BANKING OFFERS

Earn rewards!

Have a chance to get cash and more for banking with us.

Take advantage of our current banking offers. As a credit union member, you deserve profit-sharing1 perks. Here are our latest offers:

New member eligibility and qualifying activity requirements apply. Visit the details pages for full Terms & Conditions and offer ending dates..

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$500 Draw

Open a No-Fee Chequing Account and you'll be entered to win $500.

New member eligibility and qualifying activity requirements apply. Offer ends December 31, 2026. Visit the details page for full Terms & Conditions..

$500 Draw Details

$100 Referral Bonus

If you refer a friend to Innovation and they open a No-Fee Chequing Account, they'll get $100 and so will you!

New member eligibility and qualifying activity requirements apply. Offer ends December 31, 2026. Visit the details page for full Terms & Conditions..

$100 Bonus Details

Youth Account Wallet

Open a No-Fee Youth Account and you'll receive a FAT CAT retro wallet.

New member eligibility requirements apply. While supplies last. Visit the details page for full Terms & Conditions.

Youth Account Details

$50 Student Offer

Are you attending post-secondary? Open a No-Fee Chequing Account and you'll receive $50!

New member eligibility and qualifying activity requirements apply. Offer ends December 31, 2026. Visit the details page for full Terms & Conditions..

Student Offer Details

Other Financial Offers You May Be Interested In

3.60% GIC Special Offer

Take advantage of a 3.60% 1-Year Non-Redeemable New Money GIC. 

New member eligibility and qualifying activity requirements apply. Offer ends November 15, 2026. Visit the details page for full Terms & Conditions..

GIC Offer Details

$250 FHSA Offer

Earn $250 to go towards your first home down payment. 

New member eligibility and qualifying activity requirements apply. Offer ends December 31, 2026. Visit the details page for full Terms & Conditions..

FHSA Offer Details

Willful 20% Discount2

Get an online will with Willful. As an Innovation member, you’ll receive a 20% discount.

Willful Website

Terms & Conditions

1Member Share & Member Rewards
All Member Reward distributions are not guaranteed and are at the full discretion of Innovation Federal Credit Union's (Innovation) Board of Directors and the Office of the Superintendent of Financial Institutions (OSFI). 
Redemptions of Membership Shares for any reason are not guaranteed and are at the full discretion of Innovation's Board of Directors and the Office of the Superintendent of Financial Institutions (OSFI). 
Membership Shares are capped at $5,000 (personal members) and $10,000 (business members). All balances held in the Member Rewards account exceeding these amounts are fully accessible to members and are not treated as capital to Innovation.
Dividend rates, allocation rates or any other factors impacting distribution of Member Rewards are subject to change without notice.

2Willful
Willful and Innovation Federal Credit Union (Innovation) are independent entities. Innovation is not responsible for the content, advice, services or products provided by Willful. Any transactions or agreements between you and Willful are managed solely by Willful. By engaging with Willful services, you acknowledge that Innovation does not guarantee or assume liability for the quality, reliability or suitability of these services.
Information contained on this page is not intended to serve as legal advice.
Visit Willful's website for terms and conditions for the 20% discount:  Signup | Willful