In This Issue
Northwoods Investing & Insurance Services with Ed Grondahl
Edward Grondahl
Ed talks about the little things to keep in mind for life after work.. Click here to read Ed's article.

Steve's Computer Tip #118

Steve tells us about kids and screen time in this edition. Click here for the full story.

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 and want to keep it open, please notify Nitasha by calling 218-878-3942 or email her at
eStatements are free, safe, easy and convenient!

How do I sign up?
1. Log in to online banking from our website.
2. Click the eStatements tab at the top of the page
3. Enroll!
4. Next time statements go out, you'll get an email letting you know your eStatements are available within Online Banking!

October 1, 2015 Issue 77
A printed version of this newsletter will be available in our lobby.
2015 Anniversaries

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

Above Picture (l-r): 
Steve, Network Administrator, 5 years
Cindy, Receptionist, 10 years, 
Brenda, Member Service Representative, 5 years
Gail , Member Service Representative, 5 years
Katie, Mortgage Loan Processor, 15 years
Northwoods Investing & Insurance Services celebrates their 5th anniversary this year (pictured: Ed Grondahl)

Northwoods Credit Union is lucky to have such a strong team!
$10,000 in Scholarship Money Available 
The Minnesota Family Involvement Council (FIC) has $10,000 available in scholarship money for Minnesota credit union members who are continuing their education!
The FIC is offering two $1,000 scholarships and sixteen $500 scholarships to 18 credit union members throughout Minnesota. Any individual attending a college or university, graduate or law school, 2-year or 4-year program or community or technical college in the fall of 2015/spring 2016 is eligible. For an application packet or more information, please apply online at   
Annual Bake Sale
Our annual Bake Sale will be held on Monday, November 2nd 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 and will be MATCHED by the Co-op Miracle Match again this year!!

Days to Remember
Monday, October 12th
We are closed in observance of Columbus Day.

Thursday, October 15th

International Credit Union Day.  Please join us for refreshments at both offices.

Monday, November 2nd
Our Annual Bake Sale!  Sample our employees best recipes and all proceeds go to the Children's Miracle Network!

Wednesday, November 11th
We are closed in observance of Veteran's Day.

Thursday, November 26th
We are closed for Thanksgiving.

Friday, November 27th
Stanley Avenue Office is open with regular hours.  Avenue B office will be closed.

Friday, December 18th
Join us for our Holiday Open House!

Thursday & Friday, December 24th & 25th
We are closed for the Christmas Holiday. 

Friday, January 1st
We are closed for New Year's Day (open regular hours on New Year's Eve).
Click here for our

Click here for our

Skip A Pay
Skip A Pay Coupon
Short on Cash??

Skip your next loan payment and have more money in your pocket for holiday expenses!  Click on the coupon to the right, print and give to a Northwoods CU loan officer along with a $25 fee for each loan you skip.  There are some stipulations so be sure you're approved before you skip your payment.  Call, stop in or email us with any questions!

*To take advantage of this special offer, see a loan officer at least ten (10) days before your payment due date for FULL disclosures.
Do You Kasasa?
Did you know your Northwoods Credit Union Visa Credit Card 
comes with FREE Cell Phone Coverage???

Pay your cell phone bill each month with your Northwoods Credit Union Visa Credit Card (both Low Rate and Reward Program Cards have coverage) and you could be eligible for FREE Cell Phone Coverage! 

View full Cell Phone Coverage requirements & disclosure here.

