BUSINESS & AG
Welcome to our Business and Ag Financial Centre (BAFC), where your financial needs take center stage! We pride ourselves on understanding the distinct requirements of local businesses, farmers, and medical and business professionals. Whether you're seeking comprehensive business banking solutions, strategic borrowing options, investment opportunities, or specialized financial expertise, we're here to cater to your every need. Join us on a journey of financial empowerment and unlock the endless possibilities that lie ahead!
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Introducing the Business and Ag Financial Centre Team

Beyond being financial advisors, we are your allies on the path to financial success. Trust is at the core of our relationship, which is why we go above and beyond to ensure you feel right at home with our team. Curious to learn more about our exceptional individuals and their expertise in guiding you towards your financial goals? Click on their images and discover the wealth of knowledge and support they bring to the table.

Karen Hilts
Sr. Advisor
Business and Ag Financial Centre
Lloydminster

Brett Hotchkiss
Advisor
Business and Ag Financial Centre
Lloydminster

Raven Luchinski
Account Advisor
Business and Ag Financial Centre
Lloydminster

Lexi Marchadour
BSc - AgBus
Sr. Advisor
Business and Ag Financial Centre
Lloydminster

Heidi Mark
Advisor
Business and Ag Financial Centre
Lloydminster

Kaley McLeod
B. Sc. Ag., ACUIC
Manager
Business and Ag Financial Centre
Lloydminster

Sydney Payne
BSc - AgBus, CPC, FCUIC
Advisor
Business and Ag Financial Centre
Lloydminster

Jessica Retzleff
Account Advisor & Analyst
Business and Ag Financial Centre
Lloydminster

