Checking

Basic Checking
Fotolia_39120296_Subscription_XXLNCCU offers many great share draft (checking) account options. All of our checking accounts offer:
  • FREE Debit/ATM Card
  • FREE Online Banking
  • FREE 24-Hour Member Information Attendant (MIA) 24-Hour checkbook balancing
  • Immediate check copies—duplicates (you can request that your cancelled checks be returned - for a fee)
  • Automatic transfer from share savings to cover overdraft
  • Overdraft protection (to qualified applicants)

Free Checking

  • $25.00 minimum to open account
  • No minimum balance requirements
  • Unlimited check writing
  • No monthly per item charges
click HERE to apply online click HERE to print an application          
Preferred Checking

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  • $100.00 minimum to open account
  • $1,000.00 minimum balance to earn interest
  • Up to 15 checks clear your account free each month (25 cents for each additional check)
  • Interest bearing—dividends are calculated daily and compounded and paid monthly
  • No fee unless balance falls below $1,000. at any time during the month, then a $4 fee will be applied

Preferred Plus Checking

  • $250.00 Minimum balance to open account
  • $2,500.00 minimum balance to earn interest
  • Up to 15 checks clear your account free each month, (15 cents for each additional check)
  • Interest bearing—dividends are calculated daily and compounded and paid monthly
  • 3 FREE money orders per year
  • No fee unless balance falls below $2,500.  Then a $6 fee will be applied.
click HERE to apply online click HERE to print an application        
Premier Checking
ThinkstockPhotos-86799689As a Premier Account Member you will need to maintain the “Premier Checking Account” (as stated below). Your Premier membership awards you slightly higher rates on your deposits, plus these bonus benefits:    
  • Add .20% to the dividend rate for any new non-promotional share Certificate of Deposit
  • $250 credit towards closing costs associated with any NCCU mortgage loan closing with a minimum advance of $10,000 new money.
  • $50 credit towards processing fees and closing costs associated with the opening of any new NCCU Home Equity Line of Credit - HELOC
  • One Free box of checks/year for the Premier Checking Account
  • No Fee Official checks (limit one per month)
  • Free Notary Service
  • One Year Free Rental of a NCCU Safe Deposit Box (subject to Safe Deposit Box availability). Box Size is restricted to a 3”x 5” x 21” or a $20.00 credit towards a larger or existing box. This is a once per lifetime membership discount.
  • Free Online Banking, mobile banking, eStatements and MIA
  • Free Debit Card
Bonus benefits are available as long as the minimum average daily balance required for Premier Checking is maintained. If the average daily balance falls below $5,000, bonus benefits are revoked until the minimum balance requirement has been met for one full dividend period. At that time all bonus benefits will be reinstated. If the Premier Relationship is ended, all rates and accounts affected will drop to the basic rates. Premier Checking is limited to personal accounts only - no business or corporate accounts qualify. ** If the balance in your Premier Checking falls below the $5,000.00 minimum average daily balance for the month, in addition to the $25.00 monthly service fee, the dividend rates on the Premier Checking and all related Premier Products will also change. The Share Savings Account Premier Rates and IRA Premier Rates will default to the lowest rate paid on any share savings account or IRA offered by NCCU at the time of the rate change. The lowest rate will remain in effect for all of the Premier products until the minimum balance requirement of Premier checking has been met for one full dividend period. At that time all Premier products will revert back to the Premier APY. Fees could reduce the earnings on the account. *** Accounts cannot be aggregated. Some restrictions may apply. This credit union is federally insured by the National Credit Union Administration.   click HERE to apply online click HERE to print an application     Calculate your savings
Advantage 60

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Advantage 60 Checking

For our senior members, age 60 and over, we offer 2 FREE boxes of Advantage 60 checks per member each year, reduced fees on travelers checks, money orders, and official checks. click HERE to apply online click HERE to print an application
Student Checking
Fotolia_42196474_Subscription_XXL Going away to school? Take Northwoods Community Credit Union with you! We offer great options that allow students to access their money without having to live near an NCCU office. Students who open their checking account with us can get their first 50 Student Checks FREE.  Our FREE Debit cards are a great option for students, as well as our FREE online banking and our FREE mobile banking app.  Download our app today to begin accessing your funds anytime, anywhere! click HERE to apply online click HERE to print an application    
Share Savings
200383224-001 A $5.00 deposit in a Share Savings account is required for membership at Northwoods Community Credit Union. Membership gives the primary owner on the account voting privileges. With a $100.00 balance, dividends are paid monthly on the share savings account.   There is no minimum balance required to receive dividends if the account holder is under the age of 21. Click here to view our deposit rates, and to open a share savings account, visit any NCCU office! click HERE to apply online click HERE to print an application     Calculate your savings Click HERE to learn about how your funds are insured