Getting your rewards is easy

Qualifying is easy. You can earn rewards on your average daily balance of $10.00 – $10,000 by meeting one or more of the following criteria. The more criteria you meet, the more you will earn in dividends!  Qualifying criteria products include; debit card, active loan under the same account number, certificate under the same account number and/or direct deposit, any amount in same account number.

If you meet one of the above qualifying criteria, you will earn 0.150% APY at 0.150% Dividend Rate. If you meet two of the above qualifying criteria, you will earn 0.300% APY at 0.300% Dividend Rate. If you meet three of the above qualifying criteria, you will earn 0.451% APY at 0.450% Dividend Rate. If you meet all four of the qualifying criteria, you will earn 0.602% APY at 0.600% Dividend Rate.

*Disclosures: APY is accurate as of 1/17/2023. Rates and rewards are variable and may change after account is opened. Fees may reduce earnings.

If there is an issue with an ATM fee reimbursement, please present to a representative at one of our branches within 30 days of transaction. Loyalty Choice Rewards account dividends and ATM fee reimbursements will be credited to your Loyalty Choice Rewards account within the first five business days of the next statement cycle. Limit of one Loyalty Choice Rewards account per Social Security Number. Rates and rewards are variable and may change after account is opened. Fees may reduce earnings. Account approval, conditions, qualifications, limits, timeframes, and other requirements apply. There are no recurring monthly service charges or fees to open or close this account. Please see Membership Account Agreement, Truth In Savings Disclosure or a Northwoods Credit Union service representative for additional information, details, restrictions, processing limitations and enrollment instructions.

Data carrier rates and fees may apply.

Accounts are federally insured by NCUA.