WINcentive® Savings Accounts

You may be a lucky winner too when you open a WINcentive account! WINcentive® Savings is a savings account that offers you the chance to win cash prizes from a statewide drawing.

WINcentive® Savings offers prize drawing entries in return for each time you increase your month-over-month savings balance by $25 (up to 4 entries per month)*. Prize drawings occur monthly, quarterly and annually – so the more you save, the more chances you have to win! You could even end up winning the grand prize of $5,000! In addition to the statewide drawings, MMFCU also offers a $100 quarterly drawing and a $50 monthly drawings exclusively for our members! Click for 2025 Statewide Prize Drawing Schedule.

The WINcentive® Savings account at Mid Minnesota is designed to help members improve money habits in a whole new way that actually makes saving FUN! Feel rewarded by watching your savings grow, and experience the excitement of the prize drawings. And, unlike playing the lottery, nothing is lost with WINcentive® Savings. All of the money deposited into your account, plus interest, is yours!

Whether you’re a Wall Street investor or a rainy day saver, Mid Minnesota Federal Credit Union provides a variety of ways to save. All credit union savings accounts provided by Mid Minnesota are insured by the National Credit Union Administration (NCUA), an agency of the federal government, for up to $250,000.