WINcentive Savings Info

WINcentive® Savings is a prize-linked savings account that offers members the chance to win cash prizes from a state-wide drawing pool. The goal of WINcentive is to foster a regular habit of savings among current members, and to also attract or broaden a new membership base.

WINcentive Savings consumer website

View participating credit unions



Your investment in WINcentiv gives your credit union access to a fully developed program that is easy for your staff to implement, including:

  • Access to a state-wide prize pool
  • A fully developed savings product that is unique to Minnesota credit unions that has been developed with the expertise of the national financial capability think-tank, Doorway 2 Dreams
  • Access to MnCUN’s secure, propriety software program that collects credit union data, applies a sophisticated random generator for prize winner selection, and creates and tracks winners through report generation
  • 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
  • Personalized training for frontline staff



The WINcentive Savings product was created to be a more flexible, unique and sophisticated product than those currently on the market. It has less strict participation rules, by allowing credit union staff, minors, and all members of a household to participate. This program is exclusive to our member credit unions headquartered in Minnesota, and only awards prize money to participating Minnesota credit union members.


Safe, Sound, and Secure

MnCUN’s product will take advantage of the file transfer and security framework already created for the Minnesota Item Processing Company’s (MnIPC) products and services. Once a credit union signs on with MnCUN to participate, they will be contacted to schedule providing the applicable technology and to undergo system testing.

WINcentive Savings Product Overview

WINcentive Savings Results through June 2016 (MnCUN member only access)


Prize Drawings

Number of Winners

Prize Amounts**

Drawing Dates




10th of each month




10th of April, July, October and January




January 10 of following year

Total in 2016




*Winning one prize category (monthly, quarterly, or annual) does not disqualify a participant from winning a different prize category within the same year.

Drawings will occur on or about the 10thof each month, or the next business day, for the previous month and/or quarter end.Prize Amounts are estimates and subject to change.

**Prize amounts are estimates and may be changed from time to time.



Contact us

For more information, contact Minnesota Credit Union Network Political Advocacy Director Ryan Smith by email, by phone at (651) 288-5533, or toll free by calling (800) 477-1034.


This information is the property of the Minnesota Credit Union Network, and is being provided for the benefit of our member credit unions interested in participating in the WINcentive savings account product, and may not be provided to or used by third parties without the express permission of the Minnesota Credit Union Network. 


Minnesota Credit Union Network
555 Wabasha Street N, Suite 200
St. Paul, MN 55102

(651) 288-5170
(800) 477-1034