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Synergy is a member-owned financial institution catering to over 28,000 members, both voting and non-voting, across 12 communities in northwestern Saskatchewan. As the fifth-largest credit union in Saskatchewan, Synergy stands among Canada's leading credit unions, boasting over $2.16 billion in combined on- and off-balance sheet assets.

Synergy offers essential banking services through our traditional branches, the nationwide 'ding free' AccuLink ATM network, online banking, enhanced live chat, mobile web, banking app, and Member Contact Centre.


Synergy Credit Union is a member-owned, cooperative financial institution providing financial, wealth management, and payment services to individuals and corporations for the benefit of members and communities.


Synergy is a $5 Billion Credit Union driven by an unmatched member experience. We demonstrate a culture of member and community connectedness that embraces change.

It’s good to look at how much has changed in banking since the first Saskatchewan credit union formed in the 30s. It’s just as important to take a peek at the things that haven't changed...

Leading with Purpose

Synergy’s leadership sets and guides the overall direction of the credit union to ensure its success, as both a viable business, and a socially, environmentally and economically responsible financial co-operative. They aim to ensure the credit union’s value are aligned with its membership’s and business is conducted in an effective, open, transparent and ethical manner.

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ProfitShares Program

Through our profit sharing program, you can share in your credit union’s profits through rate bonuses on deposits, rate rebates on loans (on most products) and dividends on your ProfitShares account. On top of this, the more business you do with Synergy, the bigger your share becomes.


Whether it’s a new product or service, competitive rates, community events, financial news or celebrating the accomplishments of our members or staff, there’s always something happening at Synergy. To make it easy to stay in the loop, you can always find links to our most recent news here.

What we believe


In the early 1900s when credit unions were established in Canada, 7 Co-operative Principles formed a guiding light in building the Canadian credit union movement. At Synergy, we continue to live up to these principles; they play a leading role in the way we work with our members and in our communities every day.


We welcome anyone to join our credit union without discrimination on gender, social, racial, political or religious factors.


When an individual purchases a $5 member share, they have a say in how Synergy Credit Union operates through an opportunity to be a director, to vote in our Board of Directors elections, by voting in bylaw changes at special member meetings, and by attending our Annual General Meeting. New Community Credit Union exhibited this principle when their members shared their voice and voted in favour of merging with Synergy Credit Union in May 2022.


When Synergy Credit Union has financial success, so do our members. In 2022, more than $2.4 million was paid to members in allocations to their ProfitShares accounts, and of that, members who had reached their ProfitShares account limits enjoyed a cash payout of $791,000. Our members also benefited from $463,800 in their spending accounts through Member Rewards.

Through our ProfitShares program, which started in 1983, we have returned more than $95 million by allocation to members' ProfitShares accounts.


As a financial co-operative, Synergy Credit Union is controlled by real members like you, instead of outside shareholders. Decisions and partnerships with the credit union are made with the members’ interests first.


We provide members with access to resources and tools as a means to personal growth. Our goal is to empower our members through educational opportunities, including appointments with our experts who can assist in making key decisions for your financial future. Our financial literacy program, driven by the Synergy Emerging Leaders, provides educational opportunities for members and non-members through in-person and digital presentations on a wide range of topics. Additionally, we offer free financial wellness resources through our website.


Your credit union strengthens the co-operative movement by partnering with organizations that share the same important values. This can happen operationally, through our partnerships with credit unions to deliver improved digital banking technology platforms. This also happens locally, like partnering with our local co-operatives to deliver funds to local food banks in our areas during a time when the shelves were starting to empty.


When you’re a member of Synergy, you can be assured your day-to-day business translates into benefits for charities, local businesses and the entire community. Last year, we returned more than $700,000 to our communities through the Synergy Shares program, helping our region’s non-profit and community sector with funds at a time when donations were down. In addition to financial support, we encourage and promote volunteerism with all of team Synergy. You’ll often see a Synergy employee volunteer at both virtual and physical community events.

Join a financial institution where you're treated like a VIP, regardless of your balance.

Open an account with Synergy CU online in just 10 minutes – it's quick, easy, and hassle-free!

Our history

Our story began in 1943 as Lloydminster Savings and Credit Union Ltd., offering people a financial institution guided by co-operative values and the seven international co-operative principles. These values and principles set us apart and gave hard-working people a financial partner who put them first, making them owners rather than customers, along with a commitment to work diligently for sustainability and growth in their community. We continue to be guided by these co-operative values and principles today. They inspire us to make you our number one priority and to be a place where we can all grow, build and share our wealth. Learn more about our journey as a credit union by reading our historical highlights below.

Synergy Emerging Leaders

Our Synergy Emerging Leaders (SEL) program is dedicated to improving our credit union for employees, members, and communities through collaboration among current and future leaders.

One of SEL's primary objectives is to promote Financial Literacy in our communities. Our Financial Literacy Team is steadfast in their dedication to providing educational resources to help individuals build their financial knowledge and skills. We strongly believe that understanding how money works is integral to achieving financial wellness.

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