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# Northwoods Credit Union

Loans given. Dreams Realized.

## Sitemaps

- [XML Sitemap](https://www.northwoodscu.org/sitemap.xml): Contains all public & indexable URLs for this website.

## Posts

- [Youth Week at NCU 2023!](https://www.northwoodscu.org/youth-week-at-ncu-2023/) - Northwoods CU Youth Week is back! Starting April 3rd through April 7th, stop into your favorite NCU branch to get a bonus stamp in your saver's booklet!
- [Are You Spending Too Much Money on Groceries in 2024?](https://www.northwoodscu.org/are-you-spending-too-much-money-on-groceries-in-2023/) - It's easy to let your grocery bill get too big if not careful. Read these tips and strategies to help you save money this year! Cloquet, Floodwood, Moose Lake.
- [5 Essential Tips for Opening Your First Checking and Savings Account as a Young Adult in the Northland](https://www.northwoodscu.org/5-essential-tips-for-opening-your-first-checking-and-savings-account-as-a-young-adult-in-the-northland/) - Get 5 essential tips for opening your first checking and savings account as a young adult in the Northland. From choosing the right CU to understanding fees.
- [4th Annual Senior Day in Cloquet](https://www.northwoodscu.org/4th-annual-senior-day-in-cloquet/) - Northwoods Credit Union and Reliable Insurance Agency partnered to spread awareness of World Elder Abuse Day, making Senior Day in Cloquet a day to remember.
- [NCU Summer Events 2023](https://www.northwoodscu.org/ncu-summer-events-2023/) - Discover exciting summer events brought to you by Northwoods Credit Union. Experience the best of Northwoods with our community-focused gatherings. Join us!
- [Buying a Home in a Seller's Market](https://www.northwoodscu.org/buying-a-home-sellers-market/) - Buying a new home in Cloquet, Moose Lake, Floodwood, or anywhere else in the northland? These tips can help you land that dream home on YOUR budget!
- [Understand Your Summer Paycheck](https://www.northwoodscu.org/understand-your-summer-paycheck/) - As summer approaches, many teenagers are looking forward to securing a job and earning a paycheck. This article helps quickly explain gross & net income.
- [Ways To Make Saving for Retirement Easier](https://www.northwoodscu.org/ways-to-make-saving-for-retirement-easier/) - Use these helpful tips to make retirement as easy as possible, such as maxing your 401(k), and reducing debt &cost of living in 2023.
- [The Case for Debt Consolidation](https://www.northwoodscu.org/the-case-for-debt-consolidation/) - Read how debt consolidation can lower your overall interest costs, reduce your monthly payoff & more. Is a debt consolidation loan the smart move for you?
- [How To Set Up Your Alerts](https://www.northwoodscu.org/how-to-set-up-your-alerts/) - Setting up alerts can help you stay on top of your finances. Find out how with our guide!
- [4 Signs You Need to Clean Up Your Finances Today](https://www.northwoodscu.org/financescleanuptoday/) - If any of these signs apply to you, it’s time to clean up and learn how to manage your money and finances.
- [Tips to Avoid a Holiday Spending Hangover](https://www.northwoodscu.org/tips-to-avoid-a-holiday-spending-hangover/) - By examining the reasons for overspending, planning how much you’ll spend, & identifying what's important, you can rein in your spending. We have tips for you!
- [Tips For Last Minute Holiday Shoppers](https://www.northwoodscu.org/tips-for-last-minute-holiday-shoppers/) - Need help with some last minute holiday shopping? We can help! Ideas, tips, and more, updated for 2022!
- [$16,000 in Scholarships Available!](https://www.northwoodscu.org/16000-in-scholarships-available/) - In partnership w/ the Minnesota Credit Union Foundation Scholarship Council, members of NCU are eligible for a total of $16,000 awarded as $1,000 scholarships.
- [Headed to Valleyfair?](https://www.northwoodscu.org/headed-to-valleyfair/)
- [Northwoods' Early Summer Events Recap](https://www.northwoodscu.org/northwoods-early-summer-events-recap/) - It has been a busy start to the 2022 summer for NCU! | August 7, 2026 | Northwoods Credit Union
- [Recap of our 85th Annual Meeting](https://www.northwoodscu.org/recap-85th-annualmeeting/) - The Northwoods Credit Union 85th Annual Meeting was a success once again! Thank you to all our members for attending!
- [May 2022 Events!](https://www.northwoodscu.org/may-2022-events/)
- [Northwoods Credit Union Presents Youth Week 2022!](https://www.northwoodscu.org/northwoods-credit-union-presents-youth-week-2022/) - Northwoods Credit Union is proud to present YOUTH WEEK 2022! April 11-15th. All branch locations.
- [Recreation Loan Special!](https://www.northwoodscu.org/special/)
- [5th Annual NCU Employee Silent Auction](https://www.northwoodscu.org/5th-annual-ncu-employee-silent-auction/) - Learn how you can help a great cause!
- [Better Manage Your Credit Cards](https://www.northwoodscu.org/better-manage-your-credit-card/) - August | 07 | 2026
- [When Times Are Tough We Can Help](https://www.northwoodscu.org/when-time-are-tough-we-can-help/) - 2026 | Credit cards. Home equity. Scam alerts. Here are tips to help you save.
- [Member Appreciation & Youth Days 2021!](https://www.northwoodscu.org/member-appreciation-youth-days-2021/)
- [Senior Day in Cloquet 2021!](https://www.northwoodscu.org/senior-day-in-cloquet-2021/)
- [Help Kids Get Money-Savvy](https://www.northwoodscu.org/help-kids-get-money-savvy/)
- [Have You Checked Out Our Kids or Teen Club?](https://www.northwoodscu.org/have-you-checked-out-our-kids-or-teen-club/)
- [2021 Q1 Employee of the Quarter!](https://www.northwoodscu.org/2021-q1-employee-of-the-quarter/)
- [Meet the Northwoods Credit Union Mortgage Team!](https://www.northwoodscu.org/meet-the-northwoods-credit-union-mortgage-team/)
- [Retirement Notice](https://www.northwoodscu.org/retirement-notice/)
- [Streamline Your Monthly Finances With Bill Pay](https://www.northwoodscu.org/streamline-your-monthly-finances-with-bill-pay/) - Bill Pay at Northwoods CU is designed to simplify your monthly routine. Bill Pay focuses on two core functionalities: flexible payment scheduling & reminders.
- [How to Get a Mortgage Loan: A Simple Local Guide](https://www.northwoodscu.org/how-to-get-a-mortgage-loan-a-simple-local-guide/) - Learn how to get a mortgage loan with our simple guide. Discover the best way to get a mortgage loan and why credit union mortgage loans are a great option!
- [How to Buy Your First Home: A Simple Guide for First-Time Home Buyers](https://www.northwoodscu.org/how-to-buy-your-first-home-a-simple-guide-for-first-time-home-buyers/) - New to MN home buying? Learn the basics of how to buy your first home, what to expect as a first-time home buyer & how a mortgage calculator can help you plan.
- [Avoid Holiday Debt With Smart Holiday Budgeting in Minnesota](https://www.northwoodscu.org/avoid-holiday-debt-with-smart-holiday-budgeting-in-minnesota/) - Learn practical holiday budgeting tips to avoid holiday debt. Discover smart ways to save, plan, and manage expenses during the winter season in Minnesota.
- [Where in The Duluth-Superior Area Can I Find The Best Options for Auto Loans?](https://www.northwoodscu.org/where-in-the-duluth-superior-area-can-i-find-the-best-options-for-auto-loans/) - Empowering yourself with knowledge and partnering with a member-focused lender like Northwoods Credit Union is the key to a smooth, money-smart auto purchase.
- [Smart Saving Money Tips for Minnesota](https://www.northwoodscu.org/smart-saving-money-tips-for-minnesota/) - Practical savings tips for Northern Minnesota families. Learn simple saving money tips to build an emergency fund and grow your savings faster.
- [How to Get an Auto Loan from a Credit Union: Your Guide to Better Financing](https://www.northwoodscu.org/how-to-get-an-auto-loan-from-a-credit-union/) - Explore how to get an auto loan from a credit union. Our guide helps you navigate the credit union auto loan process easily| Cloquet, Moose Lake, Floodwood, MN
- [What Is a Credit Union? A Beginner's Guide](https://www.northwoodscu.org/what-is-a-credit-union/) - Learn what a credit union is, how credit unions work, and how they compare to banks. Discover membership benefits and financial services. | MN and WI
