Good karma doesn’t get any cooler.
Since 1996, we’ve returned more than $5.8 million in earnings to our members’ Patronage Rewards accounts. Cheers.
See My Balance*Requires logging in to E-Branch
What’s all the excitement about? Every January, we celebrate our success by returning the prior year’s earnings to our members in the form of a Patronage Reward. Rewards are calculated on the amounts you save and borrow and credited annually at year-end to your special Patronage Rewards account. There, the funds earn an eye-popping 10% APY* and are free for you to withdraw at any point. After all, what goes around comes around.
Pay it forward with the
Patronage Reward
Giving Program.
We know how good it feels to give back, so we’ve made it easy for members to transfer any amount currently held in their Patronage Reward account to any designated Community Advantage non-profit organization in the form of a donation. The organization can then choose to utilize the funds immediately or leave them to grow in their own Patronage Reward account.
Participating Organizations
After Prom Committee
Baptism River Community Church
Bay Area Vineyard Church
Birch Grove Community School
Center for Emerging Leadership
City of Silver Bay Library
Coldwater Foundation
Cook County Higher Education
Cook County Local Energy Project
Cook County Tennis Association
Cook County Whole Foods Co-op
Evangelical Free Church
Faith Evangelical Lutheran Church
Finland Fire Relief Association
Finland Minnesota Historical Society
Friends of the Finland Community
Gitchi Gami Trail Association
Grand Marais Art Colony
Great Expectations School
Kids Plus Foundation
Lake County Rescue Finland
Lake Superior Community Theatre
Lutsen Trailbreakers
North Shore Voices
Sawtooth Mountain Cemetery Association
Silver Bay Bay Days
Silver Bay Blue Line Club
Silver Bay Area Tourism Association
Silver Bay PTSO
Silver Trail Riders
United Protestant Church
Unity in Christ Church
Wolf Ridge Environmental Learning Center
Zion Lutheran Church
Baptism River Community Church
Bay Area Vineyard Church
Birch Grove Community School
Center for Emerging Leadership
City of Silver Bay Library
Coldwater Foundation
Cook County Higher Education
Cook County Local Energy Project
Cook County Tennis Association
Cook County Whole Foods Co-op
Evangelical Free Church
Faith Evangelical Lutheran Church
Finland Fire Relief Association
Finland Minnesota Historical Society
Friends of the Finland Community
Gitchi Gami Trail Association
Grand Marais Art Colony
Great Expectations School
Kids Plus Foundation
Lake County Rescue Finland
Lake Superior Community Theatre
Lutsen Trailbreakers
North Shore Voices
Sawtooth Mountain Cemetery Association
Silver Bay Bay Days
Silver Bay Blue Line Club
Silver Bay Area Tourism Association
Silver Bay PTSO
Silver Trail Riders
United Protestant Church
Unity in Christ Church
Wolf Ridge Environmental Learning Center
Zion Lutheran Church