Member Benefits

Encompass Credit Union is a member-owned financial institution where members vote for the board of directors and enjoy the benefits of profit sharing. To become a member, each individual must purchase common shares which then allows them to share in the profits!


Each year, we return a large portion of our profit to the communities we serve:

  • We return profit share to our members through dividends.
  • We enrich our communities through scholarships, grants, donations and sponsorships in the communities we serve. Watch our posters in branch to see the totals grow throughout the year.
  • Community Social Responsibility Investment Program (CSRIP) grants of up to $10,000 each are awarded in February of each year.
  • Three $1,000 scholarships are awarded to our members currently enrolled in post-secondary education.

The profit share program was started in the 1980's and has been very successful. The Board of Directors designed the program to stabilize earnings during fluctuations in the economy or changes in interest rates and as a means to most effectively distribute surplus to the members. The Board of Directors examines the profit, the amount before taxes and allocations, and determines how much can be distributed to the membership. Each member receives a different amount depending on the number of common shares they have.

For more information about Common Shares, take a look at our Common Shares Disclosure document.



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