- [What is GAP Insurance and Do You Need It?](https://www.northwoodscu.org/what-is-gap-insurance-and-do-you-need-it/) - Learn what GAP insurance is, how it works after a vehicle loss, and whether it makes sense for your auto loan and financial situation.
- [What Happens After You Apply for a Loan?](https://www.northwoodscu.org/what-happens-after-you-apply-for-a-loan/) - Learn what happens after you apply for a loan, from application review and underwriting to approval, closing, and receiving funds.
- [Is It Better to Finance Through a Dealer or a Credit Union?](https://www.northwoodscu.org/is-it-better-to-finance-through-a-dealer-or-a-credit-union/) - Compare dealer financing and credit union financing to understand the differences, benefits, and factors to consider before buying a vehicle.
- [Recreational Vehicle Loans Explained for Minnesota Fun](https://www.northwoodscu.org/recreational-vehicle-loans-explained-for-minnesota-fun/) - We explain what is a recreational vehicle and how to explore recreational vehicle loan rates if you live near Cloquet, Moose Lake, or Floodwood, Minnesota areas
- [What is an FHA Loan? Steps to Qualify for an FHA Home Loan](https://www.northwoodscu.org/what-is-an-fha-loan-steps-to-qualify-for-an-fha-home-loan/) - Learn what an FHA loan is and how to qualify for an FHA home loan with our simple guide. Discover the benefits and steps to secure your dream MN home.
- [Avoid IRS Fraud: Tips for Minnesota Residents in 2026](https://www.northwoodscu.org/avoid-irs-fraud-tips-for-minnesota-residents-in-2025/) - Scammers are sending fake IRS texts about payments. Learn to spot scams, protect your info, and stay secure. Northwoods Credit Union is here to help! Read now.
- [Can I Get Financing for a UTV? What to Know in MN](https://www.northwoodscu.org/can-i-get-financing-for-a-utv-what-to-know-in-mn/) - Looking to finance a UTV? Learn how our credit union helps you hit the trails with competitive recreational vehicle rates and member-focused service in MN.
- [Your Trusted Mortgage Partner for Homes in Cloquet, Moose Lake, and Floodwood, MN](https://www.northwoodscu.org/your-trusted-mortgage-partner-for-homes-in-cloquet-moose-lake-and-floodwood-mn/) - Find loans for homes in Cloquet, Floodwood, and Moose Lake, MN. Trusted local mortgage lender near you with flexible options! | Northwoods Credit Union
- [How to Finance Land in Northern Minnesota](https://www.northwoodscu.org/how-to-finance-land-in-northern-minnesota/) - Ready to buy land or build a house? Learn how to secure land financing and construction loans in northern Minnesota today. | Northwoods Credit Union
- [Why Does My Credit Score Keep Going Down?](https://www.northwoodscu.org/why-does-my-credit-score-keep-going-down/) - If you’re asking, "Why does my credit score keep going down?" we have answers. Learn the common causes and tips for building credit the right way.
- [Steps to Get an Auto Loan With Bad Credit and No Money Down](https://www.northwoodscu.org/steps-to-get-an-auto-loan-with-bad-credit-and-no-money-down/) - Looking for bad credit auto loans? Learn steps to boost your credit and find a credit union auto loan near me options with low or no down payment. Read now.
- [Make Your Home Equity Work for You: Spring Rate Promo](https://www.northwoodscu.org/make-your-home-equity-work-for-you-spring-rate-promo/)
- [Auto Loan Rates in Minnesota: Find the Best Rate Today](https://www.northwoodscu.org/auto-loan-rates-in-minnesota-find-the-best-rate-today/) - Find the best auto loan rates in Minnesota with Northwoods Credit Union. Get competitive rates, flexible terms, and local service | Your local auto loan rates.
- [Get Your Medicare Questions Answered at Our Local Seminars](https://www.northwoodscu.org/get-your-medicare-questions-answered-at-our-local-seminars/) - No sales, just expert advice on coverage, costs & more. Mark your calendars for the local informational seminars now! | Northwoods Credit Union
- [Steps to Refinance a Car Loan with Bad Credit](https://www.northwoodscu.org/steps-to-refinance-a-car-loan-with-bad-credit/) - Learn how to refinance a car loan with bad credit. Explore steps to improve terms and see if refinancing with Northwoods Credit Union is right for you.
- [How to Refinance an Auto Loan: What You Need to Know](https://www.northwoodscu.org/how-to-refinance-an-auto-loan-what-you-need-to-know/) - Find out how to refinance an auto loan and get a better rate. Northwoods Credit Union makes auto loan refinance simple for Cloquet and Moose Lake locals.
- [5 Basic Steps of the Mortgage Process](https://www.northwoodscu.org/5-basic-steps-of-the-mortgage-process/) - Learn the 5 basic steps of the mortgage process, from pre-approval to closing, and discover how Northwoods Credit Union can help with your MN home loan journey
- [Home Equity Loan vs. Cash-Out Refinance: What’s the Difference?](https://www.northwoodscu.org/home-equity-loan-vs-cash-out-refinance-whats-the-difference/) - Learn the difference between a home equity loan & a cash-out refinance. Discover the best option for you with expert mortgage tips from Northwoods Credit Union
- [Understanding Minnesota Credit Union Auto Loan Rates](https://www.northwoodscu.org/understanding-minnesota-credit-union-auto-loan-rates/) - Explore Minnesota credit union auto loan rates with Northwoods Credit Union. Learn what impacts your rate and use our calculator to estimate payments. | NCU
- [How Bad Credit Affects Your Auto Loan—And What to Do](https://www.northwoodscu.org/how-bad-credit-affects-your-auto-loan-and-what-to-do/) - Need a car loan but have bad credit? This guide explains your options, how to prepare, and why a credit union could be your best bet. | Minnesota
- [Car Affordability Calculator: Find Your Car Budget](https://www.northwoodscu.org/car-affordability-calculator-find-your-car-budget/) - Not sure what you can spend on a car? Our car affordability calculator gives you fast answers based on down payment, loan term & rate, & more financing options.
- [How to Budget as a College Student & Build Good Credit](https://www.northwoodscu.org/how-to-budget-as-a-college-student-build-good-credit/) - Learn what a good credit score is for a college student and how to budget as a college student with tips from Northwoods Credit Union in Minnesota.
- [Can I Get Into a Credit Union? Here’s What to Know](https://www.northwoodscu.org/can-i-get-into-a-credit-union-heres-what-to-know/) - Learn how to get into a credit union and see if you qualify. Find out the steps to join, who can become a member, and why credit unions are worth it.
- [Auto Loan Pre-Approval: What It Is and Why It Matters](https://www.northwoodscu.org/auto-loan-pre-approval-what-it-is-and-why-it-matters/) - Pre-approved auto loans in MN made easy! Get pre-approved for an auto loan with quick decisions locally for Carlton, Pine, and St. Louis County Residents in MN.
- [How to Buy a Car With a Pre-Approved Loan](https://www.northwoodscu.org/how-to-buy-a-car-with-a-pre-approved-loan/) - Learn how to buy a car with a pre-approved loan from your credit union for a smoother, stress-free car shopping and buying experience. Read our blog post now!
- [Looking to Finance Snowmobiles for Sale Near You?](https://www.northwoodscu.org/looking-to-finance-snowmobiles-for-sale-near-you/) - Get ready for winter with a snowmobile loan from Northwoods Credit Union. Competitive rates, flexible payments, and a quick online application. | Cloquet, MN
- [How a Truck Loan Calculator Can Help You Plan Your Purchase in Minnesota](https://www.northwoodscu.org/how-a-truck-loan-calculator-can-help-you-plan-your-purchase-in-minnesota/)
- [How Do Credit Cards Work? Understanding the Basics](https://www.northwoodscu.org/how-do-credit-cards-work-understanding-the-basics/) - Learn how credit cards work, explore different types, and get smart credit tips from your local northern Minnesota credit union to build strong finances.
- [How to Spot & Prevent Credit Card Fraud in Northern Minnesota](https://www.northwoodscu.org/how-to-spot-prevent-credit-card-fraud-in-northern-minnesota/) - Learn how to identify & prevent credit card fraud in northern Minnesota. Northwoods Credit Union shares local tips to help you protect your account & shop safe.
