Synergy Credit Union - Synergy Credit Union: Cooperative Financial Services & Community Support

About Us

Synergy Credit Union is a member-owned financial institution serving over 27,000 members across 12 communities in west-central Saskatchewan. As the fifth-largest credit union in the province, Synergy ranks among Canada’s leading credit unions, with more than $2.8 billion in combined on- and off-balance sheet assets.

Synergy offers a full range of essential banking services through its traditional branches, the nationwide ding free® AccuLink® ATM network, online and mobile banking platforms, a user-friendly banking app, enhanced live chat, and a locally operated Member Contact Centre.

Guiding the Future

Newly merged, Conexus Credit Union’s leadership team and inaugural board guide our vision and strategy to ensure we remain a strong, member-focused financial co-operative. Together, they uphold our commitment to transparency, ethical practices, and social responsibility.

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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.

As part of our upcoming merger, the ProfitShares Program will conclude on December 31, 2025.

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News

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. To make it easy to stay in the loop, you can always find links to our most recent news here.

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1. VOLUNTARY AND OPEN MEMBERSHIP

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

2. DEMOCRATIC MEMBER CONTROL

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.

3. MEMBERS' ECONOMIC PARTICIPATION

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.

4. AUTONOMY & INDEPENDENCE

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.

5. EDUCATION, TRAINING AND INFORMATION

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.

6. CO-OPERATION AMONG CO-OPERATIVES

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.

7. CONCERN FOR COMMUNITY

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.

Membership That Goes Beyond Banking

Discover the benefits of becoming a Synergy Credit Union member — it's rewarding, empowering, and built around you.

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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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