WINcentive Program

WINcentive Savings logoMontana’s Credit Unions has partnered with the Minnesota Credit Union Network to bring the WINcentive Savings (a prized-linked savings program) to Montana.

Saving money can be hard, but WINcentive makes it easier – and fun – by incentivizing consumers to save. WINcentive Savings offers prize drawing entries each time a WINcentive member increases their savings balance by $25 (up to 4 entries per month).

The Program in Montana

The Montana WINcentive prize drawings occur monthly, quarterly, and annually – so the more WINcentive members save, the more chances they have to win; Savers could even end up winning the Montana grand prize of $5,000. In addition, CUs have the option of offering CU-specific drawings to ensure they have a winner at their CU on a monthly, quarterly, and/or annual basis.

What’s Included

WINcentive is an out-of-the-box, fully branded, and easy-to-implement savings program. Participating CUs will receive implementation and best practice information, training for frontline staff, a CUNA Diamond Award-winning marketing toolkit, and compliance documents. All resources have been developed to be customizable to your credit union and membership, including:

  • A marketing toolkit, including a trademarked product name and logo
  • A consumer-facing website for members to learn about credit unions and how to participate in a WINcentive Savings account
  • Compliance templates for truth in savings disclosure, a member participation agreement, and WINcentive Savings account policy

The following CUs in Montana are currently participating in the program – and we continue to seek new CUs to join:

  • Altana FCU
  • Billings FCU
  • Montana CU
  • Park Side CU
  • Ravalli County CU
  • Russell Country FCU
  • Sky FCU

The Program in 2023

Each of the participating Montana CUs contributes toward the statewide prize pool. Their contribution is based on their membership at $0.19/member. Based on current CU participation in the Montana WINcentive program, below is the prize pool distribution for 2023. As we add CUs, the amount we have for statewide drawings also increases.

  • Each Month:  five drawings at $100/ea
  • Each Quarter: four drawings: 1 @ $1,000; 2 @ $500; 1 @ $250
  • Each Year: 1 @ $5,000; 2 @ $2,500; 2 @ $1,000
For More Information
Karen Smith Karen Smith SVP/Chief Advocacy Officer

800-745-5546, ext. 124

Direct: 406-324-7376