance Agency to help raise awareness for World Elder Abuse Awareness Day. The event went from 11 a.m. - 3p.m. with free transportation provided by Arrowhead Transit.
Local food & craft vendors were on-site with community resources also available to those in attendance. Prizes were handed out hourly with many generous donations from local businesses. Nearly $400 was raised for the Meals on Wheels program!
A special thanks to WKLK and the Chmielewski Band for the music.
You can check out FOX 21's story on the event HERE!
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Employee Spotlight - Faith S.
Faith started out as a part-time MSR right out of high school. She had been with the Floodwood Area Credit Union for 41 years before the merge with Northwoods Credit Union three years ago. Faith likes the idea of working as one whole team with Northwoods trying to serve as many members as possible.
When asked about what the day of an MSR Supervisor looks like, she had this to say:
“It can be very busy! From balancing or filling ATM’s to trying to keep all the machines and office running smoothly,”
Faith added, “Elaine and Robin’s great work ethic makes it easy to be a supervisor in the Floodwood office. We all work well together to help each other find solutions for our members.”
For Faith, each day is a fresh start to meet any challenges that may come her way, and the Northwoods SPICE values show up too when helping members daily.
“I try to form a more personal relationship with our members by getting to know them and their families through conversation when they are in the office or drive up.”
“Faith truly cares for our members and the Floodwood community. She goes out of her way to help them out with their financial needs. She is always willing to learn and take on any task that is asked of her. She has always been a great asset for the Floodwood Area Credit Union and we are lucky to have her now on our Northwoods team,” says Janell Rewitzer, Vice President of Branch Operations.
When not at work, Faith enjoys golfing with her husband, riding their side-by-side, and spending time with her combined six kids, 11 grandkids, four bonus grandkids, and their families!
Northwoods Credit Union Floodwood Office
224 W, Hwy 2
Floodwood MN 55736
Phone: (218) 476-2288
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Mobile Deposit capture gives you the convenience to make deposits day or night, from virtually any location, giving users faster access to funds and the ability to quickly deposit funds. With our Mobile Deposit you will be able to:
- Receive one-click access to Mobile Deposit within your app with no additional downloads or installs.
- Simply deposit checks with just a few taps and camera clicks.
- Safeguard information with the same security as online banking.
Mobile Deposit provides the convenience users have come to expect. Mobile Deposit is accessed through your Northwoods Credit Union mobile banking app and available for download through the App Store® and Google Play®. Please note, all checks deposited via mobile deposit will need to be endorsed with a signature and "NCU Mobile Deposit." If either is missing, your check will be rejected. Please see our website for deposit times your check will be credited to your account here.
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Set up, View, or Edit Transfers in Online Banking |
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Have questions regarding the set up, viewing, or editing of transfers with online banking? Click below to view our handy graphic that will help you learn more!
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Membership Eligibility Required. Federally Insured by NCUA. |
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