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Credit Union Central of Saskatchewan
Credit Union Central of Saskatchewan

Sandhills Insurance

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News    

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.

 

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2017 Sandhills Credit Union Financial Statements

Independent Auditors' Report and Consolidated Financial Statements December 31, 2017 ( PDF)

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Congratulations to our December Santa Cash winners

  • Brad Miller
  • Angela Tetlock
  • Annette Hoffman
  • Ross Vollmin
  • Rose Cote
  • Vic Wagman
  • Jana Walker
  • Inna Yefimenko

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Congratulations to our 2018 Leader Composite Graduates

Sandhills Credit Union board and staff wish you all the best in your future endeavors.

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Benefits of the Graduate Account

The Graduate account is for students aged 19-25 enrolled in a recognized post-secondary education program.

Take advantage of:

  • no service charges
  • interest calculated daily
  • ATM access/Direct payment with CU Membercard
  • 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:

  • Get help paying for your post-secondary education.
  • Take up to 12 months grace period between completing your schooling and 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.

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Student scholarship available

Each year Sandhills Credit Union grants a $2,500 scholarship to a student beginning post-secondary schooling. This award seeks to recognize the commitment of young adults and emphasize the importance of supporting their contributions to our community.

This scholarship is not a prize for benchmark achievement; it’s an investment in the development of an exceptional individual intent on pursuing a long, productive career - someone whose future accomplishments will benefit their community. For more information, please come in and see us.

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Three tips for maximizing your student tax return

1. Claim your transit passes

The federal government has eliminated the Public Transit Tax Credit, a 15% non-refundable credit for transit passes, but you can still claim monthly or annual passes purchased between Jan 1, 2017 and June 30, 2017.

2.Education and textbook tax credits

The federal government eliminated the tuition and education tax credits effective January 1, 2017. This does not eliminate the tuition tax credit or your ability to carry forward unused education and textbook credit amounts from prior years.

Provincial governments have made similar changes. In Saskatchewan, you can still deduct tuition fees for the first half of the year.

3.It’s worth it to file (even if you have little or no income to report)

You may be eligible for certain credits including the GST/HST credit, the Canada Child Tax Benefit or other supports for low income earners, even if you have little or no income to report this year. You won’t receive these credits unless you file your return.

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Tax-Free Savings Accounts: another tool in your savings toolbox

Shelter your hard-earned money with a Tax-Free Savings Account (TFSA) - A versatile way to build your savings.

Having the right tools makes all the difference, and when it comes to savings, a Tax Free Savings Account (TFSA) is a good one. TFSAs are incredibly versatile and offer many benefits.

Your money grows tax-free. Unlike other types of registered savings plans, TFSA contributions don’t earn you a tax deduction. However, the investments inside the plan can earn returns without being taxed. This can help build your savings faster.

You don’t need a traditional income to use it. Your contribution room (it’s $5,500 this year, but unused room accumulates) isn’t determined by your income. That makes it a great option for students, seniors, and the self-employed.

You won’t be dinged when it’s time to withdraw. You can withdraw your money anytime without worrying about paying tax on your original contribution — or the returns you’ve earned inside the plan! And, because withdrawing funds isn’t as simple as hitting the ATM, you have a little buffer between you and your hard-earned savings.

It’s a flexible way to save.While you can use your TFSA to save for long-term goals like retirement, it’s also well-suited for shorter-term savings goals like buying a car, saving for a down payment on a house, or even going on a big trip.

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Alert your loved ones to possible scam

The worst frauds prey on our emotions and vulnerabilities, like the ‘grandson in a bind’ scam. Don’t be a victim. Educate yourself and your loved ones by visiting the Canadian Anti-fraud Centre online.

You’re on vacation or away on business. You might even be in town. But your mother or grandfather doesn’t know that when they get a call from a number they don’t recognize. A voice on the other end identifies itself as a doctor, policeman or lawyer, and says you’ve been in a car accident. It was your fault. Or you’ve been arrested, or done something worse. Whatever it is, it’s bad and you’re in big trouble.

