Member Rewards program

Did you know you're part of one of the best credit union Member Rewards programs in Canada?

As a member of Innovation Credit Union, you're also an owner. That means you share in the success of your credit union! Our Member Rewards program ensures you benefit from a variety of rewards including:

  • allocations based on how much business you do with us
  • cash dividends based on your Member Rewards Account balance, calculated at an attractive rate of return
  • youth cash dividends paid to our members under the age of 18
  • free products and services that help you save money every day
  • community investment in local causes you care about.

Click here to view our Member Rewards program video!

    How Do I Save? Expand/Collapse

    We can help you save money every day with our fee-free services!

    • No-Fee Account
      No fees.  No service charges.  Period.  Sign up today!
    • ding free® ATM network
      Withdraw cash for free nation-wide.  Learn more.
    • credit unions CONNECT
      Bank at any Saskatchewan credit union at no extra cost.  Learn more.

    Our members saved over $4.6 million last year alone using our No-Fee Account!

    2.50%* 5-Year Investment
    We also have products and services that help you save more everyday.  Take our 2.50% 5-Year investment.  You could earn $263 in interest over 5 years versus $71 over the same time period with a simple savings account.

    Based on a $2,000 balance.

    *Rates are subject to change without notice.

    How Do I Earn? Expand/Collapse

    Upon approval by our Board of Directors, Innovation makes allocations to your Member Rewards Account and pays cash dividends and youth dividends! The amount we allocate is based on interest paid on your loans and earned on your investments in the following accounts:

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

    The more business you do with Innovation Credit Union, the larger your allocation and/or cash dividend will be!  Our members have earned $23.9 million over the past 10 years simply by doing business with us!

    Click here to learn more about how our Member Rewards allocations work.

    How Do I Give? Expand/Collapse

    Your business also translates into support for your community!  Thank you once again for the privilege to give to the communities we live in.  Here is our 2017 community investment totals:

    • $439,760 in sponsorships and donations
    • $26,500 in scholarships and spirit awards
    • $18,305 in donations to charity by staff
    • 14,608 staff volunteer hours

    Our members have helped us give back over $5.2 million to the communities we serve over the past 11 years.  Amazing!

    To learn more details, visit the community area of our website.

    Online banking and mobile app feature Expand/Collapse

    Unique to Innovation is our Member Rewards feature in both our app and online banking!  See how much you save, earn, and give in real-time. 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!
    If you're interested in opening an account or have questions about our Member Rewards program, we'd love to help:

    Apply Now

    For information on upcoming changes to DEPOSIT INSURANCE if we become a federal credit union, see our disclosure notice. Creditors who have concerns may contact Innovation Credit Union.