- [Summer 2026 With NCU](https://www.northwoodscu.org/ncu-summer-events-2026/) - What We're Excited About for Summer 2026: The next few months are filled with exciting events for Northwoods Credit Union.
- [Thank You for Joining Us at Senior Day in Cloquet 2026](https://www.northwoodscu.org/thank-you-for-joining-us-at-senior-day-in-cloquet/) - See highlights from Senior Day 2026 in Cloquet, MN, where local seniors connected with community resources, services, and organizations.
- [5 Reasons Why Credit Union Auto Loans are the Best Choice in 2026](https://www.northwoodscu.org/5-reasons-why-credit-union-auto-loans-are-the-best-choice-in-2026/) - Searching for the best auto loan near me? Credit union auto loans in 2025 offer better rates, higher approval, and personalized service. Learn why today!
- [How Skip a Payment Works: The Northwoods Credit Union Guide](https://www.northwoodscu.org/how-skip-a-payment-works-the-northwoods-credit-union-guide/) - Learn about eligibility, fees, and how to apply for a payment-free month this year. Skip a Payment with Northwoods Credit Union and get some budget relief. 😀
- [Unlock Your Home's Equity With Our Limited-Time Promo Rate](https://www.northwoodscu.org/unlock-your-homes-equity-with-our-limited-time-promo-rate/) - Use your home's equity for home improvements, debt consolidation, major purchases & more. Learn how Home Equity Loans work and explore our limited-time promo!
- [How to Buy a Car This Summer: A Guide From NCU](https://www.northwoodscu.org/how-to-buy-a-car-this-summer/) - Summer is a great time to buy a car in MN/WI. This guide walks you through the process, plus essential car loan tips to help you stay on track financially.
- [Recap of Northwoods Credit Union’s 89th Annual Meeting](https://www.northwoodscu.org/recap-of-northwoods-credit-unions-89th-annual-meeting/) - NCU celebrated its 89th Annual Meeting with member updates, free gift drawings, banking education, and the official Hinckley branch announcement!
- [Northwoods Credit Union Opening New Hinckley, MN, Branch](https://www.northwoodscu.org/hickley-branch-announcement/) - A new credit union is coming to Hinckley, MN. Northwoods Credit Union brings local service, competitive rates, and member-first banking.
- [Loan for an ATV: Understanding ATV Loan Rates and Financing](https://www.northwoodscu.org/loan-for-an-atv-understanding-atv-loan-rates-and-financing/) - Thinking about buying an ATV? Learn how a loan for an ATV works, what affects ATV loan rates, and financing options in northern Minnesota and Wisconsin
- [Senior Day in Cloquet 2026 | Free Community Event for Seniors](https://www.northwoodscu.org/senior-day-in-cloquet-2026-free-community-event-for-seniors/) - Join Northwoods Credit Union and Reliable Insurance Agency for Senior Day in Cloquet on June 16, 2026 at the Cloquet Armory. Local vendors, giveaways, and more!
- [How to Get a Boat Loan (Simple Guide + Calculator)](https://www.northwoodscu.org/how-to-get-a-boat-loan-simple-guide-calculator/) - Learn how to get a boat loan step-by-step and estimate payments with a boat loan calculator. Understand rates, terms, and tips before financing your boat in MN.
- [Securing A Boat Loan in 2026: Rates, Terms, and More](https://www.northwoodscu.org/securing-a-boat-loan-in-2025-rates-terms-and-more/) - Looking to secure a new or used boat loan in 2026? Dive into our guide, looking at rates, terms, credit score effects, and more! | Northwoods Credit Union
- [Refinancing a Car Loan: A Credit Union Guide](https://www.northwoodscu.org/refinancing-a-car-loan-a-credit-union-guide/) - Discover how to refinance a car loan, when it makes sense, and how refinancing a truck loan could improve your loan terms.
- [Phone Scams and Fraud Calls: How to Avoid Bank Impersonation](https://www.northwoodscu.org/phone-scams-and-fraud-calls-how-to-avoid-bank-impersonation/) - Phone scams and fraud calls are rising across Cloquet, Moose Lake, and Floodwood. Learn how to identify bank impersonation scams and protect your accounts.
- [Enhancing Online Banking Security: Scams & Hacker Protection](https://www.northwoodscu.org/enhancing-online-banking-security-scams-hacker-protection/) - Secure Your Online Banking: Essential Strategies to Protect Your Info & Avoid Scams in 2026 | Cloquet, Floodwood, Moose Lake, Carlton, Esko, Hinckley, MN.
- [Join Us for Our 89th Annual Members Meeting](https://www.northwoodscu.org/join-us-for-our-89th-annual-members-meeting/) - Join Northwoods Credit Union’s 89th Annual Meeting on May 5, 2026 at 7PM at Cloquet Public Library in Cloquet, MN. Meet our team & win prizes!
- [Clear the Clutter: Join Us for Our 19th Annual Shred & E-Recycle Event](https://www.northwoodscu.org/clear-the-clutter-join-us-for-our-19th-annual-shred-e-recycle-event/) - Join Northwoods Credit Union in Cloquet for our 19th Annual Shred & E-Recycle Event. Securely dispose of documents and electronics on May 9, 9AM–Noon.
- [Tips for Saving Money in 2026](https://www.northwoodscu.org/tips-for-saving-money-in-2026/) - Discover practical tips for saving money in 2026, with easy money savings tips to build better habits, plan ahead, and stay financially confident all year in MN
- [Put More Money Back in Your Pocket This Winter: A Smarter Way to Refinance Your Auto Loan](https://www.northwoodscu.org/put-more-money-back-in-your-pocket-this-winter-a-smarter-way-to-refinance-your-auto-loan/) - Refinance your auto loan with Northwoods Credit Union and earn 1% cash back up to $500. Serving Cloquet, Moose Lake & Floodwood. Our limited-time promo is live!
- [What is Debt Consolidation and Is It Right for Me?](https://www.northwoodscu.org/what-is-debt-consolidation-and-is-it-right-for-me/) - Debt Consolidation: Streamline Your Finances | Explore effective debt consolidation strategies to simplify your financial journey. Discover how to manage debts.
- [Celebrating 90 Years of Northwoods Credit Union](https://www.northwoodscu.org/celebrating-90-years-of-northwoods-credit-union/) - For 90 years, Northwoods Credit Union has served generations of local members. Learn how our community roots continue to shape our future.
- [Savings Accounts 101: Share Savings Explained](https://www.northwoodscu.org/savings-accounts-101-share-savings-explained/) - Learn what a savings account is and how a Share Savings account helps you save safely, earn interest, and become a credit union member-owner. | Minnesota
- [Credit Union Membership: What It Means and How to Join Northwoods Credit Union](https://www.northwoodscu.org/credit-union-membership-what-it-means-and-how-to-join-northwoods-credit-union/) - Learn what credit union membership means and explore the requirements to join Northwoods Credit Union. See if you qualify and how to become a member. | MN
- [Plan Your Credit Card Payments with Our Online Calculator](https://www.northwoodscu.org/plan-your-credit-card-payments-with-our-online-calculator/) - Take control of credit card debt. Use our free payoff calculator to save money and help pay it off faster. | Cloquet, Floodwood, Moose Lake, MN
- [Are Credit Unions FDIC Insured? Know the Facts](https://www.northwoodscu.org/are-credit-unions-fdic-insured-know-the-facts/) - Choosing between a credit union or bank? Understand how your money is insured and what sets credit unions apart. | Northwoods Credit Union, Minnesota.
- [Thank You for Celebrating with Us: 2025 Member Appreciation Days Recap](https://www.northwoodscu.org/thank-you-for-celebrating-with-us-2025-member-appreciation-days-recap/) - Northwoods Credit Union celebrated Member Appreciation Days 2025 with food, prizes, and community fun in Cloquet, Moose Lake, and Floodwood.
- [Winter Money Tips: Saving Big in Northern Minnesota](https://www.northwoodscu.org/winter-money-tips-saving-big-in-northern-minnesota/) - Our tailored guide for Cloquet, Moose Lake, Floodwood, and surrounding areas will help you cut costs and make the most of your Minnesota winter budget in 2025.
- [How to Refinance an Auto Loan (Even With Bad Credit)](https://www.northwoodscu.org/how-to-refinance-an-auto-loan-even-with-bad-credit/) - Learn how to refinance an auto loan even with bad credit. Our guide helps you understand the steps and benefits of auto loan refinancing at a credit union. |
- [Member Appreciation Days 2025](https://www.northwoodscu.org/member-appreciation-days-2025/) - Join us for Member Appreciation Days 2025 with great food, community fun, and giveaways at our Floodwood, Moose Lake, and Cloquet Avenue B branches!
