Learn more about a Calgary Co-op membership today.
Learn all the benefits of a Co-op Membership
Every time you shop at Co-op, you’re earning towards an annual member refund of equity and cash back, depending on your spend.
* Some exclusions apply.
A co-op is a different kind of business in that it shares its profits with its members. So, by shopping at Co-op, you’re putting money back in your own account.
When you fuel up at our gas bars, you will earn 2¢/litre that can instantly be used to save on your food purchases; or, you can donate your savings to the Co-op Community Foundation.
When you shop at Co-op for food; fuel; prescriptions; home health care; and wine, spirits and beer, you receive a much larger refund at the end of the year—all for a small, one-time investment.
When you become a part of one of the largest retail co-operatives in North America, you can vote in the Director Election, run for the Board of Directors and attend our Annual Meeting.
As a member, you are eligible for a discounted group rate at Johnson Insurance, a 2% future travel credit+ at Marlin Travel, and discounted tickets with our local partners.
+ Min $500 annual purchase, prior to taxes.
Calgary Co-op is owned by its members and keeps its profits in Alberta by sharing the profits with its members. You’re also supporting over 110 local growers and producers by shopping at Co-op.
When you shop at Co-op, you receive grocery carry-out at our food stores, full-service at self-serve prices at our gas bars, expert advice from sommeliers at our wine, spirits and beer locations, and free prescription delivery from our pharmacies.
As a Co-op member, you’re also supporting your community. Last year, through the Co-op Community Foundation and community initiatives, we invested over $3.9 million into local food poverty reduction programs, youth, education, and preventative health and wellness. We also diverted 6,776 tonnes of waste in the same year, saving 70,822 trees and 2,341 cubic yards of landfill space. We’re proud to contribute to the communities we operate in and share that pride with our members.
Additionally, when you shop with your recyclable bags, you can choose to either receive a 3¢ credit against your purchase or donate it to the Co-op Community Foundation.
Be sure to keep your information up-to-date so we know where to send important information and your annual refund.
I just received a T4A in the mail. Why did I receive this and what should I do with it?
T4As are mailed in January each year to members who received a member refund in excess of $100.00 the previous year. The total on the T4A will not match the cheque you received last year as it includes both the cash and share equity you earned.
Calgary Co-op is required to report all member refunds paid in excess of $100.00 and to withhold 15% of the amount earned over $100.00 and remit it to the Canada Revenue Agency. Member Refunds are not necessarily taxable. Member Refunds earned on consumer goods (i.e. groceries, household items, gasoline for private car use) are not subject to tax. You are entitled to claim the tax withheld, as outlined on your T4A, as a credit when you file your personal income tax (write on the face of your T4A 'Consumer Goods Only'). For information on how to record this information on your tax return, please refer to the back of your T4A.
Please look for your cheque on your 2016 purchases at the beginning of March. This T4A will follow in February 2018.
When will I receive my cheque for my purchases this past year?
We send the Annual Member Refund to members in early March of each year. Each year's refund will also contain the voting ballot for the Director Election of that year.
Why does the cheque that I just received not match the T4A that I received in February?
The T4A that you received in February is for the Patronage Return you received in February 2016, not for the cheque you just received. If there was withholding tax taken off the cheque you just received, you will receive a corresponding T4A for this by February 2018.
I have moved. Where is my cheque going to/did it go to?
Cheques were mailed to the address we had on file as of January 26. If that is not your current address, please update it above and your cheque will be forwarded once it is returned by Canada Post. If you do not receive your cheque by the beginning of April, please contact us and we will issue a stop payment.
Is my spouse allowed to cash my refund cheque?
The cheque can only be cashed by the member whose name is on the cheque. In order to cash a cheque, the member must make a purchase of any amount and use the cheque as tender at the till.
Do all my purchases count towards my annual return?
All purchases at Calgary Co-op food; fuel; wine, spirits, beer; pharmacy; and home health care locations count towards your return, with the exception of:
I shop at a Co-op outside of Calgary. Do those purchases count towards my annual return?
Calgary Co-op includes Airdrie, High River, Okotoks, and Strathmore. Other Co-operatives are operated separately and therefore do not count towards your return with Calgary Co-op.
How is a co-op different than other businesses?
In a co-op, earnings are distributed to members based on their purchases during the year, as well as their equity balance.
A different purpose.
The main purpose of a co-op is to provide benefits to its members.
The main purpose of a private or public business is to maximize returns for shareholders.
A different control structure.
Members of a co-op each own only one share. In a private or public business, one, or a few shareholders, can own all, or a majority, of shares and may override the wishes of smaller shareholders. This cannot happen in a co-op because each member has only one share and one vote.
A different distribution of earnings.
In a co-op, earnings are distributed to members based on their purchases during the year. In private or public business, earnings are paid to shareholders based on the number of shares held. In a co-op, earnings are widely distributed based on member purchases. In private or public business, all, or most, of the earnings can end up with a few, or even one, shareholder.
Who owns the co-op?
Co-ops are locally owned by its members.