In This Issue

Northwoods Investing & Insurance Services

Steve's Computer Tip

Calendar

Rates

Northwoods Investing & Insurance Services with Ed Grondahl

Ed talks about looking forward to 2015 in this quarter's issue. Click here for the full story.

Steve's Computer Survey

Steve would like to find out more about you this quarter. Please take this survey and let Steve know what you would like to learn about it coming issues!

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!

January 1, 2015 Issue 74

It has been an exciting past few years here at the Credit Union and we are so excited to see what 2015 brings! We hope you're just as excited for your new year! Will this be the year that you purchase a home, start planning for retirement, the year you retire, the year you start a family? There are so many possibilities and we would love to be part of helping you plan financially for whatever you have in store for the New Year!

ANNUAL MEETING NOTICE

78th Annual Meeting
Tuesday, February 17th
Cloquet Senior High Cafeteria

5:30pm Complimentary Social Security Seminar
An informative and strategic Social Security Seminar for those planning retirement. Please RSVP to our Financial Advisor, Ed Grondahl at 218-878-3922 or by email

here.

7:00pm Annual Meeting
Refreshments will be served. All members in attendance will receive a gift as well as a chance to win one of our many prize drawings.

Board & Supervisory Committee elections will be held during the meeting. Vacancies:
Board of Directors 2-3 year terms Deb Larson, Dean Forsythe
Supervisory Committee 1-3 year term Mary Ann Johnson
Current incumbents listed plan to run for reelection. At the meeting, our Board Chair will ask if there are any new nominations from the floor.

Important notice for eStatement Users!

*New this year* Those member's signed up for eStatements will also receive their year end tax statement from us via email. If you have any questions, please don't hesitate to call us.

Days to Remember

Thursday, Jan 1st

Closed for New Year's Day

Monday, Jan 19th

Closed in observance of Martin Luther King, Jr. Day

Monday, Feb 16th

Closed in observance of President's Day

Tuesday, Feb 17th

Join us for our 78th Annual Meeting.

Click here for our

Deposit Rates

Click here for our
Loan Rates

Here's what we've been up to.....


Food Donations USG held a nationwide competition between their mills to see who could collect the most food for their local food shelf. Northwoods CU helped out with 321 pounds of food! NCU also helped out Mrs. Hanson's 5th grade class at South Terrace with their school competition to see which class could collect the most food!	Wellness Club Northwoods Credit Union started a Wellness Club and 14 employees participated. The goals were set: 100 minutes of exercise per week, 7500 steps per day and 64 ounces of water per day. Over the first 12 weeks, employees lost 146 pounds!	Meals on Wheels, Christmas Lunch We've been doing one of the Wednesday Meals on Wheels routes for 2 years. We have enjoyed meeting those folks on our route and we look forward to our visits each week. The week before Christmas, Northwoods Credit Union bought lunch for everyone that either ate at the Senior Center or had their meal delivered.


Carlton County Sheriff K9 Unit Donation The Northwoods CU Board of Directors heard that the Carlton County Sheriffs department was fundraising to reimplement their K9 unit. The Board voted unanimously at their November meeting to donate $10,000. Kelly Lake accepted the donation on behalf of the Carlton County Sheriff's Department and said that the donation will definitely speed up the process. We will keep you updated when the K9 gets to town!	Salvation Army's Red Kettle 11 Northwoods CU employees, 2 NCU Board Members, our Financial Advisor, 4 spouses, 14 employees' kids and even 1 dog pitched in to take a week of the 5-7pm shift at Super One and L&M to ring the Bell. Our crew helped out with 22 hours of bell ringing shifts! The Salvation Army ended up raising over $66,000 through this year's Red Kettle Campaign!	Best Christmas Ever Best Christmas Ever is a group of friends and local businesses that came together in 2011 to help just 1 family in a major way and give them the Best Christmas Ever! Since then they have doubled every year! NCU employees came together to raise some money & NCU matched their funds for a total donation of over $500 to this year's Carlton County family! You can check out more about the Best Christmas Ever by visiting their website at www.bestchristamsever2014.com

Northwoods Credit Union | | kate@northwoodscu.org | http://www.northwoodscu.org
1702 Avenue B Cloquet, MN 55720

902 Stanley Avenue Cloquet MN 55720

Federally insured by NCUA.
Membership Eligibility Required.