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Loyalty Choice Rewards Checking

We want to reward your loyalty with refunded ATM fees as well as an opportunity to earn dividends on your checking account! Flexible rewards and easy qualifications!

2.019% APY* on average balances up to $10,000

Unmet Qualifications? Still earn ATM refunds up to $30 per month*

No fees for unmet qualifications

ATM fee refunds* up to $30.00 per month

$10 minimum balance to earn rewards

No monthly service charge

Unlimited check writing

No monthly service fees on our debit cards

Free online banking & bill pay

Free mobile banking & mobile deposit

Free eStatements

Free Visa® debit card

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!

If you have a: You will earn: Annual Percentage Yield:

Debit card

0.50%* APR* on average daily Loyalty Choice Rewards balance 0.502% APY

Active loan under the same account number

0.50%* APR* on average daily Loyalty Choice Rewards balance 0.502% APY

Certificate under the same account number

0.50%* APR* on average daily Loyalty Choice Rewards balance 0.502% APY

Direct deposit, any amount in same account number

0.50%* APR* on average daily Loyalty Choice Rewards balance 0.502% APY

If you have 2 of the above qualifying criteria, you will earn 1.00% APR dividends, 3 qualifying criteria earns 1.50% APR and 4 qualifying criteria earns 2.00% APR. The maximum monthly amount you can earn is 2.00% APR, 2.019% APY.

*Disclosures: APY is accurate as of 3/01/2020. 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.

Accounts are federally insured by NCUA.

Learn more about our
Loyalty Choice Rewards Checking

Get rewarded for what you’re probably already doing!

Apply 24/7 via the link below.
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