Superior Choice Credit Union

Overview / Commentary
1320 Grand Ave
Superior, WI 54880

Superior Choice Credit Union is headquartered in Superior and is the 18th largest credit union in the state of Wisconsin. It is also the 532nd largest credit union in the nation. It was established in 1932 and as of June of 2023, it had grown to 169 employees and 43,574 members at 13 locations. Superior Choice Credit Union's money market rates are 7X the national average, and it has a B health rating.

Field of Membership Restrictions

Membership in Superior Choice Credit Union is open to anyone through a membership in the American Consumer Council or Douglas County Historical Society. Those who live or work in the Wisconsin counties of Ashland, Barron, Bayfield, Burnett, Chippewa, Clark, Douglas, Dunn, Eau Claire, Iron, Rusk, Sawyer, Taylor, or Washburn; or the Minnesota counties of Carlton, Itasca, or St. Louis are also eligible to join.
See current membership details

Related Posts

7 Month CD 5.65 - 7/26/2023

I did not see Superior mentioned under 6 month CD rates, so wanted to remind my fellow DA readers of Ken's post from July 15: Deal Summary: 7-Month Share Certificate Special, 5.65% APY, $500 minimum deposit, new money, available through July 31, 2023. Availability: Easy membership requirement. Now through July 31, 2023, Wisconsin-based Superior Choice Credit Union (SCCU) is offering a rate-leading 7-Month Share Certificate Special. While SCCU offers tiered APYs ($500 or $100k minimum deposits) on its regular Share Certificates, the 5.65% APY applies to all balances of $500 and greater. New money is required and is defined as “deposits and investments not previously held in a Superior Choice Credit Union account.”

Superior Choice Credit Union Adds Rate-Leading 7-Month CD Special - 7/15/2023

Superior Choice Credit Union (easy membership) is offering a rate-leading 7-month Share Certificate Special now through July 31, 2023. $500 min deposit of new money.

View all posts from:

A Happy Mortgage Customer

Wow - Great customer service and an Awesome value too! Our recent mortgage was handled most professionally, In addition we were offered a 30-year fixed rate mortgage with no closing costs. Zero! I'd never heard of that before. It knocked our socks off. We'll bring more business to this credit union.

Customer Service

Posted by: |

My goodness, it is it hard to get a loan through these guys. It just pummeled my credit score trying to get one. It's a good thing they have great customer service.


*Multiple issues with my escrow that caused multiple other issues.

Zero Stars If Possible

Posted by: |

In my view their Superior Choice's behavior has crossed from "mistaken" to improper, if not criminal. They provided me with a car loan through a dealership. At first it seemed to go well for a couple months but then they took money that they were not entitled to from a Florida account of mine. I had given them permission to automatically deduct the car payment, and only the car payment, from that account. However, they took out $4000 for insurance they claimed they had to put on the car because they were not listed as the leinholder. The problem is, they WERE listed as the leinholder from the time I purchased the vehicle, before it went off the lot. My insurance agent sent them the information on it at that time. This was a mistake entirely of their making within their company. Rather than check their own records to look for a mistake they just charged me money and assumed I wouldn't notice? When I asked I was given several different run-arounds with various explanations, always convoluted and not making much sense. My insurance agent and I had to resubmit information more than once to show them what they got originally was what was correct.

After many, many weeks and at least 40 hours of my own time and insistence, I worked out an arrangement where I received some of the cash back as a check and the rest was to be a credit for my July car payment. I had to insist over and over to people that THEY took money out of MY account and I wanted money put back into MY account. It seemed like a basic concept. You took money out erroneously, you finally acknowledge you did, but you refuse to put the money back??? The agreement was out of the $545 they were intent on keeping, $366 was to go to my July car payment and I was to get a check for the rest. I did receive my check, however I do not know if it cleared because I just deposited it. However, the amount that was supposed to be used to credit my July payment was still deducted from the other account and I never received any additional money to cover it. They are still holding onto money THAT IS NOT THEIRS TO HOLD. I did not expect that based on our agreement and now I have to pay transfer fees. Plus my statement also listed the "credit" once but the same amount twice as two debits. I haven't started fighting on that one yet.

DO NOT DO BUSINESS WITH THESE PEOPLE. In my opinion, they will hold you hostage, first insist that nothing is wrong and then confuse you out of your own money. For example, apparently "refund" does not mean giving somebody back money "mistakenly" taken. I was told It is some other accounting mechanism for the future that is difficult to follow but they just tell you they will refund your money. It is only when trying to track down how the refund will work that you find that out. Apparently they still hope nobody will notice they are draining their bank account illegitimately. I will say the final agent and I got through it and came up with a result that I would accept. It is too bad the company didn't back it up. I don't know where to go from here but I assume there is some regulatory agency that looks out for things like this. Of course, once again my time will be spent trying to get back money that is rightfully mine in the first place. I wish I had known. I will notify the car dealership not to use this place again.



