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Life is full of opportunities — including this account that reinforces saving habits while giving you a chance to win cash.

Key Features

  • Chance to Win $100 Monthly
  • Chance to Win $1,000 Quarterly
  • Chance to Win 5,000 Annually
  • Free savings account offered exclusively to Montana Credit Union members*
  • Every $25 saved enters you into a statewide cash prize drawing
    • Maximum of 4 entries per month!
  • No monthly service fees
  • $10 fee for early withdrawal before 12-month savings period is over
    • $25 for second withdrawal
  • Must be a Montana resident, at least 18 years of age
  • Must have a yearlong commitment to saving money
  • Monthly drawings on the 15th of each month (for the previous month)
  • One account available per person
  • Free digital banking services
  • Free telephone banking
  • $5 minimum deposit to open


  • Statewide prizes are awarded monthly (4 prizes for $100 each), quarterly (1 prize for $1,000), and 1 yearly grand prize of $5,000!
  • In addition, we will be holding drawings just for Montana Credit Union members. We will have one Montana Credit Union winner each month ($100 prize), each quarter ($250 prize), and one annual prize winner of $500!  

Open your WINcentive Savings at your nearest branch today!

*You must be a Montana resident, be 18 years of age or older, and in good standing with the credit union to be eligible for a WINcentive Savings account. Children/minors are not eligible for a WINcentive Savings account. Only one WINcentive Savings account per social security number at Montana Credit Union. You must come in to a branch to open this account. Monthly drawings occur around the 15th of each month for the previous month's entries, and we will notify you after the drawing if you are a winner.

This is a free account, with no monthly service fees. There are fees for any early withdrawals before the 12 month savings period is over ($10 for first withdrawal, $25 for second withdrawal). Please speak with a member services representative for more details.