In This Issue
Northwoods Investing & Insurance Services with Ed Grondahl
Ed talks about avoiding big retirement planning mistakes in this quarter's issue.
Click here for the full story.
Steve's Computer Tip #114

Steve tells us about  how to avoid being hacked in this quarter's edition.Click here for the full story.

Attn: Snowbirds!!!
Please don't forget to change your address when you get to your winter home and again when you come back to MN!  Thank you!

Don't Tax My CU
October 1, 2014 Issue 73
We hope you continue to find the quarterly eNewsletter to be a great way to stay on top of what's going on here at Northwoods Credit Union! 
Refinance your Auto, RV, Boat, etc. Loan with us and get up to $500 Cash Back with rates as low as 2.50%!

Click here for more information!  OR  Click here to apply!  


*Request full disclosures at our office. Subject to Credit Availability. 


SKIP A PAY will be back November 1st!
Do holiday expenses put a squeeze on your budget?  NCU's Holiday Skip A Pay may be just what you need.  This November, December or January you can skip a payment on qualifying loans by simply completing a request form.  Click the link below for more information!
13 Month CD Special at 3.000% Annual Percentage Yield
Limited Time Offer!
13 Months 3.000% APY* Minimum Deposit $1,000.00
Bake Sale
Our annual Bake Sale will be held on Monday, November 3rd at both offices during our regular hours.  Stop by and pick up some homemade treats.  All proceeds will be donated to the Children's Miracle Network.
Winter Storage

You may soon start storing "summer items". Please remember to notify us if you put an item in storage that you currently have a Northwoods CU loan on (camper, car, etc.).  This will prevent your loan from having extra insurance added to it.  Thank you! 

Days to Remember
Monday the 13th
We are closed in observance of Columbus Day

Thursday the 16th
International Credit Union Day. Please join us at either office for cookies and coffee

Monday the 3rd
Please join us at both offices for our annual Bake Sale

Tuesday the 11th
We are closed in observance of
Veterans Day

Thursday the 27th
Closed for Thanksgiving

Friday the 28th
Stanley Avenue will be open regular hours.
Avenue B will be closed.

Wednesday the 24th & Thursday the 25th
Closed for the Christmas Holiday 

Thursday the 1st
Closed for New Year's Day
Click here for our

Click here for our

Click here for our Visa Platinum Credit Card Rates for the NCU Low Rate Card and NCU Rewards Card
Event Recaps

Our staff participated in the Children's Miracle Network, Miracle Jeans Day again this year on Wednesday, September 10th.  We raised almost $300 in September for CMN, which stays local at the Gillette Children's Hospital!  Click here for a full story on the Credit Union National Association's website:
ALS Ice Bucket Challenge
Northwoods Credit Union particpatied in the ALS Ice Bucket Challenge after being nominated by our friends at Northern Communities CU as well as by our Board Member, Dakota Koski.

*Graphic from the ALS website on 9/25/14
Employee Anniversary's in 2014

We would like to say thank you and congratulations to the following employees on their milestone anniversaries!

Picture to the right: (L-R) Kate is in Marketing and has worked at Northwoods CU for 10 years.  Mary is our Lending VP and has been with us for 15 years.  Janell has also worked here for 15 years and she is a loan officer.  Deanna has been an MSR with us for 10 years.  Dawn has also worked here for 10 years and is an Account Clerk. 

Northwoods Credit Union is lucky to have such a strong team!


Five Reasons Northwoods Credit Union's Credit Card Rocks!

Here's why a credit card from Northwoods Credit Union outperforms any other card in your wallet:

1. Our rates are low!
2. We have no annual fees.
3. We're local.
4. We don't have a default interest rate.
5. We don't have hidden disclosures that allow for sudden rate increases.
New look for NCU's Platinum Visa Low Rate Card
Our Platinum Visa Low Rate Card may have a new look but it's still the same great card you've always had. Incredibly low rates, no annual fee and some great perks!  Check out our newest perks below!

To apply now for your Northwoods Credit Union Platinum Visa Credit Card, please do one of the following:
Call us at 218-879-4181
Stop by either office!

