A simple way to save and become a member
Start building your savings with an account designed for everyday goals. With as little as $5, you can open a Share Savings account, become a Northwoods Credit Union member, and enjoy convenient digital banking tools.
Savings options for every goal
Whether you're building an emergency fund, saving for a major purchase, or planning for the future, Northwoods offers savings accounts designed to help you reach your goals.
Share Savings
Start saving with as little as $5. Your Share Savings account establishes your membership and gives you access to all the benefits of Northwoods Credit Union.
Christmas Club
Make holiday spending easier by saving throughout the year. Set money aside automatically and be ready when the season arrives.
Money Market
Earn more on higher balances while maintaining easy access to your funds. A great option for larger savings goals and emergency reserves.
Health Savings Account (HSA)
Save for qualified medical expenses with a dedicated account designed to help you prepare for healthcare costs now and in the future.
Share Certificates
Lock in your savings for a set term and enjoy competitive returns. Choose the certificate option that best fits your financial goals.
Individual Retirement Accounts (IRA)
Build a stronger retirement plan with savings options designed to help you prepare for the years ahead.
Compare our Savings Accounts with leading competitors.
| Account type | Share type | Dividend rate | APY |
|---|---|---|---|
|
Regular Shares |
1 |
|
|
|
Christmas Club |
2 |
|
|
|
Special Savings |
10 |
|
|
|
Share Draft |
75 |
|
|
|
Non Dividend Acct |
99 |
|
|
|
Traditional IRA |
80 |
|
|
|
Educational IRA |
89 |
|
|
|
Roth IRA |
85 |
|
|
|
Health Savings Account |
9 |
|
|
|
Money Market
|
40 |
|
|
|
Money Market
|
40 |
|
|
|
Money Market
|
40 |
|
|
|
Money Market
|
40 |
|
|
|
Money Market
|
40 |
|
|
Rates effective as of: August 26, 2026
TIS Disclosures can be found here.
What our customers say
The staff at NCU are absolutely wonderful. They went above and beyond to help me when I had gotten scammed and had to open new accounts. I felt very welcomed by the staff and continue to when I need to do business there!
The ladies are very professional and also very knowledgeable. I don't think there is any way these ladies could improve on what they do. It is always nice to be greeted when I walk into Moose lake credit union. These ladies alway have a smile and are cheerful. Thanks to all you do.
I always get such amazing service from Northwoods credit Union! There is an amazing teller, Tammy. Always ready with a smile! And thank Krystal Buskirk for your help with my business account today!!
Make informed decisions with our resources
Find the savings account that fits your goals
Whether you're building an emergency fund, saving for a special purchase, or planning for retirement, Northwoods has savings options to help you get there.
Rates
| Account type | Share type | Dividend rate | APY |
|---|---|---|---|
|
Regular Shares |
1 |
|
|
|
Christmas Club |
2 |
|
|
|
Special Savings |
10 |
|
|
|
Share Draft |
75 |
|
|
|
Non Dividend Acct |
99 |
|
|
|
Traditional IRA |
80 |
|
|
|
Educational IRA |
89 |
|
|
|
Roth IRA |
85 |
|
|
|
Health Savings Account |
9 |
|
|
|
Money Market
|
40 |
|
|
|
Money Market
|
40 |
|
|
|
Money Market
|
40 |
|
|
|
Money Market
|
40 |
|
|
|
Money Market
|
40 |
|
|
Rates effective as of: August 26, 2026
TIS Disclosures can be found here.
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