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.
2017 Sandhills Credit Union Financial Statements
Independent Auditors' Report and Consolidated Financial Statements
December 31, 2017 ( PDF)
Congratulations to our December Santa Cash winners
- Brad Miller
- Angela Tetlock
- Annette Hoffman
- Ross Vollmin
- Rose Cote
- Vic Wagman
- Jana Walker
- Inna Yefimenko
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
The Graduate account is for students aged 19-25 enrolled in a recognized post-secondary
Take advantage of:
- 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:
- Get help paying for your post-secondary
- 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.
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.
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
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
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.
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
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
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.
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
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.
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.
- 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.
- 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.