Be sure to let us know if you would like the Low Rate or the Rewards Card and we will send you a Visa Application.

NEW!  NCU Platinum REWARDS Visa Card 

Your NCU Platinum Rewards Visa Card can make your purchases more rewarding. That's because you earn 1 point for every $1 you spend. Your card is a great alternative to cash and checks. Plus, it includes exceptional benefits like these:

Redeem your points for your choice of great rewards, including gift cards, merchandise, travel, cash back and more. Simplify your everyday spending. With NCU Platinum Rewards, you can forget the hassles of checks and cash. Get added security and protection. You're covered by Visa's Zero Liability policy.* That way, if your card is ever lost or stolen, you won't be held responsible for fraudulent charges.  Enjoy worldwide acceptance. Use your card at millions of places, including the places you shop every day ... and even online! Track your purchases. You can quickly and easily review all your purchases on your monthly statement or through online banking. Your NCU Platinum Rewards Visa is the easy, secure and rewarding way to pay for all your purchases, big or small. So reach for it when you check out - and get rewarded for things you pay for anyway.

* Covers U.S.-issued cards only. Does not apply to ATM transactions, PIN transactions not processed by Visa or certain commercial card transactions. Individual provisional credit amounts are provided on a provisional basis and may be withheld, delayed, limited or rescinded by your issuer based on factors such as gross negligence or fraud, delay in reporting unauthorized use, investigation and verification of claim and account standing and history. You must notify your financial institution immediately of any unauthorized use. Transaction at issue must be posted to your account before provisional credit may be issued. For specific restrictions, limitations and other details, please consult your issuer.

FREE Cell Phone Coverage!
Pay your cell phone bill each month with your Northwoods Credit Union Visa Credit Card (both Low Rate and our Rewards Card) and you will  be eligible for a FREE Cell Phone Coverage!
View full Cell Phone Coverage disclosure here.
Easier Online Access

Northwoods CU members benefit from new internet service! We're pleased to introduce a new way for you to check the status of your NCU Platinum Visa credit card accounts. You can now go to our web site at and log in to your online banking.  Once inside online banking, click the "Credit Card Info" tab on the green menu bar.  Once you register an account/s, you can immediately begin to view vital information about your account any time of day from the convenience and security of your own computer. All you need is a connection to the Internet. (Of course, you can still get information and service on your accounts by calling the toll-free telephone number noted on the back of your credit card.)

This new web-based credit card information facility lets you view transactions from your last three statements, check your account balance, available credit, next payment date, and amount due.

Web access to credit card data is fast - pages appear in seconds. Most importantly, this new way to examine account data is secure - all exchanges between your web browser and the credit card pages are protected by Secure Sockets Layer (SSL) 128-bit encryption.

Best of all, there's no charge to you, the member, for getting your account data over the Internet. Visit and give this new service a try.

Additional Card Benefits

Roadside Dispatch® Offers you a 24/7 on-demand referral dispatch network that provides emergency roadside assistance, towing, and locksmith services giving you peace of mind when you're out on the road. Call 1-800-VISA-TOW for further details.

Travel Accident Insurance. Take comfort in knowing you and your eligible family members are protected when you travel. When you purchase your common carrier (airline, bus, train, cruise ship) tickets with your eligible Visa card you get accidental death and dismemberment coverage so you can travel with peace of mind.

Auto Rental Collision Damage Waiver. Now you have one less thing to worry about when you rent a car. With your Visa card, you're covered for damage due to collision or theft. Secure and charge your rental to your covered card and decline the collision damage waiver (or loss damage waiver) offered by the rental agency.

Lost/Stolen Card Reporting.  You're always protected when you carry the NCU Platinum Visa ... especially if it's ever lost or stolen. Simply call Visa's Lost/Stolen Card Reporting service, and we'll work with you to notify the appropriate parties and replace your card.  .

*Certain restrictions and limitations apply. Go to or call 1-800-VISA-911 for complete details.

Northwoods Credit Union | | |
1702 Avenue B  Cloquet, MN 55720
902 Stanley Avenue   Cloquet MN 55720

Federally insured by NCUA.
Membership Eligibility Required.

Copyright © 2013. All Rights Reserved.