If you don't have a Northwoods credit Union Credit Card yet, apply today!
Northwoods CU Platinum Rewards                    Northwoods CU Platinum Low Rate

Other card benefits include Travel Accident Insurance, Roadside Dispatch Program, no annual fee, no foreign transaction fees and MORE!
Event Recaps

NCU participated in the Children's Miracle Network, Miracle Jeans Day again this year on Wednesday, September 9th.  We raised almost $300 in September for CMN, which stays local at the Gillette Children's Hospital!  
Northwoods Credit Union | | |
1702 Avenue B  Cloquet, MN 55720
902 Stanley Avenue   Cloquet MN 55720

*Kasasa Disclosures:  Qualification Information: Account transactions and activities may take one or more Banking Days to post and settle to the account and all must do so during the Monthly Qualification Cycle in order to qualify for the account¹s rewards. The following activities do not count toward earning account rewards: ATM-processed transactions, transfers between accounts, debit card purchases processed by merchants and received by our Northwoods Credit Union as ATM  transactions and purchases made with debit cards not issued by Northwoods Credit Union. "Monthly Qualification Cycle" means a period beginning on the first day of the current Statement Cycle through the last day of the current statement cycle. Reward Information:  Rewards vary by account.  Depending on what Kasasa account you open, you will receive the following rewards when you meet your account¹s qualifications during a Monthly Qualification Cycle: Kasasa Cash:
Balances up to $15,000 receive  APY of 2.25%; & balances over $15,000 earn 0.249% interest rate on the portion of balance over $15,000, resulting in a range from 0.51% to  2.25% APY depending on the account's balance. Your Kasasa Saver account receives an APY of 0.050% and balances over $15,000 earn 0.247% interest rate on the portion of balance over $15,000, resulting in a range from 0.50% to 0.28% APY depending on the account¹s balance. Kasasa Tunes:  you will earn up to an aggregate total of $5.00 (which includes any applicable taxes) in refunds for any iTunes, purchases.  In order to be refunded, iTunes, purchases must be made with your Northwoods Credit Union Kasasa Tunes debit card and must post and settle to your account no more than 30 days after the Monthly Qualification Cycle in which you qualified ends. Kasasa Cash Back:  4.00% cash back up to an aggregate amount of $8.00 per monthly qualification cycle, on everyday debit card purchases totaling $200.00 or less that post and settle to your account during the monthly qualification cycle, and;  ATM Fee Refunds: you will receive reimbursements up to $4.99 (per single transaction) for nationwide ATM fees incurred during the Monthly Qualification Cycle in which you qualified.  ATM receipt must be presented within thirty (30) calendar days of transaction for reimbursements of individual ATM fees of $5.00 or higher. When your Kasasa account qualifications are not met all balances in a Kasasa Cash account earns 0.050% APY*; all balances in a Kasasa Saver account earn 0.050% APY. Rewards and ATM fee reimbursements will be credited to the appropriate Kasasa account on the first business day of the following statement cycle.   Automatic transfers to Kasasa Saver occur within one business day. This automatic transfer may cause an overdraft to your Kasasa Cash account, if the respective account's balance is less than the transferred amount when transfer occurs. *When linked to the Kasasa Saver account, the dividends earned within the Kasasa Cash account does not compound since it is automatically transferred to the Kasasa Saver account. Due to non-compounding, the actual dividend amount transferred from the Kasasa Cash account to the Kasasa Saver account may be less than the advertised Kasasa Cash APY*, if the advertised APY* is represented without a linked Kasasa Saver account. APY = Annual Percentage Yield.  APYs accurate as of 01/16/2015. Rates and rewards are variable and may change after account is opened.  Fees may reduce earnings. Additional Information: Account approval, conditions, qualifications, limits, timeframes, enrollments, log-ons and other requirements apply. A $5 minimum deposit is required to open the account. EEnrollment in electronic services (e.g. online banking, electronic statements) and log-ons may be required to meet some of the account¹s qualifications. Limit 1 account(s) per social security number. There are no recurring monthly service charges or fees to open or close this account. A Kasasa Cash account is required to have a Kasasa Saver account. A linked Kasasa Saver account is required for automatic savings. Contact one of our Northwoods Credit Union service representatives for additional information, details, restrictions, processing limitations and enrollment instructions. Federally insured by NCUA.  iTunes is a registered trademark of Apple, Inc. Amazon is a registered trademark of Apple Inc. and are not participants in or sponsors of this program. Kasasa, Kasasa Cash, Kasasa Cash Back, Kasasa Tunes and Kasasa Saver are trademarks of BancVue, Ltd., registered in the U.S.A.