Member Rewards

St. Joseph’s Credit Union truly values its members and their business.  Our goal is to show our appreciation every day with each member interaction.  The Member Rewards Program is a special way of saying “Thank You”.  

What is Member Rewards?
We have been sharing our profits with members since 1995 through the Member Rewards Program.  To date, we have given back over $2.3 million to our membership.  In 2013, 1543 of our members were recipients of our Member Rewards with a total of $135,000 shared and we will be sharing another $135,000 again this year.  Funds are deposited into member accounts in December.   
Members earn Rewards based on the accounts they have plus using your accounts in your daily life including:
  • Lines of Credit
  • Personal Loans
  • RESPs
  • RRSPs
  • RRIFs
  • Tax-Free Savings Accounts
  • Term Deposits
  • Mortgages
  • Savings Accounts and Packages
  • Chequing Accounts and Packages
  • Electronic Transactions (includes non-in branch transactions like direct deposit of your pay cheque, store purchases using your debit card, online and TeleService bill payments, ABM deposits/withdrawals, use of MemberDirect, and more

As you can see, the more business you do with St. Joseph’s, the more Member Rewards you can receive!

*Member Rewards are calculated each year based on the profitability of St. Joseph’s Credit Union. The Board of Directors annually approves an amount to share among qualifying members. This amount is shared among members based on the types of accounts they have and how these accounts are used during the year.  The minimum rebate paid is $10. Member accounts must be in good standing to qualify.