Ron Thompson
ACUIC
Sr. Advisor
Business and Ag Financial Centre
Lloydminster

Jenna Wall
Sr. Advisor
Business and Ag Financial Centre
Lloydminster
Hello, I'm Karen Hilts, a Senior Advisor at the Business & Ag Financial Centre. With over 25+ years of local experience, I bring a unique perspective to understand your needs and wants.
As a local expert, I'm agile and well-prepared for both expected and unexpected events in our communities. I specialize in assisting with commercial and agricultural needs, whether you're starting up, growing, or planning for succession. I can also help developers with pre-sold, spec, or lot purchases, as well as professionals in specialized industries to achieve their unique goals.
Giving back to the community is a core value for me. I volunteer at numerous non-profit, agricultural, school, and financial literacy events, ensuring I contribute to the growth and development of the community I call home. Synergy's support inside and outside of work hours speaks volumes about our commitment to the community.
Whether you're on either side of the border, I can assist you with commercial financing, agricultural financing, provide local advice, and collaborate with you to find the best products and services.
Let's connect and explore how I can support your financial goals. Contact me today!
Hey there, I'm Brett Hotchkiss, an Advisor with the Business & Ag Financial Centre! I joined Synergy in June 2021 with a passion for forming meaningful connections and making a difference in our members' lives.
With a Bachelor of Science from the University of Alberta, I bring a strong educational foundation to my role.
Starting a family is the highlight of my life, and being a good father and spouse brings me tremendous joy and fulfillment.
Giving back to the community is what motivates me to participate in community service activities. I believe in the power of paying it forward and creating a positive cycle of support.
Now, here's a fun fact: I don't feel guilty about much, except when I watch American Idol. It's my guilty pleasure!
If you're looking for a dedicated advisor who values relationships and community impact, let's connect and explore how I can assist you with:
- Business loans
- Business mortgages
- Agriculture loans
- Agriculture mortgages
Hi there! I'm Raven Luchinski, an experienced Account Advisor with the Business & Ag Financial Centre Team at Synergy. With over 10 years in the industry, I understand the unique needs of small businesses, commercial ventures, and agricultural operations in our communities. I'm here to help you achieve your financial goals and provide timely support through thick and thin.
As your account advisor, I'm here to assist you with a range of services, including small business, commercial, and ag account openings. I can also guide you through various cash management services, such as Customer Automated Funds Transfer (CAFT) services and digital (online) banking options. And if you're looking for investment planning, rest assured that I've got you covered with guaranteed business and ag investment solutions.
In addition to my professional achievements, I take pride in volunteering with organizations like Meals on Wheels and continuously seeking opportunities to learn and grow. Community service is a driving force for me, as it allows me to contribute to the betterment of our communities and build strong connections.
Now, for a fun fact about me— I'm an avid DIYer, always finding inspiration from Pinterest and embarking on exciting projects.
Let's connect and discuss how I can help you thrive financially. Reach out today, and let's get started on achieving your goals together!
Hi there! I'm Lexi Marchadour, a Senior Advisor with the Business & Ag Financial Centre. Although I joined Synergy in 2021, I've been in the financial industry since 2019.
Understanding your operations and goals is my top priority. I take the time to consult with members, creating a clear path to achieve their financial goals while ensuring overall financial well-being.
With a Diploma in Business Management and a Bachelor's degree in Agribusiness, I bring a strong educational background to provide you with expert guidance.
When I'm not working, you can find me volunteering at the Frenchman Butte Museum. Being involved in the community allows me to support those who support us and to connect with new people in the area.
As an advisor, I can assist you with commercial and agricultural mortgages, as well as loans. Let's work together to find the best solutions for your financial needs.
Ph: 1-306-500-5038
Hey there, I'm Heidi Mark, an Advisor at the Business and Ag Financial Centre. With a career spanning over 24 years, I joined Synergy in June 2014, bringing a wealth of industry experience and expertise.
My focus is on serving both Agriculture and Small Business members, providing personalized advice and tailor-made solutions that fit your unique needs. I understand the importance of flexibility for you, your business, employees, and your family. I'm deeply committed to our community, staying connected and knowledgeable about the industries that drive our local economy.
With a UofS Diploma in Agriculture, specializing in Multiple Enterprise Management, I strive to stay engaged with local communities. I volunteer at various agriculture and business events, chairing the Lloydminster Farmers' Bonspiel since 2008. Additionally, I represent the Lloydminster Chamber as a Member Representative on the Chamber Member Relations Committee.
Giving back and making a positive impact is something that truly makes me feel good. It's an honor to contribute my time to better the lives of the people and the place we call home.
Now, here's a fun fact about me: I was the Saskatchewan Dairy Princess in 1993!
As your Advisor, I'm here to help develop and manage Ag and Commercial Small Business relationships. I can assist you with day-to-day banking, investing, borrowing, and connect you with our exceptional team of partners when needed.
Let's connect and discuss how I can support your financial goals. Reach out to me today, and let's embark on a successful journey together!
I'm Kaley McLeod, an experienced financial professional who began my career in 2004 and joined Synergy in 2014. As the Manager of the Business & Ag Financial Centre, I lead a fantastic team of experts with diverse industry experience.
We not only live and support local, we ARE local, which means we understand our economy and the dynamics that drive it. Our deep understanding of the economy allows us to offer a range of products and services designed to improve your financial health, regardless of your industry.
With flexibility and mobility as our strengths, we meet you where and when it suits you best, whether you're on one side of the border or the other.
My team works closely with members to provide personalized advice and flexible solutions for financial wellness. Whether you're starting up, growing, or planning for retirement, we have borrowing, deposit, and cash management options to support you.