Your father or grandmother hears background noise. It does sound like a busy hospital or police station. They panic, of course. All they can think about is your distress. They want to speak with you but the voice says you can’t come to the phone because you’re about to be wheeled into surgery, or you’re in the back seat of a cruiser or in a jail cell. The voice can feel the distress on the other end of the line, then offers a way out.

All your parent or grandparent needs to do, as quickly as possible and without talking to anyone, is go out and buy thousands of dollars’ worth of iTunes or some other gift ards, then phone back with the serial numbers, and your problem goes away. You’ll be home safe and sound in no time.

This scam happens every single day to intelligent, careful people who never thought they’d fall for something like that in a million years. But all reason flies out the window when it’s a loved one in trouble. Tell your loved ones that if they ever get a call like this, they should tell the voice they’re going to confirm your whereabouts first, and that they can call back in a few minutes. The voice won’t be calling back. Then call the Canadian Anti- Fraud Centre at 1-888-495-8501.

For more on this and other scams, visit antifraudcentre-centreantifraude.ca.

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March is Fraud Prevention Month

Every year, Canadians lose millions of dollars to imaginative and manipulative scammers who bombard us with mail, door-to-door, online and telephone scams. Fraud Prevention Month is designed to prevent Canadians from falling victim to fraud by helping them recognize, reject and report it.

Remember these Golden Rules to keep yourself safe:

  • There are no guaranteed get rich quick schemes. Sometimes the only people that make money are the scammers.
  • Never agree to offers or deals right away. If you think you’ve spotted a great opportunity, insist on time to learn more.
  • Never hand over money or personal information, or sign anything until you’ve done some research and checked out the company you’re dealing with.
  • Don’t rely on glowing testimonials; find solid evidence of a company’s success.
  • Log directly onto the website you’re interested in rather than clicking on links provided in an email.
  • Never send money, or give credit card or online account details to anyone you don’t know and trust.
  • If you spot a scam or have been scammed, get help.
  • Check your statements when you receive them. If you suspect anything, contact your financial institution immediately.
  • If you lose your card(s), contact your financial institution immediately so that your card(s) can be cancelled.

Tips to Protect Yourself

Protect your identity

  • Give out personal information only when necessary and only if you trust the person asking for the information.
  • Destroy personal information, don’t just throw it away. Cut up or shred papers showing any account information, such as credit card statements, utility bills or bank cards.
  • Treat your personal information like money; don’t leave it laying around.

Money matters

  • Never send money to anyone you don’t know or trust.
  • Never send money or pay a fee to claim a prize.
  • Avoid transferring or wiring funds or overpayments back to anyone you don’t know.

Telephone business

  • If you receive a call from someone you don’t know, always ask for their name and company. Verify this by calling the company yourself.
  • Never give out your personal, credit card or online account details over the phone unless you made the call and the phone number came from a trusted source.
  • It’s best not to respond to text messages or missed calls from numbers you don’t recognize. Be aware of numbers starting with 1- 900. These may be charged at a higher rate than other numbers and can be very expensive.

Smart internet usage

  • Install software that protects your computer from viruses and unwanted programs and be sure to keep it current.
  • If you want to visit a website, type the address into the browser, never follow a link in an email.
  • Check website addresses carefully. Fraudsters set up fake websites with addresses that are similar to legitimate websites. Avoid clicking on pop-up ads, this could lead to harmful programs on your computer or unwanted subscriptions.
  • Never enter your personal or credit card information on a website you’re not sure is legitimate.
  • Never send your personal, credit card information or online banking details through an email.
  • If you need to use public computers, clear the history and cache of the computer when you finish your session.
  • Choose passwords that would be difficult for someone to guess and change them regularly.
  • When buying things online, print out copies of transactions and pay only via secure site.

 

 

 

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