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Sandhills Credit Union Providing Excellence in Financial Services that Enrich our Community
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Credit Union Central of Saskatchewan
Credit Union Central of Saskatchewan

Sandhills Insurance

Town of Leader
Town of Leader


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 Graduate Account:

  • 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:

  • 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 in review

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 think.

Facebook collects an inordinate amount of data about its users, including (but not limited to):

  • your contact information
  • the contact information of your Facebook friends
  • 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:

  1. Log in to Facebook and click on the downward-facing triangle in the upperright.
  2. From the drop-down menu, select “Settings.”
  3. In the “General Account Settings” screen, click on the link that reads “Download a copy of your Facebook data.”
  4. On the “Download Your Information” screen, select the data you’d like to download and then click “Create File.” This will begin the process.
  5. 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:

  1. Sign in to your Google account.
  2. Click on your profile picture and then click on the blue “My Account” button from the drop-down menu.
  3. 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 phone).

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. Consider:

  • 45% of Canadians are unlikely to read privacy statements.
  • 69% don’t change their passwords regularly.
  • 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 seriously. Read our privacy policy here.


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 number.
  • Don’t write your PIN on your card.
  • When you use your card, don’t let it out of your sight.
  • 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 it.
  • 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 many believe.

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 expenses.


2017 Sandhills Credit Union Financial Statements

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


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