In addition to my professional endeavors, I believe in the power of volunteering to strengthen our communities and expand my network. By sharing my time with organizations like The Bea Fisher Foundation and Lloydminster KidSport, I improve the quality of life for others.
On a personal note, music fuels my energy and passion for success. I run on music, the louder, the better!
Let's connect and discuss how we can contribute to your financial success.
Ph: 1-306-500-4972
Hey there, I'm Sydney Payne! I'm an Advisor with the Business & Ag Financial Centre at Synergy Credit Union since January 2021. I'm passionate about empowering local agricultural producers and small business owners to achieve their financial goals. With a Bachelor degree in Agribusiness, Certificate of Professional Communication, and FCUIC accreditation, I bring expertise and a unique perspective to the table.
Beyond work, I'm deeply committed to making a positive impact in our communities. I volunteer at events like Agri-Visions, Stockade Roundup, Cattlemen's Call, GMACK Steer & Heifer Show, 4-H Expo, and the Turtleford Summer Cattle Show, contributing to our community's growth.
I actively promote financial literacy and empower individuals to make informed financial decisions. Additionally, I contribute to the Heart of Treaty 6 Committee, where I work alongside dedicated individuals to foster relationships and drive positive change. As a Startup Lloydminster Board Member, I am passionate about supporting and nurturing the entrepreneurial spirit in our region.
Fun fact: I love cows, coffee, and curling! Growing up in a rural community, I developed a deep appreciation for agriculture.
If you're seeking a financial professional who understands local needs and actively contributes to the community, let's connect!
Get in touch with me today and let's explore the exciting possibilities of small business and ag borrowing options tailored specifically for your operation.
Hey, I'm Jessica Retzleff, an Account Advisor and Analyst at the Business & Ag Financial Centre. With a strong background in business and a genuine passion for supporting our members' journeys, I joined Synergy in 2009 and returned in 2016 after exploring other Credit Unions.
I bring a personable and knowledgeable approach to my role, dedicated to helping businesses in our communities thrive. Alongside my Business Diploma from Grant MacEwan, I've completed the Indigenous Canada Course and I'm currently pursuing a Business Management Degree through Lakeland College/Athabasca University.
Outside of work, I'm an active volunteer and proud member of Synergy Emerging Leaders. I engage in community initiatives, such as conducting Financial Literacy Presentations in schools, and I cherish the opportunity to connect with the people in the communities we serve.
Fun facts about me? I'm a fan of specialty coffees and lattes, enjoy home store shopping, live music, and have a passion for traveling.
I'm here to support your business's account needs and handle behind-the-scenes tasks for your loan requests. So, let's chat and explore how I can assist you in achieving your business goals.
Ph: 1-306-500-4957
Hello, I'm Ron Thompson, a Senior Advisor with the Business and Ag Financial Centre (BAFC) team at Synergy CU. With a rich experience spanning over three decades in the financial services industry, I have honed my expertise to offer you customized solutions that truly cater to your needs.
I believe in thinking outside the box to craft solutions that meet the individual needs of you and your business. Your success is my priority, and I strive to make a real difference in your financial journey. Backed by a diploma in Business Administration from SIAST, I bring a solid educational foundation to complement my vast experience. Additionally, I hold the designation of Associate of the Credit Union Institute of Canada (ACUIC), which further enhances my expertise.
Beyond my professional life, my true joys revolve around my family—my children and grandchildren enrich my life in countless ways. Moreover, I find immense fulfillment in community service and involvement. Seeing the positive impact of our efforts to make our communities better places to live is genuinely rewarding.
And, if you're wondering about my guilty pleasure, it's coffee! You will always find a cup of coffee in my hand or within reach. It fuels my passion for what I do and keeps me energized to serve you better.
I'm here to assist you with an array of services, including:
- Commercial and agricultural financing on both sides of the border
- Financing of professional corporation and structures
- Income/Rental properties
- Multiple unit properties; hospitality
- Business purchases and expansion, including restructures
- Joint ventures and complex ownership structures
- Farm purchases and expansions
- Financial advice tailored to your needs
Reach out to me, and let's embark on a journey towards your financial success and prosperity.
Ph: 1-306-500-5172
Greetings! I'm Jenna Wall, and I've been a part of the financial services industry since 2012, joining the incredible team at Synergy Credit Union in 2014. As the Senior Advisor with the Business and Ag Financial Centre in Lloydminster, I'm dedicated to fostering the growth and success of our members.
Why choose me as your advisor? Because I care deeply about the success of my members' businesses. My commitment extends beyond mere transactions; I prioritize your needs with open, honest, and transparent communication. I offer holistic advice spanning business startup, growth, and succession, providing flexible solutions tailored to your unique requirements. As a trusted advisor, my goal is to contribute to your success by leveraging my knowledge of the diverse industries within our community.
Credentials & Education:
-
Bachelor of Business Administration (2012)
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FCUIC - Fellow of the Credit Union Institute (2018)
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Currently pursuing the Management Studies Program designation
I'm not just a financial advisor; I'm a community enthusiast. Volunteering at various agriculture and business events, as well as non-profit initiatives, allows me to witness the positive impact firsthand. I'm proud to call this community home, and I'm dedicated to contributing my part to make it stronger.
Beyond the financial world, my family is my heartbeat, bringing immense joy and happiness into my life. I love to indulge my passion for travel and sports. Currently navigating the exciting journey of motherhood, I welcome any advice or shared experiences!
I specialize in commercial and agricultural financing, offering personalized advice and customized solutions to propel you towards your goals. Let's embark on this financial journey together. Your success is my priority, and I look forward to being your trusted partner in achieving your business and agricultural aspirations.
Book an appointment with Jenna
Email:Jenna.Wall@synergycu.ca
Phone: 306-500-4945
Business and Ag Branch Team