- [Maximize Your Back-to-School Budget with Skip-a-Pay](https://www.northwoodscu.org/maximize-your-back-to-school-budget-with-skip-a-pay/) - Maximize your 2025 back-to-school budget with Skip a Pay. Learn how to make the most of your finances during the school season and skip a loan payment now.
- [Plan Your Next Adventure with Our RV Loan Calculator](https://www.northwoodscu.org/plan-your-next-adventure-with-our-rv-loan-calculator/) - Estimate your RV payments with our RV loan calculator. Explore recreational loans near you at Northwoods Credit Union and start planning your adventure today.
- [5 Simple Steps to Secure Your First Auto Loan in Minnesota](https://www.northwoodscu.org/5-simple-steps-to-secure-your-first-auto-loan/) - Are you wondering: How can I secure my first auto loan? Don't worry, we have you covered with these 5 simple steps you can take and secure your dream vehicle!
- [Reflections from former Northwoods CEO Doug Wolf](https://www.northwoodscu.org/reflections-from-former-northwoods-ceo-doug-wolf/) - Reflecting on 7 years of growth, community support, and commitment to members as Northwoods Credit Union transitions to new leadership in 2025 and beyond.
- [Applying For An Auto Loan With Bad Credit: Steps To Follow](https://www.northwoodscu.org/auto-loan-with-bad-credit-steps-to-follow/) - Looking to secure an auto loan with bad credit or no credit? Here are basic steps you can take to help secure the vehicle you need! | Credit Union Auto Loans
- [In Case You Missed It: Senior Day Recap 2025](https://www.northwoodscu.org/in-case-you-missed-it-senior-day-recap-2025/) - Senior Day in Cloquet, hosted by Northwoods Credit Union and Reliable Insurance, featured vendors, music, food & support for seniors. See the highlights!
- [Set Up, View or Edit Transfers in Online Banking](https://www.northwoodscu.org/set-up-view-or-edit-transfers-in-online-banking/) - Learn how to easily set up, view, or edit transfers in Online Banking with Northwoods Credit Union. | Cloquet, Moose Lake, Floodwood, Minnesota.
- [Come Celebrate Senior Day in Cloquet 2025](https://www.northwoodscu.org/come-celebrate-senior-day-in-cloquet-2025/) - Join us for Senior Day in Cloquet on June 18 at the Cloquet Armory—featuring local vendors, music, food, giveaways, and support for the senior community.
- [What Is a Youth Savings Account and Why Should Your Child Have One?](https://www.northwoodscu.org/what-is-a-youth-savings-account-and-why-should-your-child-have-one/) - Learn what a youth savings account is and how Northwoods Credit Union helps kids and teens in MN start saving early with fun, educational youth savings accounts
- [Understanding Student Loans: How They Work and What You Need to Know](https://www.northwoodscu.org/understanding-student-loans-how-they-work-and-what-you-need-to-know/) - Get the facts on student loans, interest rates, and repayment plans. Check out our marketplace for the best loan options to fit your needs.
- [Northwoods Credit Union's 88th Annual Meeting Recap](https://www.northwoodscu.org/northwoods-credit-unions-88th-annual-meeting-recap/) - Watch Northwoods Credit Union's 88th Annual Meeting recap, featuring the announcement of new CEO Terry Burn and our first-ever NCU Scholarship winners | Cloquet
- [Is Now a Good Time to Refinance Your Home? Here’s What You Need to Know](https://www.northwoodscu.org/is-now-a-good-time-to-refinance-your-home-heres-what-you-need-to-know/) - With recent rate cuts are you wondering if now’s the right time to refinance? Explore how home refinancing can save money & how often you can refinance a home.
- [Northwoods Credit Union’s 88th Annual Members Meeting](https://www.northwoodscu.org/northwoods-credit-unions-88th-annual-members-meeting/) - Join NCU in Cloquet, MN, for our 88th Annual Meeting on May 6. Enjoy gifts, updates, and community—streaming also available via Facebook Live.
- [Clear the Clutter: Join Us for Our 18th Annual Shred & E-Shred Event!](https://www.northwoodscu.org/clear-the-clutter-join-us-for-our-18th-annual-shred-e-shred-event/) - Clear the Clutter at our free Shred & E-Recycling Event in Cloquet, MN on May 9! Safely dispose of documents and electronics. Hosted by Northwoods Credit Union.
- [Introducing the Northwoods Credit Union Scholarship Program](https://www.northwoodscu.org/introducing-the-northwoods-credit-union-scholarship-program/) - Apply for Northwoods Credit Union’s local scholarships! Get up to $2,000 to support your education. Open to members. | Cloquet, Moose Lake, Floodwood, MN.
- [Find the Right Student Loans with a Credit Union Advantage](https://www.northwoodscu.org/find-the-right-student-loans-with-a-credit-union-advantage/) - Need student loans? Credit union advantages await! Northwoods Credit Union’s free marketplace connects you in seconds to trusted lenders for loan options.🎓
- [Beware of Grandparent Scams: Protect Yourself & Your Loved Ones](https://www.northwoodscu.org/beware-of-grandparent-scams-protect-yourself-your-loved-ones/) - Protect seniors in Northern Minnesota from grandparent scams. Learn warning signs, prevention tips, and how to report fraud. Stay safe from scammers today! NCU
- ['Tis the Season to Avoid Online Shopping Scams in 2025](https://www.northwoodscu.org/tis-the-season-to-avoid-online-shopping-scams-in-2025/) - Stay safe while shopping online this holiday season! Learn tips to avoid scams and protect your info. Northwoods Credit Union helps MN shop smarter in 2025.
- [Discover the Ease of Northwoods Credit Union's Digital Banking](https://www.northwoodscu.org/discover-the-ease-of-northwoods-credit-unions-digital-banking/) - Gain financial flexibility with Northwoods Credit Union's seamless digital banking solutions. Unlock ease on your path to financial freedom with online banking.
- [2024 Recap and 2025 Vision from Northwoods CEO Doug Wolf](https://www.northwoodscu.org/2024-recap-and-2025-vision-from-northwoods-ceo-doug-wolf/) - A year in review and a look ahead: CEO Doug Wolf shares updates on Northwoods Credit Union’s progress and vision for 2025. | Cloquet, Moose Lake, Floodwood.
- [The Financial Fresh Start Checklist for 2025](https://www.northwoodscu.org/the-financial-fresh-start-checklist-for-2025/) - Read new tips on subscriptions, budgeting, and debt solutions near Cloquet, MN, and beyond! Simplify your finances in 2025 with Northwoods Credit Union.
- [Switch to eStatements and Simplify Your Life](https://www.northwoodscu.org/switch-to-estatements-and-simplify-your-life/) - eStatements—a quick, convenient, and secure way to manage your accounts without the hassle of paper statements. Our members enjoy this feature for free!
- [$18,000 In Scholarships Available to Credit Union Members](https://www.northwoodscu.org/18000-in-scholarships-available-to-credit-union-members/) - Funding for college: $18,000 in Scholarships Available exclusively to credit union members! We can help apply for scholarships today.
- [Local Tips for a Budget-Friendly Thanksgiving 2024](https://www.northwoodscu.org/local-tips-for-a-budget-friendly-thanksgiving-2024/) - Thanksgiving 2024 on a budget: Discover tips for affordable meals, decor, and community resources in Carlton, Pine, and St. Louis counties. Enjoy savings now!
- [Best Snowmobiles To Buy While Living in Minnesota in 2024](https://www.northwoodscu.org/best-snowmobiles-to-buy-minnesota/) - Discover the top snowmobiles for Minnesota 2024-25! Insights and top options in our guide for Northland enthusiasts in Cloquet, Floodwood, and Moose Lake areas.
- [Home Equity Loans with Bad Credit: What You Need to Know](https://www.northwoodscu.org/home-equity-loans-with-bad-credit-what-you-need-to-know/) - Discover how to get a home equity loan with bad credit. Our Minnesota guide provides tips and strategies for securing home equity financing despite your score.
- [Recreational Land Loans: A Guide to Financing Your Dream Property](https://www.northwoodscu.org/recreational-land-loans-a-guide-to-financing-your-dream-property/) - Explore the benefits of recreational land loans and why a credit union is the best choice for financing your outdoor retreat. | Recreational Land Loans Locally
