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.
Scholarships awarded to Leader
Composite School students
This year Sandhills Credit Union
awarded two $1,500 scholarships
to Leader Composite School
students beginning post-secondary
education. 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 is an investment in the
development of an exceptional individual
who is intent on pursuing a long,
productive career – someone whose
future accomplishments will benefit their
We’ll be closed for the following holidays:
Monday, October 8 - Thanksgiving Day
Monday, November 12 - Remembrance
Celebrate Credit Union Day with
Come to the branch for coffee and donuts
Thursday, October 18.
Join us as we celebrate International Credit Union Day!
Each year, on the third Thursday of October, credit union employees,
directors and members come
together to celebrate International Credit
Union Day (ICU Day). The day is a chance
for those associated with the credit union
movement around the world to pause for
a moment and recognize the growth and
success of financial co-operatives.
This year, ICU Day lands on Thursday,
October 18. Credit union members from
more than 100 countries will mark the
occasion by reflecting on the movement’s
history, its achievements and the hard
work that went into making credit unions
the success they’ve become.
Many reasons to celebrate Credit Union Day in SK
Credit unions are more popular
here in Saskatchewan than
almost anywhere else in the
International Credit Union Day has
special meaning here in
Saskatchewan, where the credit union
movement is more popular than almost
anywhere else in the country.
For decades, Saskatchewan has continued
to embrace the idea of democratically
controlled, member-owned financial cooperatives.
As a result, 476,000
Saskatchewanians now call themselves
credit union members. Just like you,
they’ve seen the value in belonging to a
co-operative financial institution where
the decisions are made by memberowners
right here in our province, not by
shareholders whose primary motivation is
Saskatchewan’s 44 credit unions serve
their members by providing highly
competitive products and services. We also
give back to our communities in very
tangible ways. Each year, the province’s
credit unions show support for our
communities through sponsorships,
donations, scholarships and volunteering
(Saskatchewan credit unions provided $7.3
million in donations, sponsorships and
scholarships in 2016).
The employees and directors of your credit
union live in your community – they’re
your friends and neighbours. Your
concerns are their concerns and because
you have a vote in the direction of the
credit union, you share the same interests.
That spirit of co-operation is part of what
makes being a credit union member so
special, and one of the many reasons
Saskatchewan take time to celebrate ICU
2018 marks 70th anniversary of Credit Union Day
Credit Union Day dates back to
1948. This year we celebrate ICU
Day’s 70th anniversary!
Thursday, October 18, 2018 will mark
the 70th anniversary of
Inte rnational Credit Union Day.
Back in 1948, the U.S. Credit Union
National Association (CUNA) decided it
was important to acknowledge the
contributions of the credit union
movement and opted to designate the
third Thursday each October as Credit
Throughout the 1950s and 60s, the credit
union movement expanded to more and
more countries and in 1971, the World
Council of Credit Unions Inc. (WOCCU) was
formed to help guide the development of
credit unions around the world. WOCCU
began to promote the idea of Credit Union
Day at the international level and the
celebration eventually grew to become a
Interestingly, the idea of a special day to
honour the credit union movement
actually predates 1948 by more than two
decades. In January 1927, the Credit Union
League of Massachusetts celebrated the
first official holiday for credit union
members and workers. The league
selected January 17 because it was
Benjamin Franklin’s birthday. They felt
Franklin symbolized “the life and teaching
embodied in the spirit and purpose of
The day failed to catch on and soon faded
into obscurity. It wouldn’t be until after
World War II that ICU Day truly became an
annual event. Today, upwards of 200
million credit union members from around
the world celebrate the day with open
houses, picnics, fairs, festivals and
American Express travelers’ cheques no longer issued in Canada
American Express has decided to
stop supplying travelers’ cheques
for sale in Canada. As of August 31
we will no longer be authorized to sell
American Express travellers cheques at any
location in Canada. Although we can no
longer sell them, we can still accept and
Many Canadians say they’re struggling with their finances. If you're one of them, we can help.
Struggling to save money? Getting behind on your bills? Missing payments? We can help. Talk to the credit union today. We have a
wealth of great products and services available to you.
Halloween is just around the corner
and with it will come all the
frights and scares of
neighbourhoods filled with little ghosts
Unfortunately, many Canadians are facing
a reality that’s much more frightening than
the harmless fun of Halloween. Financial
worries are the real monsters lurking in the
shadows for a growing number of people
in this country.
