WINcentive Savings Info

WINcentive Savings incentivizes consumers to save by offering risk-free rewards. WINcentive prizes are awarded on a monthly, quarterly, and annual basis, with prizes ranging from $100 to $5,000.  Account holders qualify for up to four chances per month for each $25 increase in their month over month savings balance.


WINcentive Savings is offered at 22 credit unions in Minnesota. The Minnesota Credit Union Network and TruLync, a wholly-owned subsidiary of the association, also administer prize-linked savings programs in Delaware, Louisiana, New York, Montana, and Wisconsin..


WINcentive Savings consumer website

View participating credit unions



Your investment in WINcentive provides access to a fully developed program that is easy to implement, including:

  • Access to a state-wide prize pool
  • A fully developed savings product that is unique to credit unions that has been developed with the expertise of the national financial capability think-tank, Common Wealth
  • 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


Safe, Sound, and Secure

MnCUN’s product will take advantage of the file transfer and security framework already created for TruLync 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 Product Profile 

2019 Prize Schedule (for Minnesota's credit unions)

Prize Drawings

Number of Winners

Prize Amounts

Drawing Dates




10th of each month




10th of April, July, October and January

Quarterly  1 per credit union  $100

10th of April, July, October and January

Special Holiday

2 $1,000 10th of December 2019




January 10 of 2020

Total in 2019*




*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 10th of 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 and numbers of winners are subject to change.


Contact us

For more information, contact Minnesota Credit Union Network Director of Engagement Ben Hering by email or by phone at 651-288-5519.

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