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Why Prize Linked Savings

Nationwide, credit union members have saved over $75 million with 107 credit unions in 9 states by offering WINcentive® or a Prize Linked Savings account administered by the Minnesota Credit Union Network.

This program can address lack of savings and financial security among credit union members. According to a survey, more than half of Americans (51% percent) have less than three month’s in emergency savings.

Saving money can be hard, that is why Prize Linked Savings (PLS) makes it easier – and fun! PLS incentivizes consumers to save by offering risk-free chances to win prizes.

According to an ongoing survey* of members upon opening their PLS account…

WINcentive is Motivating Members to Save Regularly

Prize Linked Savings is attracting many credit union members to their first ever, highly committed savings product.

Thirty-three percent of respondents said that they did not save regularly prior to opening their WINcentive account. When asked how often they save in their WINcentive account now, 57% of those respondents said that they save a fixed amount regularly and 35% said they sometimes save when there’s something left. This suggests that many members who were not saving regularly prior to opening a WINcentive account are now doing so.

In addition, of the 67% of respondents who said they did save regularly prior to opening a WINcentive account, nearly half (48%) had only been saving sporadically through the month or whenever they had money left. Since opening a WINcentive account, 65% said they are currently saving a fixed amount regularly every month.

Members are Motivated by the Chance to Win Prizes Regardless of Whether they Have Won a Prize or Not

Even members who have not been selected as a winner are still motivated to save by the chance to win money; they are also satisfied with the WINcentive account, and are very likely to recommend the account. Eighty-five percent of members agree or strongly agree that they save money because of the potential to win a prize, even though 60% of the respondents have not yet been selected as a winner.

* A Commonwealth survey administered to WINcentive® account holders by their respective credit union.


Why Partner with Minnesota’s PLS Program?

By partnering with us for a prize linked savings program, you have options!

Safe, Sound and Secure

Minnesota’s PLS utilizes secure, proprietary file transfer and security framework. Our PLS platform provides technology management including prize drawing administration, reporting, and technical support for participating credit unions. Currently, participating credit unions use more than nine different core data processors operating systems.

Customize your PLS program:

Your investment in the Minnesota’s Prize Linked Savings platform provides access to a fully developed program that is easy to implement, including:

  • Access to a state-wide prize pool
  • A fully developed savings product unique to credit unions that has been developed with the expertise of the national financial capability think-tank, Common Wealth
  • Access to MnCUN’s secure, propriety software program, TruLync® that collects credit union data, applies a sophisticated random generator for prize winner selection, and creates and tracks winners through report generation
  • Personalized training for frontline staff

The Minnesota Credit Union Network administers customized prize-linked savings programs in Louisiana, Ohio, New York, and Wisconsin.

By partnering with us for a prize linked savings program, you have options!

WINcentive Savings® is an out of the box, fully branded and easy to implement program. Or, you have the option to customize your own Prize Linked Savings program using our technology platform, marketing and compliance support. With either option, MnCUN will conduct prize drawings on your behalf utilizing our proprietary technology solution.

WINcentive Savings

WINcentive Savings was developed in partnership with Commonwealth, an organization that researches and creates innovative solutions that make people financially secure.

In addition, the Minnesota Credit Union Network formed a collaborative working group representing 12 credit unions to design a prize-linked savings product tailored for members.

WINcentive is an out-of-the box and easy to implement savings program. You will receive implementation and best practice information, training for frontline staff, a CUNA Diamond Award winning marketing toolkit and compliance documents. All resources have been developed to be customizable to your credit union and membership, including.

The Minnesota Credit Union Network administers WINcentive Savings for 22 credit unions in Minnesota, plus credit unions in Montana, Massachusetts, Delaware and Georgia.

How to Partner with Us

For interested credit unions in Minnesota, contact Minnesota Credit Union Network by sending an email to or by phone at 651-288-5170.

For credit unions and programs outside of Minnesota, contact Minnesota Credit Union Network Director of Business Development Kris Jacobsen by email at, or by phone at 651-288-5515 for additional information.

Info Center Login

Existing  WINcentive/PLS user can log into the Info Center.

States with Prize Linked Savings Legislation

Contact Minnesota Credit Union Network Director of Business Development Kris Jacobsen by email at, or by phone at 651-288-5515 for additional information.