- [How to Refinance Your Student Loans and Save Money](https://www.northwoodscu.org/how-to-refinance-your-student-loans-and-save-money/) - Discover how to refinance your student loan and cut costs. Understand key student loan refinancing steps to reduce student debt and make repayment easier now.
- [Eight Ways To Save Vacation Money](https://www.northwoodscu.org/eight-ways-to-save-vacation-money/) - Plan your next vacation ahead to ensure that you get the most for your money without sacrificing a good time. Read our top tips so save money for vacation.
- [2020 Employee of the Year](https://www.northwoodscu.org/2020-employee-of-the-year/) - Northwoods Credit Union Employee of the Year 2020. We love our employees!
- [Top Reasons to Choose a Credit Union](https://www.northwoodscu.org/top-reasons-to-choose-a-credit-union/) - Considering a credit union? Explore the benefits of a credit union account, from lower fees to personalized service | A Credit Union Near You
- [Student Loans for Every Credit Score: The Northwoods Credit Union Marketplace](https://www.northwoodscu.org/student-loans-for-every-credit-score-the-northwoods-credit-union-marketplace/) - Explore flexible private student loans with our marketplace in minutes. Competitive rates and co-signer options available. Refinancing is also available!
- [Event Season Recap: Senior Day and Member Appreciation Days 2024](https://www.northwoodscu.org/event-season-recap-senior-day-and-member-appreciation-days-2024/) - Recap of Northwoods Credit Union's 2024 Member Appreciation Days and Senior Day in Cloquet honoring community support, elder awareness, and member gratitude.
- [Unlock the Future of Banking with Our New Digital Wallet](https://www.northwoodscu.org/unlock-the-future-of-banking-with-our-new-digital-wallet/) - Digital Wallet with our NCU Mastercard® Debit card is here! Enjoy secure and fast payments using your smartphone or smartwatch. Apple Pay®, Google Pay® & more!
- [6 Easy Ways To Save On Vacation](https://www.northwoodscu.org/6-easy-ways-to-save-on-vacation/)
- [Stanley Avenue Office Remodel](https://www.northwoodscu.org/stanley-avenue-remodel/) - Our Stanley Avenue location in Cloquet will be undergoing an exciting remodel! Read what this means for you and future service.
- [How to Score the Best Deals on Budget Vacations: 8 tips](https://www.northwoodscu.org/how-to-score-the-best-deals-on-budget-vacations-8-tips/) - Get the best vacation budget tips for your next trip. Learn how to plan budget vacations that are fun and affordable. Save money and travel smart!
- [World Elder Abuse Awareness Day: Join Us for Senior Day in Cloquet 2024!](https://www.northwoodscu.org/world-elder-abuse-awareness-day-join-us-for-senior-day-in-cloquet-2024/) - Join us on World Elder Abuse Awareness Day! Senior Day in Cloquet 2024 brings local vendors, food trucks, and informational speakers to Veterans Park on June 12
- [Kids Club & Teen Club: Teach Your Kids Financial Responsibility](https://www.northwoodscu.org/kids-club-teen-club-teach-your-kids-financial-responsibility/) - Join our exclusive Kids Club & Teen Club to teach financial skills early on. Empower your children with lifelong money management skills and our free rewards!
- [How Skip a Payment Works: Summer Fun Awaits](https://www.northwoodscu.org/how-skip-a-payment-works-summer-fun-awaits/) - Skip a payment with Northwoods CU and boost your summer budget. Find out how to skip a loan payment today with this step-by-step guide. | Cloquet, Minnesota.
- [Car Insurance For Teens: How Much Will Your Teen Driver Cost?](https://www.northwoodscu.org/car-insurance-for-teens/) - Discover how much car insurance for teens might impact your budget. Learn about factors affecting costs and ways to save in MN. Get valuable insights now!
- [Member Appreciation Days 2024](https://www.northwoodscu.org/member-appreciation-days-2024/) - Read about our 2024 Member Appreciation Days featuring free lunch, prizes, and live music from WKLK radio! Three days in Cloquet, Moose Lake, and Floodwood.
- [Northwoods Credit Union's 87th Annual Members Meeting](https://www.northwoodscu.org/northwoods-credit-unions-87th-annual-members-meeting/) - May 7th, 2024 at the Cloquet Public Library. Read more about our 2024 Annual Members Meeting: NCU updates, free prizes, community involvement, and more!
- [Credit Union Home Loans: A Step-By-Step Home Loan Overview](https://www.northwoodscu.org/credit-union-home-loans-step-by-step-overview/) - Looking for local credit union home loans? This guide takes you through the home loan process step-by-step. Everything you need on your home loan journey
- [Remote Mobile Deposit Capture: Explained](https://www.northwoodscu.org/remote-mobile-deposit-capture-explained/) - Breaking down remote mobile deposit in simple terms. Securely deposit checks into your bank account using a smartphone or tablet, anywhere, anytime.
- [Northwoods Credit Union Sends Texts and Emails Now!](https://www.northwoodscu.org/northwoods-credit-union-sends-texts-and-emails-now/) - Fight fraud with our new text and email alerts. Read about our new security feature and how it can help safeguard your finances!
- [Understanding Your Credit Score](https://www.northwoodscu.org/understanding-your-credit-score/) - Are you wondering: What is a credit score? What decides your credit score in general? Here are FIVE key things to watch for when monitoring your score!
- [Saving Energy During Cold Months](https://www.northwoodscu.org/saving-energy-during-cold-months/) - Getting the most out of the energy you consume this winter can save you significant money on your monthly utility bills. We have tips for you!
- [Build Better Credit Without Credit Cards](https://www.northwoodscu.org/build-better-credit-without-credit-cards/) - You don't need a credit card to build credit. Read about different ways to build credit and how we can help! | February 7, 2022
- [Saving Practices Made Easy](https://www.northwoodscu.org/saving-practices-made-easy/) - A solid savings plan is key to success. We at Northwoods Credit Union want to help you start saving money the right way with these easy tips!
- [NCU's 5 Expert Finance Tips for Your Best Year Yet in 2024](https://www.northwoodscu.org/ncus-5-expert-finance-tips-for-your-best-year-yet-in-2024/) - Unlock Financial Success in 2024 with Expert Finance Tips from NCU! Master your finances, invest wisely, and thrive. Your wealth journey begins here. 💲
- [Important Account Information Regarding Your Tax Return](https://www.northwoodscu.org/important-account-information-regarding-your-tax-return/) - Northwoods Credit Union Member: Read now for important account information regarding your 2024 tax return!
- [Student Loans are now supported at Northwoods Credit Union!](https://www.northwoodscu.org/student-loans-are-now-supported-at-northwoods-credit-union/) - Explore our student loan marketplace now. Personalized loan rates from 20+ student lenders, through 1 form, in under 3 minutes. Student loan seekers: read now
- [Our Best Black Friday 2023 Shopping Tips For Northlanders](https://www.northwoodscu.org/our-best-black-friday-2023-shopping-tips-for-northlanders/) - Discover the best Minnesota Black Friday shopping tips right here in the Northland and save your hard-earned money | Northwoods Credit Union
- [2023 Northwoods Credit Union Hat & Mitten Drive](https://www.northwoodscu.org/2023-northwoods-credit-union-hat-mitten-drive/) - Click here for info on our 2023 Hat & Mitten Drive and how you can help positively impact Cloquet, Moose Lake, Floodwood, and surrounding areas!
- [Letter from Doug Wolf, CEO, On Our Recent System Upgrade](https://www.northwoodscu.org/letter-from-doug-wolf-ceo-on-our-recent-systemupgrade/) - Update from Northwoods Credit Union President & CEO Doug Wolf on our recent system upgrade and looking ahead. | Cloquet, Moose Lake, Floodwood
- [2023 Northwoods Credit Union Member Appreciation Days Recap](https://www.northwoodscu.org/2023-northwoods-credit-union-member-appreciation-days-recap/) - We hosted our annual Member Appreciation Days and honored the re-opening of our Stanley Avenue branch in Cloquet. Click to read about it!
- [Lutheran Social Services of MN partners with Northwoods Credit Union](https://www.northwoodscu.org/lutheran-social-services-of-mn-partners-with-northwoods-credit-union/)

