If you live, work, worship, attend school, or volunteer in one of the following counties, you are eligible to join Northwoods Credit Union!  We're happy to help even more people start getting credit union membership benefits!

🔘Aitkin, MN 
🔘Carlton, MN 
🔘Itasca, MN
🔘Kanabec, MN
🔘Pine, MN
🔘St Louis, MN
🔘Burnett, WI 
🔘Douglas, WI

Ed Grondahl - Financial Advisor

Securities and advisory services are offered through LPL Financial (LPL), a registered investment advisor and broker-dealer (member FINRA/SIPC). Insurance products are offered through LPL or its licensed affiliates.   Northwoods Credit Union is not registered as a broker-dealers or investment advisors.  Registered representatives of LPL may offer products and services through credit unions and may also be employees of a credit union. These products and services are being offered through LPL or its affiliates, which are separate entities from the credit union. Securities and insurance offered through LPL or its affiliates are:Not Insured by NCUA or Any Other Government Agency,  Not Credit Union Guaranteed, Not Credit Union Deposits or Obligations, and May Lose Value

Securities offered through LPL Financial Member FINRA/SIPC

Take control of your finances with Northwoods Credit Union’s easy-to-use financial calculators! In just seconds, you can estimate monthly payments for auto loans, mortgages, personal loans, and more.

Whether you're budgeting for a big purchase or planning ahead, our calculators give you quick, personalized insights to help you make informed decisions. 

Did you know your Northwoods Credit Union online and mobile banking comes with several helpful features designed to make managing your money easier and more secure?

👉 Log in to online or mobile banking today and explore these features designed to make managing your finances easier.

Here are a few tools NCU members are using every day:

⏺Turn debit cards on/off: Instantly control your debit card from within your NCU online banking, Menu > Remote Control Cards. From there, you can disable and re-enable yourself or mark as lost/stolen.

⏺Secure Messaging: Send secure messages to NCU through online banking.  Safer than emailing documents and faster than stopping by to drop something off. NCU online banking > Menu > Secure Messaging > + to start a new message.

⏺YTD information and tax documents: Easy access to important documents within online banking. Your tax documents can be found in NCU online banking > Menu > Statements & Documents > Your December statement will have any tax documents at the very end.

⏺E-Receipts: In the document section of online banking, you can find your E-Receipts. Go to Menu > Statements & Documents > Receipts are located here if you’re signed up for them.

⏺Infinite Scrolling within account history: You no longer have to toggle between months, and you can endlessly scroll through your history to find the transaction you’re looking for.  You can also use the filter and search options at the top to find items by amount, payee, etc., much quicker.

⏺External Transfers: Send transfers outside the credit union from NCU online banking > Menu > Transfers > External Account Management to set up transfers.

Watch this video where our Director of Mortgage Lending, Anna Mize, walks you through the basics of getting a mortgage loan (Especially helpful for first-time home buyers!)

Phone scams are becoming more common across the country, and many financial institutions are seeing an increase in fraud calls targeting credit union and bank members.

In many cases, scammers pretend to be from a financial institution’s fraud department. Their goal is to trick you into sharing personal or banking information so they can access your accounts.

Understanding how phone scams and bank impersonation scams work can help you avoid becoming a victim. Here’s what members should know to stay protected. Read now!

Northwoods Credit Union has partnered with ISL Education Lending to help members with college expenses. Through this partnership, we are able to offer three types of loans for college financing. There are no origination or late fees associated with any of these loans.

To learn more or apply, visit our website at: https://www.northwoodscu.org/student-loans/

Private Student Loans

The Partnership Advance Education Loan® is a national loan for undergraduate and graduate student borrowers who may need one or more cosigners.

The College Family Loan® is for parents looking to borrow on behalf of students to help with college expenses or to relieve some of their potential debt. Applicants who do not meet the credit criteria on their own may apply with one or more cosigners.

You can review loan information, including required FICO scores to receive different interest rates, online before you apply. Other features include:

- Partnership Loan and The College Family Loan has fixed rates only.

- Choice of interest-only or full principal and interest payments while enrolled in school or deferred payments until after school.

- An interest-rate reduction for automatic payments.

Refinance Loans

Refinance loans are available to help you repay existing student loans as well. The Reset Refinance Loan® offers the opportunity to simplify repayment and lower:

- The interest rate you pay on student loan debt.

- The amount you will pay over time through shorter repayment terms, lower rates or a combination of both.

- Monthly payment amounts through a longer repayment term.

As with the other loans, eligibility and credit criteria requirements are provided upfront and in clearly defined language online. You may complete a simple pre-qualification step to see the rates you may qualify for without impacting your credit score.