Nadine Wilson
RIS
Branch Business & Ag Advisor
Synergy Credit Union
Mutual Fund Investment Specialist
Credential Asset Management Inc.
When did I join Synergy/start my career in the financial services industry? September 2002
What’s my favourite part of helping members?Helping them to achieve their financial goals and providing advice to attain those goals. I love interacting with my members and getting to know them to find those areas we can assist them with.
What’s one piece of advice I can give that I think is crucial? Use your advisor to discuss and plan your financial goals. I can assist you with all of your borrowing needs as well as get your retirement plan started for you.
I can assist you with:
- New accounts
- Term investments
- Business loan
- Business mortgage
- Agriculture loan
- Agriculture mortgage
- Investment planning
- Mutual funds
- Retirement savings
- RRSPs, TFSAs, RESPs
Book an appointment with Nadine
Email: Nadine.Wilson@synergycu.ca
Ph: 1-306-500-6800

*Mutual funds are offered through Credential Asset Management Inc.

Jordan Heffner
Branch Business & Ag Advisor
When did I join Synergy? August 2022
What’s my favourite part of helping members? Helping them reach their financial goals and seeing members succeed.
I can assist you with:
- Lines of credit
- Business loan
- Business mortgage
- Agriculture loan
- Agriculture mortgage
- Credit cards
- Personal loan
- Personal mortgage
Book an appointment with Jordan
Email: Jordan.Heffner@synergycu.ca
Ph: 306-500-1922

John Veenstra
Branch Business and Ag Advisor
When did you join Synergy: 1998
How many years have you been in the financial industry? 40 years
John can assist you with:
- New accounts
- Investments
- Personal loans
- Mortgages
What’s your favorite part of helping members?
Helping members in meeting their financial goals.
What’s one piece of advice you can give members that you think is crucial?
How important it is to have a strong and complete estate plan and in the cases of farm/business, to also plan for a successful succession plan to the next generation.

Jessie Whitney
Branch Business & Ag Advisor
When did I join Synergy? March 2, 2004
How many years I you been in the financial industry? 17 years
What’s my favourite part of helping members? I love being able to assist my members with their financial goals. Knowing that I can provide solid advice and see my members thrive is very satisfying.
What’s one piece of advice I can give that I think is crucial? Take control of your financial wellness and don’t leave it to chance! Budgeting is a great tool to start setting yourself up for success and knowing you can achieve your goals.
What keeps me up at night? Not being able to fill every member’s request. I have found that if they seek the advice from professionals (financial advisors, accountants and lawyers, for example) early on in life, that there is a greater chance they will reach their goals in the future.
Email: Jessie.Whitney@synergycu.ca
Ph: 1-306-500-6767

Marissa Gray
Branch Business & Ag Advisor
When did I join Synergy/start my career in the financial services industry? I started with Synergy Credit Union in September 2022. I have been in the financial services industry since June 2010.
What’s my favourite part of helping members? Seeing and helping members reach their goals financially.
I can assist you with:
- New accounts
- Term investments
- Credit cards
- Business loan
- Business mortgage
- Agriculture loan
- Agriculture mortgage
- Personal loan
- Personal mortgage
- RRSPs, TFSAs, RESPs
Book an appointment with Marrisa
Email: Marissa.Gray@synergycu.ca
Ph: 306-500-1793

