WINcentive® Savings.

You could build a savings account. Or you could build a savings account and while you’re at it, also be entered in drawings for cash prizes.

Open an Account

  • Minnesota and Wisconsin residents are eligible.
  • Minors are eligible with a guardian's permission.
  • Business and trust accounts are not eligible.
  • One WINcentive Savings per person, per credit union.
  • Opening/minimum balance requirement of $5.
  • Make a 12-month savings commitment. Early withdrawals get a fee.
    • First withdrawal fee of $10.
    • Second withdrawal fee is $25.
    • A third withdrawal closes the account without a fee.
  • Read the WINcentive Participation Agreement for full details and disclosures.


Apply Today


Win Cash Prizes

You could end up winning the grand prize of $5,000.

Members-Only Drawing

Affinity Plus offers its members their own cash prizes. That 90 guaranteed Affinity Plus winners each year!

  • 5 monthly drawings of $100 each
  • 5 quarterly drawings of $500 each
  • 10 annual drawings of $1,000 each


State-Wide Drawing

You can also win cash prizes through our partner, the Minnesota Credit Union Network.

  • 45 monthly drawings of $100 each
  • 4 quarterly drawings of $1,000 each
  • 1 annual drawing of $5,000


How You Win

The more you save, the more chances to win.

  • Earn a drawing entry each time you increase your month-over-month balance by $25.
  • Earn a maximum of four entries per month.
  • All the money you deposit into the account is yours.