Member Rewards - Earn more today!
Earn rewards - join us today

Share in the success of your credit union!

Being an Innovation member means you get to share in the success of your credit union! When you become a member, we'll open a Member Rewards account for you. And you might be interested to learn that we just deposited a  $231,875 cash dividend to Member Rewards Accounts this quarter!

There are three facets of the program: Save, Earn, and Give.

How Do I Save? Expand/Collapse

Members save on fees!

  • Our No-Fee Account saves members as much as $300/year in bank fees.  Sign up today!
  • Our ding free® ATM network saves members an average of $2.50/month or $30/year.  Learn more.

Members save more for their futures!

How Do I Earn? Expand/Collapse

Members earn cash dividends they can use today AND cash we tuck away for them in a long-term investment with a great rate. It's like a stash of secret cash you wish you always had. This includes a $5 per quarter youth cash dividend for members 18 and under.

What bank would do that?

The amount we give is based on interest paid on your loans and earned on your investments in the following accounts:

  • Interest-bearing operating accounts
  • Savings accounts
  • Term deposits
  • Loan and mortgage accounts
  • Line of credit

Our members have earned approximately $32.4 million over the past 13 years simply by doing business with us!

How Do I Give? Expand/Collapse

Your business also translates into support for your community!  Over the past 13 years, our members have helped us give back approximately $6.42 million to the communities we serve. Here's our 2019 community approximate investment totals:

  • $507,000 in sponsorships and donations
  • $33,000 in scholarships and spirit awards
  • $22,500 in donations to charity by staff
  • 12,900 staff volunteer hours
To learn more details, visit the community area of our website.

Can I withdraw money from my Member Rewards Account? Expand/Collapse

You can withdraw your cash dividends anytime you like. Simply transfer the available cash balance from your Member Rewards account to your operating or savings account.

You can withdraw money from the long-term investment portion of your Member Rewards account when:

  • Your balance reaches $5,000 (personal members) or $10,000 (business members). 

    Or

  • When you reach age 65.  A $5.00 balance will be retained in your account, but you will have access to anything over $5.00.

Online banking and mobile app feature Expand/Collapse

See how much you save, earn, and give easily in real-time through our Member Rewards feature in both our mobile app and online banking! 

There's also a Member Rewards calculator to help you see how you can earn more.

How to access in the app

Mobile app

How to access in online banking
Online Banking

Haven't downloaded our mobile app yet? It's easy!
Member Rewards to date

If you're interested in opening an account or have questions about our Member Rewards program, we'd love to help:


Contact us


Apply Now

From the Cubicle of Our CEO

Federal Continuance

Disclosure Notice

Caring Company