Darren Doepker
Manager, Business Advisory Services
New Community Branch
I'm Darren Doepker, the Manager of Business Advisory Services at Synergy Credit Union's New Community branch in Saskatoon. My journey with Synergy started in January 2023, but I began my career in financial services back in September 1988. Over the course of my 35-year career in the financial services industry, I've had the privilege of helping our members navigate the ever-evolving financial landscape.
Throughout my career, I've maintained a steadfast commitment to cooperative values and principles, ensuring exceptional member service. Beyond my role at Synergy Credit Union, my motivation extends to community service, aiming to make our community a better place to raise a family.
I'm dedicated to your financial success, and that means never pushing unnecessary products or services. Your well-being is my top priority, and I'm committed to delivering personalized solutions that align with your specific goals. With expertise in Commercial/Business Banking, I'm here to provide the support and guidance you need to achieve your financial goals. I look forward to collaborating with you and being a valuable part of your financial journey.
Turning Business Dreams into Reality: Victor Zarowny's Synergy Credit Union Story
Victor (Vic) Zarowny, the proud owner of Tasty K’s, a thriving Donair restaurant he acquired just over a year ago, has a unique and inspiring journey to share. Specializing in homemade soups, stews, salads, and desserts, Tasty K’s is more than just a culinary haven; it's a testament to Vic's resilience and the unwavering support he found in Synergy Credit Union.
Vic’s story:
"Thirteen years ago, while exploring the idea of starting a grocery store, I faced rejection from another bank. Despite presenting my business plan and financials, they doubted its viability and declined to support me. Undeterred, my passion for the restaurant business led me to discover a potential opportunity.
I contacted Synergy Credit Union online, and their financial experts showed interest in my proposal. Choosing to take a chance on me, they provided valuable advice, assisted with my will, and maintained constant communication, always addressing my concerns promptly.
Having previously worked with Synergy in various ventures, I appreciated the personalized, one-on-one approach. Their involvement extended beyond financial matters; during the grocery store's one-year anniversary, they joined me in flipping burgers and contributed prizes. Regular check-ins and a familial atmosphere set them apart from my previous banking experiences.
Synergy's belief in me and their unwavering support played a crucial role in the success of my businesses. Without them, overcoming the setback from my lifelong bank would have been improbable. I owe my current position to Synergy, where I am not just a number but a recognized individual in a collaborative and supportive financial partnership."
Solutions for Growth and Success
Unlock the full potential of your business or ag operation with our comprehensive range of products, services, and expert advice. Whether you're aiming for growth, efficiency, or success in any aspect, we have everything you need to elevate your operations to the next level.

Business & Ag Account Packs

Business & Ag Loans

Business & Ag Mortgages

Business Credit Cards
Transform the way you manage payroll and payables.
Financial Support for Business Members
What's New?
The CEBA extension eligibility criteria and repayment dates have recently been updated. If you already have a CEBA loan with Synergy Credit Union, it's essential to stay informed about these changes. Be sure to check your email for the most detailed and personalized information regarding your loan.
Explore Further
Please visit https://ceba-cuec.ca/ for additional insights and resources on the Canada Emergency Business Account.
Nuggets of Knowledge
Owning a business comes with challenges, but we're here to help you succeed. Our resources provide valuable insights, practical tips, and expert advice to navigate entrepreneurship and achieve your goals.

Unlocking Your Business's Potential

Scaling Up for Success

Securing the Future

Ensuring a Golden Retirement
Inspired by our Members
We are delighted to highlight some of the incredible businesses and farmers that make our communities flourish. At Synergy Credit Union, we are committed to supporting local economies, and we take pride in being inspired by our members' dedication and hard work. Through this spotlight, we hope to shine a light on the incredible impact that our members have on the communities we serve.

Fourth Meridian Farms

Southern Spur Ltd.

Moore Family Farm

4th Meridian Brewing Co.

Fourth Meridian Farms

Southern Spur Ltd.

Moore Family Farm