## Pages

- [Homepage](https://www.northwoodscu.org/) - At Northwoods Credit Union, our vision is to build life-long relationships, one member at a time. | Locations in Cloquet, Flooodwood, and Moose Lake, MN.
- [Visa Reloadable and Gift Cards](https://www.northwoodscu.org/visa-reloadable-and-gift-cards/) - Our Visa gift cards make great gifts and are available virtually. Reloadable cards can be a debit card alternative when traveling or for a college student!
- [Student Loans](https://www.northwoodscu.org/student-loans/) - Looking for the very best MN credit union student loans or student loan refinance? Private student loans are available to apply for now!| Minnesota
- [Careers](https://www.northwoodscu.org/careers/) - Are you looking for a financial career opportunity at a credit union with strong values and great benefits & pay? View jobs in Cloquet, Moose Lake & Floodwood💼
- [Disclosures](https://www.northwoodscu.org/disclosures/) - Northwoods Credit Union's updated disclosures that include privacy notices, how we protect your information, and more.
- [Home Loan Team](https://www.northwoodscu.org/home-loan-team/) - Our Home Loan Team will help you with Home & Land Loans, Mortgage Rates, Recreational Land Loans, get pre-approved for a home loan, FHA Loans, and much more.
- [News, Announcements & Newsletter](https://www.northwoodscu.org/news/) - Stay up-to-date with what's going on at Northwoods Credit Union and read up on our latest financial tips & news. Access our newsletter here, too!😀
- [Member Services](https://www.northwoodscu.org/member-services/) - In addition to our excellent products, we also offer services such as texting services, direct deposit, and more! Learn about our member services here.
- [Rates](https://www.northwoodscu.org/rates/) - View our latest auto loan rates, savings rates, share certificate rates & more in Minnesota | Cloquet, Moose Lake, and Floodwood. Find your best loan rates now!
- [Recreational Vehicle Loans](https://www.northwoodscu.org/recreational-vehicle-loans/) - Seek adventure with our local recreational vehicle loans, including loans for snowmobiles, ATVs, UTVs, and much more! Apply for a loan in MN today!
- [Locations & Hours](https://www.northwoodscu.org/locations-hours/) - Visit Your Local Credit Union: A Northwoods Credit Union branch location near you. View our drive-up and lobby hours here | Cloquet, Moose Lake, and Floodwood.
- [Auto Loans](https://www.northwoodscu.org/auto-loans/) - New and Used Auto Loans for Carlton, Pine, and St. Louis County in MN. We can also help you get a pre-approved auto loan in Cloquet, Moose Lake, or Floodwood.
- [Our Story and Membership](https://www.northwoodscu.org/our-story-and-membership/) - Wondering how to become a Northwoods Credit Union member? View our cmembership requirements today in Cloquet, Moose Lake, & Floodwood, Minnesota.
- [Auto Loan Refinancing](https://www.northwoodscu.org/auto-loan-refinancing/) - Potentially lower your auto loan rate with refinancing from Northwoods Credit Union. Serving Cloquet, Moose Lake, Floodwood, and northern MN.
- [Northwoods Credit Union is Expanding To Hinckley](https://www.northwoodscu.org/northwoods-credit-union-hinckley-announcement/) - Read more about our new branch location in Hinckley, Minnesota, as Northwoods Credit Union expands its services! | Helping members since 1936
- [Northwoods Credit Union Scholarship Program](https://www.northwoodscu.org/scholarship/) - Need a college scholarship near Cloquet, Moose Lake or Floodwood? Northwoods CU supports local students with college funding. Apply today & ease tuition costs!
- [Home Loans](https://www.northwoodscu.org/home-loans/) - We offer a variety of Home Loans and Land Loan options, with flexible terms and the best rates to fit your needs in Cloquet, Moose Lake, and Floodwood, MN
- [Personal Loans](https://www.northwoodscu.org/personal-loans/) - At Northwoods CU we know that everyone needs help sometimes. We are here for you with affordable personal loans. View our loan options here with local service.
- [Skip A Pay](https://www.northwoodscu.org/skip-a-pay/) - Do you want to skip your loan payment for budget room? Our Skip-A-Payment is here for you. Qualified members can skip their loan payment up to once per year.
- [Medicare](https://www.northwoodscu.org/medicarehelp/) - Does Medicare cover hearing aides or dental? Get local answers! Partnered with TruLync to offer Medicare guidance in Cloquet, Moose Lake & Floodwood areas now!
- [Loan Services](https://www.northwoodscu.org/services/loan-services/) - Northwoods Credit Union members have access to programs that could save you money on your home insurance and car insurance through our various partners.
- [Accounts](https://www.northwoodscu.org/accounts/) - Open a checking or savings account at Northwoods Credit Union. From basic checking to an IRA, we have the right option just for you. Learn more here!
- [Mobile Deposit Capture](https://www.northwoodscu.org/mobile-deposit-capture/) - At NCU, you can deposit your checks with your smartphone camera! Online banking services are at your fingertips with mobile deposit capture.
- [Platinum Rewards Card](https://www.northwoodscu.org/platinum-rewards-card/) - A Platinum Rewards Card from Northwoods CU offers lower rates, local service, no annual fees, and the ability to view information through online/mobile banking.
- [A New Chapter at Northwoods: Meet CEO Terry Burn](https://www.northwoodscu.org/northwoods-ceo-terry-burn/) - Meet Terry Burn, the CEO of Northwoods Credit Union. Learn about his vision, values, and leadership across Cloquet, Moose Lake, and Floodwood, MN.
- [Share Savings](https://www.northwoodscu.org/share-savings/) - When you open a Regular Share savings account, you become an owner of Northwoods Credit Union! Learn more about Share Savings and the credit union difference.
- [Loan Rates](https://www.northwoodscu.org/loan-rates/) - APR as low as 4.99% on Secured Loans and 10.70% on Unsecured Loans at Northwoods Credit Union. Check out local loan rates and payment terms here!
- [Retirement and Investment Services](https://www.northwoodscu.org/retirement-and-investment-services/) - Plan for retirement with Northwoods CU in Cloquet, Floodwood, and Moose Lake, MN. Explore Medicare options and expert financial investment services today!
- [Savings Rates](https://www.northwoodscu.org/savings-rates/) - Want to learn more about Northwoods Credit Union savings rates? Click to view our competitive share certificates, savings rates, and IRA certificates.
- [Lost or Stolen Card](https://www.northwoodscu.org/lost-or-stolen-card/) - If you believe your debit or credit card has been lost or stolen, please let us know immediately during regular business hours of 8:30am – 5:00pm.
- [Board of Directors](https://www.northwoodscu.org/board-of-directors/) - Explore the Board of Directors at Northwoods Credit Union and their roles. Serving northern Minnesota, our board members focus on our communities & members.
- [Platinum Low Rate Card](https://www.northwoodscu.org/platinum-low-rate-card/) - A Platinum Low Rate Card from NCU offers local service, lower rates, no annual fees, & one online login for your accounts. Find your best credit card rates now!
- [Line of Credit](https://www.northwoodscu.org/line-of-credit/) - Line of credit options for Cloquet, Moose Lake, Floodwood, and nearby communities. Apply for a line of credit personal loan with your local credit union.
- [Consolidation Loans](https://www.northwoodscu.org/consolidation-loans/) - Consolidation loan: Consolidate your debt and lower the rate, payment, and term at Northwoods Credit Union in Cloquet, Moose Lake, and Floodwood, Minnesota.
- [Credit Card Payoff Calculator](https://www.northwoodscu.org/financial-calculators/credit-card-payoff-calculator/) - See what monthly payment you need to pay off your credit card debt faster. Use Northwoods Credit Union’s easy credit card payoff calculator today.
- [Financial Calculators](https://www.northwoodscu.org/financial-calculators/) - Find your loan payments now with our auto loan calculator, mortgage payments calculator, personal loan calculator, CD calculator, and many more!
- [Credit Cards](https://www.northwoodscu.org/credit-cards/) - Looking for a credit card locally? Start earning now with one of our Northwoods Credit Union Platinum Rewards or Platinum Low Rate credit cards!
- [eStatements](https://www.northwoodscu.org/estatements/) - Have account information at your fingertips right when you’re ready for it. Sign-up for free, online eStatements and make information easier to retrieve.