According to a recent Angus Reid Institute
study, a quarter of all Canadians say they
face serious financial hardship. The study
found that one in four people surveyed
report they’ve had to borrow money to
buy groceries. One in five (21 %) said they
can’t afford dental care.
The study asked respondents about 12
financially difficult situations, such as
whether they’ve had to use a food bank or
missed a bill payment. The respondents
were then grouped into four categories,
one of which was labeled “struggling” (those who have experienced at least four
of the 12 situations). Roughly 16% of
Canadians fell into the “struggling” group.
If you’re struggling with your finances,
help is available. Don’t hesitate to contact
us. We have a wide range of products and
services available to help you manage
your money, maximize your savings and
reduce the cost of your debt. Give us a call
today – we’d be happy to help.
Four important financial lessons to tackle as
young people head back to school
It’s never too early to start teaching your kids about money. Financial literacy is just as important as reading, writing and arithmetic.
As summer draws to a close and young people start to head back
to school, now is a good time to
consider some important financial lessons
for kids and parents alike.
- Start saving early – It’s never too early
to get a jump on saving, no matter what
your age. Whether it’s candy, a special
toy or a new video game, teach your
kids the value of delayed gratification by
encouraging them to save for the things
- Teach them about budgeting– Budgeting is a skill many adults struggle
with, so the sooner kids can learn how
to manage expenses, the better. Give
your kids an allowance and explain to
them that once they’ve spent it, it’s gone
until next month. Show them how they
can stretch their dollar to last all month.
- Consider opening an RESP – A
Registered Education Savings Plan
(RESP) is a great way to save for a child’s
post-secondary education. With an RESP,
a parent (or grandparent, spouse or
common law partner) makes
contributions to the plan. Those
contributions are not taxable, so long as
the money stays in the RESP. When it
comes time for the beneficiary of the
plan to begin their post-secondary
education, the accumulated funds can
then be used to help finance their
- Model the right behaviour – Kids learn
by watching, so demonstrate the right
financial behaviours for them.
Encourage saving, show them the family
budget and avoid those impulse
Watch out for faked sender email addresses
Fraudsters can easily fake the “friendly name” in the sender’s
email address. For example, an
email can appear to be from “PayPal Services,” but actually be from
firstname.lastname@example.org. Some email
clients make it hard to see the real name.
But if you mouse over the friendly name or
click “Reply,” you should be able to see the
full email address of the sender.
Sophisticated fraudsters can fake the
entire name to look like a legitimate
sender, so be careful. Though verifying a
correct sender address is important, it’s
not enough. It’s important to look at the
entire email. When you check your
account, always enter "www.PayPal.com" into your browser instead of clicking a link in an email.
How to identify real PayPal
An email from PayPal will:
- Come from paypal.com. Scammers can easily fake the “friendly name,” but it’s
more difficult to fake the full name. A
sender like “PayPal Service
(zxk1942R3@gmail.com)" is not a
message from PayPal. But sophisticated
scammers can sometimes fake the full
name, so look for other clues.
- Address you by your first and last names,
or your business name.
An email from PayPal won't:
- Ask you for sensitive information like
your password, bank account or credit
- Contain any attachments or ask you to
download or install any software.
Bogus links in emails
If there's a link in an email, always check it
before you click. A link could look perfectly
safe like www.paypal.com/SpecialOffers,
but if you move your mouse over the link
you'll see the true destination. If you aren’t
certain, don’t click on the link. Just visiting
a bad website could infect your machine.
If you do click a link in an email, be sure to
review the URL of the site where you land.
It’s easy for bad guys to copy the look of a
legitimate website, so you need to check
that you’re on the correct website.
Automatic debit and credit reminder
The banking world can be summed
up in one word, automatic. Payroll,
utility bills, payments can be
directly credited or debited to an account.
When you give your account information,
please remember to use all 12 digits. This
ensures your information is processed correctly. If the account information is
incorrect, credits and debits will be
returned. If you’re unsure of your full
account number, please call the branch or
come in and we’ll give you a form with the
correct information on it.
2017 Sandhills Credit Union Financial Statements
Independent Auditors' Report and Consolidated Financial Statements
December 31, 2017 ( PDF)