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MEMBER REWARDS Program

for Personal Accounts       Calculate MEMBER REWARDS

Let's talk details...

Who and what products & services qualify for MEMBER REWARDS:

#1.  MEMBERSHIP

First and foremost, you must be a member of Unity Credit Union to qualify for MEMBER REWARDS.  Not a member yet? 

#2.  RELATIONSHIP

You need to have a minimum of 4 products with us to qualify for MEMBER REWARDS, as at December 31 of the previous year (accounts must be in good standing). 


RELATIONSHIP REWARD

With the minimum of 4 products, you receive $100. 
Every additional product earns you $20.​


Relationship Reward
4 Products

 $100
Every Additional Product $20

Just about every product and service we offer qualifies for MEMBER REWARDS!
Click to expand the full list of products below.
ELIGIBLE PRODUCTS RELATIONSHIP REWARD VOLUME BONUS
Chequing ✔ ✔
Savings (Plan 24®) ✔ ✔
Term Deposit ✔ ✔
Unity Credit Union RRSP ✔ ✔
Unity Credit Union RRIF ✔ ✔
Unity Credit Union TFSA ✔ ✔
Unity Credit Union RESP ✔
Personal Consumer Loan/Quick Loan ✔ ✔
Personal Line of Credit ✔ ✔
Residential Consumer Mortgage ✔ ✔
Personal Agriculture Loan ✔ ✔
Personal Agriculture Mortgage ✔ ✔
Collabria Credit Card ✔
Safety Deposit Box ✔
Aviso Wealth* (Previously CAM) Accounts ✔
Aviso Wealth* (Previously CSI) Accounts ✔


Note: Only the first of multiple products under one product type counts toward the product count.  For example, if you have three different chequing accounts, we will only count them as one towards eligible products.  However, all three accounts will be included in the calculation for Volume/Balance Bonus.

*Mutual funds and other securities are offered through Aviso Wealth, a division of Aviso Financial Inc.

The MEMBER REWARDS Program and reward amounts are subject to change at any time and changes may be made without any notice. There is no guarantee on how funds will be distributed or on amounts to be paid. The MEMBER REWARDS Program may be suspended or discontinued at any time.

#3.  BONUS REWARDS 

If you meet the requirements of #1 and #2, then you can qualify for:

VOLUME BONUS

The volume bonus is based on the balances of all of your accounts.  To qualify, total balances of accounts (deposits + loans) must meet the minimum amount of $250,000 as of December 31 of the previous year. 

Here are the reward tiers for the VOLUME BONUS:


 Balances of Accounts VOLUME Bonus Reward
BRONZE
 $250,000 - $999,999 $250
SILVER $250,000 - $999,999 $500
GOLD Over $2 Million $1,000

NOTE: For accounts with joint owners, the payout will be paid out in equal portions to each owner of the account.  Example: If a couple owns $300,000 jointly, then the payout of $250 will be divided in half for each member.  Each member will receive $125.



LOYALTY BONUS

The loyalty bonus is based on the number of years you have been a member of Unity Credit Union.  To qualify, you must have been a member for a minimum of 10 years at December 31 of the previous year. 

Here are the reward tiers for the LOYALTY BONUS:

 Years of Membership LOYALTY Bonus Reward
BRONZE
 10-14 years $10
SILVER
 15-19 years $20
GOLD
 20+ years $40

MEMBER REWARDS: Frequently Asked Questions

Here are some commonly asked questions regarding our new MEMBER REWARDS Program.  If your question isn't answered here, please send us an email, give us a call, or visit us in branch.
How much you receive depends on your relationship with us.  Payments are based on relationships as of December 31 of the previous year.  The more business you do with us, the more you get rewarded.  If you cannot see your MEMBER REWARDS account in Online Banking, please call us.

Once the annual payments are completed, the entire payment is yours to do with as you like!  What you don’t have access to, and needs to stay in your Member Rewards Account, is your $5 Member Share.  When you opened your first account, you deposited the $5 into it to become a member of Unity Credit Union. The $5 Member Share will be restricted as you need to be a funded member to receive future MEMBER REWARDS payments
ELIGIBLE PRODUCTS RELATIONSHIP REWARD VOLUME BONUS
Chequing ✔ ✔
Savings (Plan 24®) ✔ ✔
Term Deposit ✔ ✔
Unity Credit Union RRSP ✔ ✔
Unity Credit Union RRIF ✔ ✔
Unity Credit Union TFSA ✔ ✔
Unity Credit Union RESP ✔
Personal Consumer Loan/Quick Loan ✔ ✔
Personal Line of Credit ✔ ✔
Residential Consumer Mortgage ✔ ✔
Personal Agriculture Loan ✔ ✔
Personal Agriculture Mortgage ✔ ✔
Collabria Credit Card ✔
Safety Deposit Box ✔
Aviso Wealth Inc.* (Previously CAM) Accounts ✔
Aviso Wealth Inc* (Previously CSI) Accounts ✔