- [Mastercard® Debit Card](https://www.northwoodscu.org/mastercard-debit/) - Modern benefits: the Northwoods Credit Union Mastercard® debit card is here! Features like tap to pay and digital wallet. Accepted at 60+ million places!
- [TruStage Debt Protection](https://www.northwoodscu.org/trustage-debt-protection/) - Protect your family from the unexpected with TruStage™ Debt Protection from Northwoods Credit Union. Help cancel loan payments due to death or disability. | MN
- [Share Certificates](https://www.northwoodscu.org/share-certificates/) - Share Certificates (or CD's) at NCU is a good investment option if you have $ you don’t need to touch for a certain time. Find Share Certificate rates now!
- [Loans & Credit](https://www.northwoodscu.org/loans-and-credit/) - At Northwoods Credit Union, we offer a variety of loans and credit options to help you achieve your financial dreams. Enjoy local service, low rates.
- [Loyalty Choice Rewards Checking](https://www.northwoodscu.org/loyalty-choice-rewards-checking/) - At Northwoods Credit Union, we want to reward your loyalty with refunded ATM fees as well as an opportunity to earn dividends on your rewards checking account!
- [Teen Club](https://www.northwoodscu.org/teen-club/) - Join the Teen Club at Northwoods CU and get all the tools you need to learn about finances, plus awesome prizes and incentives! Open to ages 13-17.
- [Kids Club](https://www.northwoodscu.org/kids-club/) - The Kids Club at Northwoods Credit Union offers a way for kids to learn about saving while they earn prizes and have fun! Open to ages 12 and younger.
- [Basic Checking](https://www.northwoodscu.org/basic-checking/) - Open a basic checking account that provides all your checking basics, plus free electronic services to give you extra convenience at Northwoods Credit Union.
- [Services](https://www.northwoodscu.org/services/) - From online and mobile banking to remote deposit capture and eStatements, Northwoods Credit Union provides various modern financial services to meet your needs.
- [NCU Online Privacy Policy](https://www.northwoodscu.org/onlineprivacypolicy/) - Read our online privacy policy here | Northwoods Credit Union
- [Online and Mobile Banking](https://www.northwoodscu.org/online-and-mobile-banking/) - With our online and mobile banking, you can make transfers, check balances, pay bills, sign up for eStatements & more! All from home using your NCU login.
- [Auto Loan Calculator](https://www.northwoodscu.org/financial-calculators/auto-loan-calculator/) - Estimate your monthly auto payments with our auto loan calculator and recreational vehicle calculator. Refinance or calculate your car loan payoff quickly now.
- [Christmas Club](https://www.northwoodscu.org/christmas-club/) - Make the 2023 Holiday Season easier. Contact Northwoods Credit Union today to learn more about starting a Christmas Club Account today!
- [Individual Retirement Accounts (IRA)](https://www.northwoodscu.org/ira/) - Opening an IRA Share Certificate is a great start towards financial security. View the advantages of opening an IRA with Northwoods Credit Union here.
- [Health Savings Account (HSA)](https://www.northwoodscu.org/hsa/) - A Health Savings Account is a tax-exempt trust or custodial account that you set up with a qualified HSA trustee. Open an HSA account here!
- [Money Market Account](https://www.northwoodscu.org/money-market-account/) - Maximize returns while minimizing effort and maintaining convenient access to your funds with a Northwoods money market account. Learn more here!
- [Test Web Speed](https://www.northwoodscu.org/test-web-speed/)
- [Car Affordability Calculator](https://www.northwoodscu.org/financial-calculators/car-affordability-calculator/) - Our car affordability calculator helps you estimate how much car you can afford based on your income and expenses. Calculate car payments before you shop in MN!
- [Upgrade](https://www.northwoodscu.org/upgrade/) - Everything you need to know about our recent Mastercard® debit card upgrade on April 1, 2024. New features like tap-to-pay and a fresh design are here!
- [Around Town](https://www.northwoodscu.org/around-town/) - Northwoods Credit Union takes pride in serving our local areas. Have an organization? Learn about our Community Builder Program partner benefits now!
- [Student Loan Refinance Calculator](https://www.northwoodscu.org/financial-calculators/student-loan-refinance-calculator/) - Calculate your potential savings with our refinance calculator for student loans. Discover how to refinance student loans for lower interest and faster payoff!
- [Home Affordability Calculator](https://www.northwoodscu.org/financial-calculators/home-affordability-calculator/) - Find how much home you can afford with our home affordability calculator, designed for first-time home buyers. Plan smart and land your dream Minnesota home!
- [Personal Loan Calculator](https://www.northwoodscu.org/financial-calculators/personal-loan-calculator/) - Our credit union personal loan calculator helps you budget your monthly payments and see how things like early payoff can save you interest over time. Try now!
- [Debt Consolidation Calculator](https://www.northwoodscu.org/financial-calculators/debt-consolidation-calculator/) - Use our free debt consolidation calculator at NCU in Northern Minnesota. Find out how consolidating debt can lower loan payments and save money.
- [Share Certificates Calculator](https://www.northwoodscu.org/financial-calculators/share-certificates-calculator/) - Our handy share certificate dividend calculator helps you calculate your earnings and compare CD rates. Plan for higher returns and smarter savings.
- [Savings Goal Calculator](https://www.northwoodscu.org/financial-calculators/savings-goal-calculator/) - Set yourself up for financial success with our modern savings goal calculator. Learn how to reach your savings goal by calculating monthly contributions.
- [Mortgage Loan Calculator](https://www.northwoodscu.org/financial-calculators/mortgage-loan-calculator/) - Use our credit union mortgage loan calculator as a starting point in your home-buying research. Get an idea of what to expect regarding interest paid and more.
- [Simple Loan Calculator](https://www.northwoodscu.org/financial-calculators/simple-loan-calculator/) - Our Simple Loan Calculator can be helpful to get a general idea of monthly payments to expect for a simple loan. Use our simple loan calculator to see payments
- [Lease vs Buy Car Calculator](https://www.northwoodscu.org/financial-calculators/buy-vs-lease-calculator/) - The Lease vs Buy car calculator compares the costs of buying or leasing a car. You can adjust for different scenarios to see what fits your budget here in MN.
- [Savings & CD's](https://www.northwoodscu.org/accounts/savings-cds/) - From basic checking accounts to IRA accounts, NCU has what you need with local service & low rates. Serving the Cloquet, Floodwood, and Moose Lake areas.
- [Education Station](https://www.northwoodscu.org/education-station/) - A page dedicated to member education and financial advice to help you save your money. Here to help those in Cloquet, Moose Lake and Floodwood areas.
- [Contact](https://www.northwoodscu.org/contact/) - Give us a call or fill out a secure form online and a customer service rep will get back to you promptly. We're happy to help! | Coquet, Moose Lake, Floodwood
- [About Us](https://www.northwoodscu.org/about-us/) - Learn more about our credit union membership and services offered in Cloquet, Moose Lake, Floodwood, and surrounding Minnesota areas. Join Today!
- [Financial Education](https://www.northwoodscu.org/financial-education/) - Northwoods Credit Union employees would love the opportunity to come share our financial knowledge with your students or employees. Learn more now!
- [Fee Schedule](https://www.northwoodscu.org/fee-schedule/) - Have questions about our fees for services ranging from HSA and Online Bill Payment to Electronic Funds Transfers? View our fee schedule here.
- [Equal Employment Opportunity Policy](https://www.northwoodscu.org/equal-employment-opportunity-policy/) - NCU management is responsible for ensuring the lawful and equitable treatment of all employees. View our Equal Employment Opportunity policy here.
- [Donation Requests](https://www.northwoodscu.org/donation-requests/) - Northwoods CU is dedicated to building relationships in the community where our members live and work. Fill out an online Donation Request form here.
- [Credit Card Rates](https://www.northwoodscu.org/credit-card-rates/) - View fees, other disclosures, interest rates, and interest charges for Northwoods Credit Union Visa credit card rates here.

