WINcentive® Savings. Because Cash Prizes Rule.

Why just build your savings, when you can save AND be entered in drawings for cash prizes at the same time? Talk about a win-win.

Asha, a Minnesota resident, on a pink background
Asha, Minnesota Resident

What You Get

Easy Transfers

Schedule transfers into your savings with our top-rated mobile banking app or online banking.

Withdrawals are limited and may incur a fee. See note 2, below.

Early Pay

Get your paycheck and other direct deposits up to 2 days early at Affinity Plus.

All you need to do is set up direct deposit with your payer.*

MyPlus Rewards™

Earn 4 MyPlus Rewards points a month per $1,000 in average daily savings balances.

Chances to Win Money

With over 30 drawings each year, you have many chances to be a lucky winner.

How it works

Open an account.

Get started with as little as $5, the minimum opening deposit amount.

Make deposits for drawing entries.

Earn an entry to a drawing each time you increase your month-over-month balance by $25. Earn a maximum of four entries per month.1

Tips to maximize your savings:

  • Set up Stash Your Cash to round up your debit card purchases, and automatically transfer the difference to this account.
  • Schedule recurring transfers to your account, so your balance keeps growing without your having to think about it.

Save for a year.

This account’s designed to encourage saving for a year, and withdrawals (which are limited) within that time will incur fees.2

After 12 months, you can start another year of chances to win cash. Or roll your money into a different account, or withdraw it at no fee.3

Watch your savings grow.

Your deposits plus dividends earned are yours!

Drawings & Prizes

Statewide Drawings

Held by the Minnesota Credit Union Network, these include entries from members at all participating credit unions.

  • Monthly: $100 (50 winners)
  • Quarterly: $1,000 (5 winners)
  • Holiday: $1,000 (2 winners)
  • Annual: $5,000 (2 winners)

Affinity Plus Drawings

These are limited to Affinity Plus members. That's 41 guaranteed winners each year!

  • Monthly: $500 (3 winners)
  • Annual: $1,000 (5 winners)

Ready to Start Winning Cash?

If you live in MN or WI, and even if you’re a minor (with a guardian’s permission), you can start saving – with over 30 chances to win cash!

WINcentive Savings

Good to Know

*Your early access to direct deposits depends on the payer and when they submit their payment file. Affinity Plus usually makes these funds available the day we get the payment file, which can be 1 – 2 days earlier than the scheduled payment date.

Only one (1) WINcentive per person, per credit union is allowed. Also, business and trust memberships aren’t eligible. Read the WINcentive Participation Agreement for complete rules and guidelines.

  1. You get a maximum of four (4) entries per month; a maximum of twelve (12) entries per quarter; and a maximum of forty eight (48) entries per twelve (12) month savings period.
  2. You may make up to two withdrawals during the 12-month savings period, but you will incur a fee for doing so. The fee for the first withdrawal is $10, and the fee for a second withdrawal is $25. A third withdrawal closes the account without a fee.
  3. After the 12 month savings period you can choose to continue for another 12 months, or withdraw the money. In your anniversary month you're permitted to take one no-penalty withdrawal. You can withdraw some or all the money or roll it over to another share account. Any money in the account after the anniversary period is an eligible entry in prize drawings for the next 12-month savings period.
  4. Winning one prize category (monthly or annual) doesn't disqualify you from winning a different prize category in the same year.

Affinity Plus is proud to partner with the Minnesota Credit Union Network (MnCUN) to offer the WINcentive program to our members. For more information and prize schedule, visit MnCUN's WINcentive website.

Important Information & Disclosures

Service Fees: A simple explanation of exactly what you can be charged and when.

Truth-in-Savings Disclosure: The rates, terms and limitations that apply to your account.