Apply to win a "Hello, Spring" $2,500 Giveaway!*

Open a No-Fee Bank Account between April 1st and June 30th, and you could win a $2,500 spring giveaway!*

Already a member? Refer a friend to be entered to win.

*Terms and conditions apply.

Apply to win a "Hello, Spring" $2,500 Giveaway!*

A white piggy bank with a bouquet of flowers coming out the coin slot

Fat Cat holding a large hot dog in the park. Children watch excitedly.

Picnic in the Park

Join us Sunday, June 2nd for the 43rd Annual Picnic in the Park in Swift Current, SK!

Save. Earn. Give. That’s Responsible Banking™.

Save money with low-to-no fees and competitive rates. Earn profit-sharing dollars simply by banking with us. Give back to your community and causes that matter.


bank fees, so you save each month.

$43.25 million

paid in cash rewards to our members.

Over $9 million

invested in your communities.

Discover Better Banking

No-Fee Chequing Account

Pay $0 in monthly fees, transactions, and withdrawals including Interac e-Transfer®.

Savings Account

Pay $0 in monthly fees. Earn cash dividends plus interest.


Fund your home with flexible mortgage options. Plus, you'll earn Member Rewards!

Personal Loan

Enjoy simple borrowing for that one-time purchase or emergency need.

Visa* Credit Cards

Find the best card for you today, with no fees, rewards, cash back options, and more.

Line of Credit

Enjoy convenient, easy-to-access cash with low minimum payments.

Explore Exciting Member Offers

Get Up to $3,000 Cash Back*

This special mortgage offer is available on your:

  • first mortgage,
  • a mortgage transfer to us, or
  • next mortgage with us!

*Terms & Conditions Apply

Apply to win a "Hello, Spring" $2,500 Giveaway!*

Open a No-Fee Bank Account. You could win a $2,500 spring giveaway!*

  • Pay $0 bank fees.
  • Enjoy unlimited transactions!

*Terms & Conditions Apply

Refer a Friend for $50*

If they open a No-Fee Bank Account,

  • you'll get $50,
  • they'll get $50, and
  • you'll both be entered to win a $2,500 spring giveaway!*

*Terms & Conditions Apply

Access banking solutions anytime, anywhere.

Download our banking app to:

  • Check your balance,
  • Transfer money,
  • Deposit cheques,
  • Pay bills, and more!
Download iOS App Download Android App

You Help Us Give Back to Your Community

Banking with us supports your community in the form of scholarships, sponsorships, and grants.
We allocate 2% to 4% of pre-tax profits every year to our communities.

Meet a Sponsorship Recipient
Truth & Reconciliation Committee, Swift Current, SK
“Thank you to Innovation Federal Credit Union for supporting Truth and Reconciliation events in Swift Current. We were able to bring in speakers of national and provincial statures due to the support we got from community partners like Innovation. We are grateful for the ongoing support.”


Apply for financial support in minutes.


Fund your larger community project. Make a difference!


Win thousands to help with tuition costs. Applying is easy!

Caring Company

We're recognized as a Caring Company, by Imagine Canada.

Frequently Asked Questions

You can trust your online banking experience will always be a great one.

  • Your money is safe and secure.
  • Applying for loans, mortgages, accounts, and GICs is fast and easy.
  • The empowering tools and features let you budget, pay bills, make transfers and more.

Plus, you’ll save money! Our No-Fee Bank Account is the perfect example. Not to mention you’ll get personalized advice to resolve any financial issues you come across. Search Innovation Federal Credit Union at your favourite app store to get started!

With a No-Fee Bank Account, not only do you pay zero monthly fees, but you’ll also enjoy:

  • Free and unlimited Interac e-Transfer® transactions.
  • Surcharge-free ATM transactions at any ding free ATM location.
  • No minimum balance requirements.

Plus, you can access all the standard benefits of a bank account. From debit cards to our easy-to-use mobile banking app, you’ll have everything you want in a chequing account.

With an Innovation Savings Account, you’ll enjoy:

  • no monthly fees,
  • no minimum balance requirements,
  • six free debit transactions per month, and
  • 24/7 fast access through your mobile device.

Plus, you’ll earn interest and Member Rewards cash! Choose from a variety of additional savings plans, including Tax-Free Savings Accounts (TFSAs)Guaranteed Investment Certificates (GICs)Registered Retirement Savings Plans (RRSPs), and Registered Education Savings Plans (RESPs).

As a member, you have access to a wide variety of loans and lines of credit, which can help with everything from unpredictable expenses to home renovations. And you can apply for both in just a few minutes online.

You can also explore a range of mortgage loans, from first-time home buyer incentives to building a new home from scratch.

Plus, the moment you become a member, you’re part of our Member Rewards program, where you can earn cash dividends and monthly transaction rewards! That means you earn profit-sharing dollars simply by having a loan, line of credit, or mortgage with us. Choosing us as your financial institution also supports your community because we share 2-4% of our pre-tax yearly profits with local organizations.

* The Collabria Visa Card is issued by Collabria Financial Services Inc. pursuant to a license from Visa.