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