Bill Payments over $10,000.00 on MemberDirect Online Service
If you make a bill payment on MemberDirect online service for more than $10,000.00 please contact the branch at 306-628-3687 and let them know that the payment has been made. This ensures that the payment will be processed in a timely manner.
Congratulations to our 2018 Leader Composite Graduates
Sandhills Credit Union board and staff wish you all the best in your future endeavors.
Benefits of the Graduate Account
Students aged 19-25 enrolled in a recognized post-secondary education
program can take advantage of our
- no service charges
- interest calculated daily
- ATM access/Direct payment with CU
- free ATM transaction (excluding transactions on Interac and Cirrus networks)
- one free order of basic cheques
- monthly statement/imaged cheques
- revolving line of credit up to $500 (credit approval required)
- free MemberDirect internet banking access
Benefits of the Graduate Account:
- Receive post-secondary assistance.
- Get up to 12 months’ grace period after
graduation before starting repayment.
- Direct Payment available at thousands
of retail outlets across Canada.
- Account access and interest earned on
your money all at the same time.
- The line of credit provides overdraft protection.
Credit card provider change
Sandhills Credit Union will be changing credit card providers in
the next few months. We currently
provide members with a suite of credit
card products from CUETS. Our new
provider Collabria will provide a similar
suite of products. Watch for more
information closer to the transition date.
Membership pays at the Sandhills Credit Union
Since 2003 Sandhills Credit Union has allocated more than $1.6 million in patronage payments to its members.
Sandhills Patronage Allocations
2017: The year
Sandhills Credit Union remains
committed to supporting Leader and
surrounding communities with
sponsorship, donations and volunteer
time. Below are the donations for 2017.
- Dr. Noble Irwin Foundation $50,000
- Leader Composite School Grad Award $2,500
- Leader & District Arts Council $1,000
- Co Op Classic Golf Tournament $1,000
- Leader Badminton Club $1,000
- Skate Canada $1,000
- Leader Arts Council Presents Shaun Booth at LCS $900
- Sportsman's Dinner Auction $500
- Leader Library Summer Reading Program $500
- Leader Dance Competition $500
- Bicycle Rodeo $300
- Southwest Growing Project $250
- Sceptre Ladies Night Out $120
- Leader Figure Skating Club $100
- Leader Minor Hockey $100
- Leader School Student of the Month $75
- National Denim Day $60
- Child Find Saskatchewan $50
- Leader Western Senior Citizen's Home $50
- Great Sandhills Wildlife $25
Total - $60,030
Concerned about what Facebook knows about you? There’s an easy way to find out
Facebook came under fire earlier this year for sharing users’ data with
Cambridge Analytica, the firm U.S.
President Donald Trump hired during his
2016 election campaign. This cast a new
light on just how much of your personal
information may not be as private as you
Facebook collects an inordinate amount of
data about its users, including (but not
- your contact information
- the contact information of your
- the contents of every message you’ve
sent via Facebook
- any ads you may have clicked on
- any photos or videos you’ve posted
What’s more, if you use an Android phone, Facebook may also have been tracking
your phone calls and text messages.
Needless to say, the sheer volume of information Facebook has about its users has raised more than a few eyebrows. If you’re a Facebook user and you’re concerned about (or just interested in) what data Facebook has about you, there’s a simple way to download all of it, directly from Facebook itself.
To do so, just follow these steps:
- Log in to Facebook and click on the downward-facing triangle in the upperright.
- From the drop-down menu, select “Settings.”
- In the “General Account Settings” screen,
click on the link that reads “Download a
copy of your Facebook data.”
- On the “Download Your Information” screen, select the data you’d like to
download and then click “Create File.” This will begin the process.
- Once complete, you’ll receive a
Facebook notification that information is ready to be downloaded. Click on the“Download” button to see exactly what
information Facebook has about you.
Facebook isn’t the only application gathering data on you
Facebook isn’t the only company
storing data about you. If you have
a Google account, a Gmail address
or an Android phone, Google is tracking
you too. In fact, Google may be going a
step further by logging not only your
browsing and search history but also:
- your location
- the places you visit
- even how and when you moved from one location to the next (see screenshot)
Fortunately, there’s a way to see exactly what data Google has collected about you,
too. Here’s how:
- Sign in to your Google account.
- Click on your profile picture and then click on the blue “My Account” button from the drop-down menu.
- Under “Personal info & privacy,” click on “My Activity.” This will take you to a
bundled view of your Google activity,
including sites visited, searches and
apps used (if you use an Android
If you click on “Other Google activity” from
the left-hand menu, you can see additional
data like a timeline in Google Maps that
displays your location history. You can also
delete your activity data from the “My
Activity” screen if you’d like.
Your data and privacy are important to you, but are you taking steps to safeguard them?
Concerns about how much data
companies like Facebook and
Google collect about us and the
third parties they might share that
information with are widespread among
Canadians. According to the EMC Privacy
Index, which examines privacy
perceptions of consumers around the
world, 92% of Canadians think there
should be laws to prohibit companies from
buying and selling data without ‘opt-in’ consent.
And though we aren’t confident in
organizations keeping our data safe, the
EMC Privacy Index found, we don’t take
the necessary steps to protect it ourselves.
- 45% of Canadians are unlikely to read
- 69% don’t change their passwords
- 42% don’t have password protection on
their mobile devices.
- 32% don’t customize the privacy
settings on social networks.
The message is clear: if we want to protect
our own privacy, we need to take action.
Change your passwords, password-protect
your phone and log in to Facebook,
Twitter, Google and other apps to take a
close look at your privacy settings.
Your credit union & your privacy
Our credit union takes your privacy
Protect your debit and credit cards
Follow these helpful tips to keep your cards safe:
- Never leave your cards unattended.
- Don’t lend out your card or your PIN
- Don’t write your PIN on your card.
- When you use your card, don’t let it out of
- Never give your card number over the
phone or the internet unless you know
you’re dealing with a reputable company. A reputable company will not phone you
or ask you for your card number.
- Treat your cards like cash.
- If you think your PIN on your CHIP card
has been compromised, go to the ATM
and change the PIN number. Enter your
existing PIN and select more to change
- If your card is lost or stolen report it to the branch right away.
How are mortgage rates set?
After years at or near historic lows, interest rates have started to rise
over the past year. That’s great
news if you’re a saver, but what does that
mean for mortgage rates?
If you’re in the market for a mortgage or
considering renewing your mortgage, you
may be interested to know how the Bank
of Canada rate affects mortgage rates.
Lending rates may sometimes coincide
with central bank rates. However, the
reality is that most mortgage rates— particularly locked-in longer-term rates— are dictated primarily by rates in the bond
markets, not the central banks’ rates as
Mortgage rates often drop or increase
without movement at the central banks. In
fact, mortgage rates often lead the way, up
or down, for central bank rates. In that
sense, mortgage rates provide a more
sensitive indicator of where interest rates
are headed generally. Bond rates also
generally dictate longer-term GIC rates.
To ensure that we offer the best value to
members on both sides of equation, we do
our best to offer competitive GIC rates and
charge competitive mortgage rates. The
spread, or difference between the two
rates, is used to recover operating
2017 Sandhills Credit Union Financial Statements
Independent Auditors' Report and Consolidated Financial Statements
December 31, 2017 ( PDF)