Health Grade Components

NCUA #67173
Year Chartered1932
Primary Regulator
Profit Margin
Return on Assets - YTD0.24%
Return on Equity - YTD2.88%
Annual Interest Income$18.2MM
Assets and Liabilities
AssetsQ2 2023vs Q2 2022$792.2MM$624.3MM
LoansQ2 2023vs Q2 2022$608.8MM$508.8MM
DepositsQ2 2023vs Q2 2022$657.1MM$521.9MM
Equity CapitalQ2 2023vs Q2 2022$67.8MM$62.5MM
Loan Loss AllowanceQ2 2023vs Q2 2022$0$2.8MM
Unbacked Noncurrent LoansQ2 2023vs Q2 2022$12.5MM$6.7MM
Real Estate OwnedQ2 2023vs Q2 2022$0$0
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Always verify rates and promotions with the bank or credit union. We are not Superior Choice Credit Union; we are a rate comparison website and cannot provide official rates or promotions.

* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Superior Choice Credit Union Savings Account Rates

0.50%--Passbook IRA
0.25%--Health Savings Account
0.20%--Christmas Club Savings Account
0.10%$5-Membership Savings Account
0.10%--Fill in the Blank Savings

Superior Choice Credit Union Money Market Rates

3.04%*$1m*-Premier Money Market Account
OTHER TIERS: 0.50% $2.5k - $10k | 1.01% $10k - $50k | 1.51% $50k - $100k | 2.02% $100k - $250k | 2.28% $250k - $500k | 2.79% $500k - $1m

Superior Choice Credit Union Checking Account Rates

3.00%*$10k*$25kSuperior Business Checking
OTHER TIERS: 0.10% $100k+ | 1.00% $50k - $100k | 2.00% $25k - $50k
0.40%--Non Profit Checking

Superior Choice Credit Union CD Rates

3.20%*$100k*-30 Month Share Certificate
OTHER TIERS: 3.09% $500 - $100k
3.20%*$100k*-24 Month Share Certificate
OTHER TIERS: 3.09% $500 - $100k
3.14%*$100k*-7 Year Share Certificate
OTHER TIERS: 3.04% $500 - $100k
2.89%*$100k*-5 Year Share Certificate
OTHER TIERS: 2.78% $500 - $100k
2.63%*$100k*-4 Year Share Certificate
OTHER TIERS: 2.53% $500 - $100k
2.63%*$100k*-18 Month Share Certificate
OTHER TIERS: 2.53% $500 - $100k
2.53%*$100k*-3 Year Share Certificate
OTHER TIERS: 2.42% $500 - $100k
2.22%*$100k*-1 Year Share Certificate
OTHER TIERS: 2.12% $500 - $100k
1.30%$25$2.5k2 Year On the Rise Certificate
1.00%$25$2.5k1 Year On the Rise Certificate
1.00%$25$2.5k1 Year Next Gen Certificate
0.60%*$100k*-6 Month Share Certificate
OTHER TIERS: 0.50% $500 - $100k
0.40%*$100k*-3 Month Share Certificate
OTHER TIERS: 0.30% $500 - $100k

Superior Choice Credit Union IRA Rates

3.20%*$100k*-2 Year IRA
OTHER TIERS: 3.09% $500 - $100k
3.20%*$100k*-30 Month IRA
OTHER TIERS: 3.09% $500 - $100k
3.14%*$100k*-7 Year IRA
OTHER TIERS: 3.04% $500 - $100k
2.89%*$100k*-5 Year IRA
OTHER TIERS: 2.78% $500 - $100k
2.63%*$100k*-4 Year IRA
OTHER TIERS: 2.53% $500 - $100k
2.63%*$100k*-18 Month IRA
OTHER TIERS: 2.53% $500 - $100k
2.53%*$100k*-3 Year IRA
OTHER TIERS: 2.42% $500 - $100k
2.22%*$100k*-1 Year IRA
OTHER TIERS: 2.12% $500 - $100k
0.60%*$100k*-6 Month IRA
OTHER TIERS: 0.50% $500 - $100k
0.40%*$100k*-3 Month IRA
OTHER TIERS: 0.30% $500 - $100k


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