In 2026, Northwoods Credit Union will proudly celebrate its 90th anniversary — nearly a century of helping our neighbors reach their goals, supporting local businesses, and standing alongside the communities we call home.

What began in 1936 as a small group of dedicated mill employees pooling their resources has grown into a long-standing, member-owned credit union rooted deeply in the Northland’s spirit of cooperation.

Throughout the year, you’ll see special 90th-anniversary stickers and signage at all our branches as we honor the generations of members who have trusted us along the way.

These touches are small reminders of a big milestone and of the shared history we’ve built together.

Thank you for being part of our story. Here’s to celebrating the past, strengthening our communities today, and building an even brighter future together.

There are (2), 3–year terms on the Northwoods Credit Union Board of Directors up for election in 2026, and the process for being placed on the ballot has begun. The two seats up for election are currently held by our Board of Directors, Larry Champeaux and Christine Ringat. Our Bylaws provide that there are no nominations from the floor of the annual meeting if there is at least one nominee for each position up for election. If you wish to be placed into nomination by the Nominating Committee, you must follow the process outlined below.

The Nominating Committee is currently accepting applications for nomination through 5:00pm on January 16, 2026 (the application form can be found on our website). The form will ask you for a statement of qualifications and biographical data. You can submit your application by completing it online through the Board of Directors page and clicking submit.

If you would like an alternative way of completing the application, please email [email protected]. Should you miss the 1/16/2026 deadline for submitting your application for nomination to the Nominating Committee, you will have the option to be placed on the ballot by petition signed by at least 1% of the membership (the deadline for submission of a nominating petition is 3/26/2026).

More information about the nomination by petition process will be provided to the members in February 2026 at our offices. 

We've teamed up with the TruLync Medicare experts to create a better experience for members as they approach this milestone. Have questions regarding Medicare? We've got your back. 

There is no charge for their service, and they represent multiple insurance companies, providing you with access to options that are in your best interest. 

Kick off 2026 with confidence using our free, easy-to-use financial calculators! Whether you're planning for a big purchase or mapping out your savings goals, our tools make it simple to see your potential payments in just seconds. No cost, no hassle — just helpful insights right on our website.

Here’s a look at what you can explore:

Auto & Recreational Loan Calculator: Quickly estimate monthly payments for your next truck, snowmobile, ATV, or UTV.

Personal Loan Calculator: See your monthly payment and total interest instantly based on your loan amount, rate, and term.

Share Certificate Calculator: Project how your savings can grow with our competitive rates.

Debt Consolidation Calculator: Easily find out if consolidating debt into one monthly payment makes sense for you.

Your 2026 goals are just a click away! We offer many additional free calculators on our website, giving you quick answers for nearly any financial question.

Northwoods Credit Union is closed on the highlighted dates above. Click to find all of our locations and hours.

It's been an eventful end of 2025 at the credit union. Our staff was happy to participate in local events all over the area. Keep up with happenings at our always-updated news & announcements page!

Tax season is right around the corner, and we want to make gathering your financial information as simple as possible. Northwoods CU members have multiple easy ways to access the details they need—whether you're looking for a quick summary or official tax forms.

View Your Year-to-Date (YTD) Interest Anytime

You can now find a helpful Year-to-Date Summary in both Online Banking and the Mobile App. This feature allows you to quickly see:

✔️ Dividends on your share accounts

✔️ Interest paid on your loans

✔️ A clear, at-a-glance total to help with tax prep and budgeting

Access Your 1099 and 1098 Tax Forms Online

Gathering your official tax documents is easy.

Members will still receive their 1099-INTs and 1098s with their December statements, but you can also access these forms at any time through Online Banking:

How to retrieve your tax forms:

✔️ Log in to Online Banking

✔️ Navigate to the Document Types section

✔️ Use the dropdown to select 1099-INT or 1098

✔️ Download or view your form instantly

(Forms will appear once they are generated for the tax year.)

We hope these tools make your tax preparation easier and more convenient this year!

A new year brings new possibilities! If a move, upgrade, or first home is part of your 2026 plans, now is the perfect time to start preparing. Whether you're dreaming of more space, a different neighborhood, or the chance to finally make homeownership your reality, our local mortgage team is here to guide you every step of the way.

From understanding your budget to getting mortgage-ready, we’ll help you build a clear path toward your goals. Planning ahead today means more confidence tomorrow—and when you're ready, Northwoods Credit Union will be ready too.

Reach out anytime to start mapping out your home-buying journey!

*Not all applicants will qualify. Membership eligibility required. Insured by NCUA. NCU is an Equal Housing Opportunity Lender.

Dianne is part of the NCU Mortgage Department at our Avenue B branch in Cloquet, MN. She is known for her dedication, compassion, and commitment to helping members feel confident and supported throughout the mortgage process.

Thank you, Dianne, for bringing positivity to our team and for exemplifying the SPICE values each day here at Northwoods Credit Union!

We're proud to support the following organizations during the past year through our donations committee, sponsorships, and community support. We're thankful for the communities we serve & where we live