How to increase your return

You can earn bonus dividends with just one qualifying product, such as a checking account, a mortgage, a car loan or a credit card; but if you grow your financial relationships with us, you're contributing to our collective success — which means you'll have more opportunities to earn higher cash dividends.

Below are estimates of how much you could have earned in 2023 as an Earn Your Return bonus dividend by using our products and services. The more you participate with us, and the better we perform together, the more opportunities you'll have to earn higher bonus dividends. Estimates are based on the average monthly account balances from January through December.

Credit Cards

Choose from three credit card options — all featuring unique benefits and no annual fees.
Great Benefits

Explore qualifying products and earn higher bonus dividends

Open a Credit Card

Jan 18, 2024, 12:41
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While it is the intent of Nusenda Credit Union to pay an Earn Your Return bonus dividend every year, the program is subject to cancellation or change at any time, without notice. The Earn Your Return bonus dividend amount, when paid, is dependent on Nusenda Credit Union's financial performance and is not guaranteed. The Earn Your Return bonus dividends are based on annual average yearly qualifying loan and deposit balances. Investment Services investment accounts and Student Loans are not eligible for Earn Your Return bonus dividends. To receive the bonus dividend, you must meet all eligibility criteria (minimum average relationship based upon age,* as well as a $100 yearly average deposit account balance) and be a member in good standing on the deposit date in January. When paid, the Earn Your Return bonus dividends will be deposited into qualifying members' savings accounts in January. Maximum amount paid to any one member will be $1,000. For more information visit

* The age criterion is determined by a person's age as of Dec. 31. Minimum dividend amount is $25 for members over 18. Qualifying members 17 and younger will receive a minimum of $10.