Online Banking


Regular Shares

When you open our Regular Share/Savings account, you become an owner of Northwoods Credit Union! You are required to keep a minimum balance of $5 in this account to be eligible for our other products and services.

Christmas Club

Start saving now so you don't have to pull out those credit cards during the next Holiday Season! We can set it up so that a portion of your direct deposit goes directly into your Christmas Club Account, from $5 to $500 - whatever you choose!

Youth Shares

Check out our AMAZING Youth clubs for ages 0-17 by clicking here...Youth Club Logo

Health Savings Account or HSA

A Health Savings Account is a tax-exempt trust or custodial account that you set up with a qualified HSA trustee to pay or reimburse certain medical expenses you incur. You must meet the following requirements to be eligible for an HSA account:

  • You must be covered under a high deductible health plan (HDHP)
  • You have no other health coverage except what is permitted by the IRS.
  • You are not enrolled in Medicare
  • You cannot be claimed as a dependent on someone else's 2010 Tax Return

For more government information regarding Health Savings Accounts, please go to

Benefits of having a Northwoods Credit Union Health Savings Account

  • Debit Card with NO monthly fee
  • Unlimited Deposits
  • Interest compounds and credits quarterly
  • Link to our FREE Online Banking and Bill Pay
  • Competitive Dividend Rates
Health Savings Account Fees
Account Set Up Fee $25.00
Annual Fee (after the first year) $12.00
Card Replacement Fee (per card) $10.00

IRA Share Certificates

  • Traditional and Roth available
  • Terms available for 24 and 36 months
  • Minimum Balance $1,000
  • Competitive Dividend Rates

Money Market

  • Tiered Rates
  • Competitive Dividend Rates

Certificates of Deposit

  • Flexible terms of 3 months to 5 years
  • Varied minimum deposit amounts
  • Competitive Dividend Rates

To open an account, visit our nearest branch location

Click here for Rates