## Alert Notice

- [TruStage Cybersecurity Alert](https://www.northwoodscu.org/anb/5600-2/)
- [Online & Mobile Banking Down](https://www.northwoodscu.org/anb/online-mobile-banking-down/)
- [CLOSED Friday, June 19th, in recognition of Juneteenth](https://www.northwoodscu.org/anb/closed-monday-june-19th-in-recognition-of-juneteenth/)
- [CLOSED Monday May 25th in Recognition of Memorial Day](https://www.northwoodscu.org/anb/closed-monday-may-26th-in-recognition-of-memorial-day/)
- [Plaid](https://www.northwoodscu.org/anb/plaid/)
- [Closed Presidents' Day](https://www.northwoodscu.org/anb/closed-presidents-day/)
- [Beware Scammers](https://www.northwoodscu.org/anb/beware-scammers/)
- [CLOSED Monday, January 19th in recognition of MLK Day!](https://www.northwoodscu.org/anb/closed-monday-january-16th-in-recognition-of-mlk-day/)
- [Online Banking](https://www.northwoodscu.org/anb/online-banking/)
- [STANLEY AVE CONSTRUCTION](https://www.northwoodscu.org/anb/stanley-ave-construction/)
- [Closure Notice](https://www.northwoodscu.org/anb/atms/)
- [We are OPEN today!](https://www.northwoodscu.org/anb/we-are-open-today/)
- [CLOSED Monday, October 14th](https://www.northwoodscu.org/anb/closed-monday-october-9th-in-recognition-of-columbus-day/)
- [FRAUD REMINDER](https://www.northwoodscu.org/anb/fraud-reminder/)
- [Floodwood Members](https://www.northwoodscu.org/anb/floodwood-members/)
- [Updated Agreement Notice](https://www.northwoodscu.org/anb/updated-agreement-notice/)
- [Phone Upgrade Notice](https://www.northwoodscu.org/anb/phone-upgrade-notice/)
- [CLOSED Tuesday July 4th in recognition of Independence Day](https://www.northwoodscu.org/anb/closed-tuesday-july-4th-in-recognition-of-independence-day/)
- [Your Visa Debit Card No Longer Works After April 1, 2024](https://www.northwoodscu.org/anb/closed-monday-october-11-2021/)
- [Online Banking Will Be Down For Maintenance](https://www.northwoodscu.org/anb/online-banking-will-be-down-for-maintenance/)
- [Upcoming Stanley Avenue Drive-Up Closure](https://www.northwoodscu.org/anb/upcoming-stanley-avenue-drive-up-closure/)
- [Floodwood Lobby is closed today, Tues, 5/31. Drive-Up is open normal hours.](https://www.northwoodscu.org/anb/northwoods-credit-union-will-be-closed-on-monday-may-31-2021-in-honor-of-memorial-day/)
- [Online Banking Down](https://www.northwoodscu.org/anb/online-banking-down/)

## Alert Notice Animations In

- [Fade in from top](https://www.northwoodscu.org/anb_animations/922-2/)

## Alert Notice Designs

- [Standard](https://www.northwoodscu.org/anb_designs/925-2/)

## Alert Notice Locations

- [Top](https://www.northwoodscu.org/anb_locations/top/)

## Categories

- [News & Announcements](https://www.northwoodscu.org/category/uncategorized/)
- [Education & Resources](https://www.northwoodscu.org/category/education-resources/)
- [Mortgage](https://www.northwoodscu.org/category/mortgage-basics/) - Blogs and videos to help you better understand the mortgage and home loan process.
- [New and Used Auto Loans and Auto Loan Refinancing](https://www.northwoodscu.org/category/credit-union-auto-loan-help/)
- [Recreational Vehicles](https://www.northwoodscu.org/category/recreational-vehicle-posts/) - Blogs and videos to help you better understand the recreational vehicle financing process.

## Tags

- [Credit Cards](https://www.northwoodscu.org/tag/credit-cards/)
- [Mortgage](https://www.northwoodscu.org/tag/mortgage/)
- [Financial Tips](https://www.northwoodscu.org/tag/financial-tips/)
- [Advice](https://www.northwoodscu.org/tag/advice/)
- [Loans](https://www.northwoodscu.org/tag/loans/)
- [Savings](https://www.northwoodscu.org/tag/savings/)
- [Annual Meeting](https://www.northwoodscu.org/tag/annual-meeting/)
- [credit](https://www.northwoodscu.org/tag/credit/)
- [Union](https://www.northwoodscu.org/tag/union/)
- [Members](https://www.northwoodscu.org/tag/members/)