Note: Only the first of multiple products under one product type counts toward the product count.  For example, if you have three different chequing accounts, we will only count them as one towards eligible products.  However, all three accounts will be included in the calculation for Volume/Balance Bonus.


*Mutual funds are offered through Credential Asset Management Inc. Mutual funds and other securities are offered through Credential Securities, a division of Credential Qtrade Securities Inc. Credential Securities is a registered mark owned by Aviso Wealth Inc.

The MEMBER REWARDS Program and reward amounts are subject to change at any time and changes may be made without any notice. There is no guarantee on how funds will be distributed or on amounts to be paid. The MEMBER REWARDS Program may be suspended or discontinued at any time.

The short answer: Yes.  All youth Growth accounts will receive $50 as a thank you for choosing Unity Credit Union to be your piggy bank!

The long answer:  All youth Growth accounts will receive a minimum of $50 in their Member Rewards account.  However, if the youth member has at least 4 products with us, they will qualify for the regular MEMBER REWARDS payout, as that payment will always be larger.
We’d love to earn more of your business and help you reach your financial goals with our competitive products and services.  You can earn additional MEMBER REWARDS by increasing your relationship with us.
A joint account will be used towards the product total calculation (Relationship component).  The payout of the Volume Reward will be split evenly between the members who own the account(s).  For example:  If two members own an account jointly with a balance of $250,000 (and given they each have 4 products to qualify for Member Rewards), the payout of $250 will be split in half.  Each member will receive $125.

The exception is our Collabria credit cards, as currently only the primary holder will receive credit for the card.

If you want more details on the payouts of your joint accounts, please call to make an appointment with one of our advisors.
No.  For the Relationship reward, only one account per product type is counted towards the total relationship product count.  For example, if you have two chequing accounts, even if they are different types of chequing accounts, you will only receive credit for one because they are both the same product type.  However, all accounts and balances will be included in the calculation for the Volume Bonus.
Yes, all account balances will be included in the calculation for the Volume Bonus.
Yes.  As our relationships with our members have grown, our rewards program needed to evolve as well.  We have expanded our MEMBER REWARDS program to reward a wider variety of accounts, services and solutions.  While the old patronage program rewarded only interest paid on loans and interest earned on deposits, the new MEMBER REWARDS Program rewards the entire member relationship.

We will provide further details in 2024 on when the old Equity accounts will be paid out.
No. The MEMBER REWARDS Program and reward amounts are subject to change at any time and may be made without any notice.  There is no guarantee on how funds will be distributed or on amounts to be paid.  The MEMBER REWARDS Program may be suspended or discontinued at any time.
Yes.  Future payments will change as your relationship with Unity Credit Union changes and evolves.  
Unfortunately, due to legislative restrictions and income tax implications, we are unable to reward certain accounts at this time, including Aviso Wealth* and registered accounts.  However, we are always looking for ways to evolve and improve our MEMBER REWARDS Program, so should circumstances change, we would be happy to revisit this.

*Mutual funds are offered through Credential Asset Management Inc. Mutual funds and other securities are offered through Credential Securities, a division of Credential Qtrade Securities Inc. Credential Securities is a registered mark owned by Aviso Wealth Inc.

Yes.  The MEMBER REWARDS payment you receive is fully taxable.  You will receive a T-5 for the full amount of the reward.  T-5s will be available in February of the following year.
The minimum requirements to be eligible for a payment are, as at December 31 of the previous year:
  1. You needed to be a member with a fully paid member share,
  2. You needed to hold a minimum of 4 eligible Unity Credit Union products and services (multiple products of the same product type do not count), and
  3. The accounts must be operated as agreed to, active, and in good standing.
If you don't meet those requirements, we'd love to earn more of your business and help you reach your financial goals.  You can become eligible for MEMBER REWARDS by increasing your relationship with us. 

If you feel you meet those requirements and you may have been missed, we'd be happy to look into it for you!  Please call us at 306.228.2688, send us an email, or visit us in branch.
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