Earn more from everyday banking
Earn competitive dividends, enjoy ATM fee refunds, and make the most of the banking you already do.
More rewards. Same simple checking.
The more you use Northwoods services, the more you can earn. Enjoy a checking account with rewards, convenience, and no monthly service charge.
Earn competitive dividends
ATM fee refunds
We'll refund up to $30 in ATM fees each month when account qualifications are met.
No monthly service charge
Keep more of your money. There are no monthly maintenance fees on this account.
Free debit card
Access your money easily with a free Northwoods Mastercard® debit card.
Unlimited check writing
Write checks when you need them without worrying about usage limits.
Low minimum balance
$10 minimum balance to earn checking account rewards
Compare our Loyalty Choice Rewards Checking with leading competitors.
| Balance | Minimum required opening deposit | Dividend rate | APY | Qualification |
|---|---|---|---|---|
|
$0 - $9.99 |
$0 |
|
|
All qualifying criteria met |
|
$10 - $10,000 |
$0 |
|
|
1-4 qualifying criteria met |
|
All balances |
$0 |
|
|
No qualifying criteria met |
Rates effective as of: August 26, 2026
Fees may reduce earnings. TIS Disclosures can be found here.
| Qualifying criteria | Balance | Dividend rate | APY |
|---|---|---|---|
|
1 criteria met |
On average daily balance |
|
|
|
2 criteria met |
On average daily balance |
|
|
|
3 criteria met |
On average daily balance |
|
|
|
4 criteria met |
On average daily balance |
|
|
Rates effective as of: August 26, 2026
Fees may reduce earnings. TIS Disclosures can be found here.
What our customers say
Great place to bank. The staff are friendly and always are there to help. Never had any problems here and I have been banking here for about 12 years.
Friendly service and willing to work with you when you are in a down and out situation. I would highly recommend Northwoods Credit Union!
Everyone Is very professional and friendly. 15 minutes to create your acct and you obtain debit card in same visit. Absolutely couldn't ask for more
Make informed decisions with our resources
Find a Northwoods branch near you
Locations & hoursFind your nearest branch, view hours, and locate nearby ATMs.
Open a Loyalty Choice Rewards Checking account today
Enjoy a checking account that rewards your everyday banking while keeping things simple and local.
Rates
| Balance | Minimum required opening deposit | Dividend rate | APY | Qualification |
|---|---|---|---|---|
|
$0 - $9.99 |
$0 |
|
|
All qualifying criteria met |
|
$10 - $10,000 |
$0 |
|
|
1-4 qualifying criteria met |
|
All balances |
$0 |
|
|
No qualifying criteria met |
Rates effective as of: August 26, 2026
Fees may reduce earnings. TIS Disclosures can be found here.
| Qualifying criteria | Balance | Dividend rate | APY |
|---|---|---|---|
|
1 criteria met |
On average daily balance |
|
|
|
2 criteria met |
On average daily balance |
|
|
|
3 criteria met |
On average daily balance |
|
|
|
4 criteria met |
On average daily balance |
|
|
Rates effective as of: August 26, 2026
Fees may reduce earnings. TIS Disclosures can be found here.
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