ATM

ATM machines are available on site at the Oconto Falls and Oconto offices 24 hours a day, seven days a week. These machines can be accessed free with the N.E.W. MasterMoney™ Card or the N.E.W. MasterCard™ credit card. They can also be accessed with any plastic bearing the Discover / Novus / MasterCard™ / Cirrus / Pulse logo.

Share Savings Account

A share savings account is a safe and convenient way to save. Only $10 is required to open an account and become a member / owner of our financial cooperative, which entitles you to utilize other credit union services. Dividends are earned daily and paid to the account monthly. You will begin earning dividends in the account when your balance reaches just $30. Secondary share savings accounts can be opened to help you save for a special item or event. Other types of share accounts such as custodial accounts and trust accounts are also available.

Newt Club Account

Saving is encouraged through the NEWT CLUB. It is available for members who are newborns through twelve years of age. This account has all the features of a regular share savings account plus some other benefits: dividends are earned with a balance of only $30, minimum balance for a share certificate is only $250. Newt Club members have outings, such as a summer picnic.

Teen Club

Our members from thirteen through nineteen years of age can belong to our special TEEN CLUB. As members of the TEEN CLUB, they will receive the following services tailored just for them.

• Share draft basic account with free checks.
• $250 minimum share certificates with current rates.
• Loans at ½% lower Annual Percentage Rate
• MasterCard™ with a manageable limit
• Guaranteed student loans

Christmas Club Account

A Christmas Club Account is a great way to save for the holidays. You can deposit any amount that you wish at anytime into this account. If you work for a company that offers payroll deduction to the credit union, or receive a direct deposit, this is a convenient way to deposit into your club account. On this account, dividends are earned daily and credited annually.

Tax/Insurance Saving Account

A share account to help members save for the costs of property taxes, home owners insurance or vehicle insurance. Dividends are earned daily and paid to the account monthly.

Electronic Transfer Account

An ETA is a low-cost account which allows recipients to receive Federal payments electronically in accordance with the electronic funds transfer (EFT) provision of the Debt Collection Improvement Act of 1996 (DCIA). ETAs are eligible for any individual who receives a Federal benefit, wage, salary, or retirement payment. This account is a non-dividend bearing account with no minimum balance requirement. Deposits are limited to the Federal benefit only. No over the counter deposits or check cashing are allowed.

Share Certificates

Members who are searching for higher yields than a share savings account, but still want to enjoy the safety and soundness the credit union has to offer, may want to open a share certificate. Certificates are offered at a variety of terms with special terms being offered from time to time. The rate is locked in for the term of the certificate. There is a $1000 minimum to start a certificate. Newt and Teen club members have a $250 minimum. Penalties for early withdrawal are 90 days of dividends. Dividends can be received monthly by check or deposited into another account automatically; or they can be received at maturity by check, deposited to any account or added right to the certificate.

Click HERE for current rates.

Individual Retirement Account (IRA)

IRAs are a good way of saving for your retirement. With the open share deposit account you can add or withdraw at any time with no credit union imposed penalties. Dividends are earned daily and paid monthly to the account. Dividend rates are higher than the regular share savings account and the account has low maintenance fees. We offer Coverdell (educational), Traditional and Roth IRA's for your savings needs.

Simplified Employee Pension Account (SEP)

For smaller businesses we have SEP start-up kits and accept SEP deposits. This is a nice benefit to offer employees at a low cost.

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