Your 2025 Patronage (cash and equity) is displayed in your Member Earnings bubble. On January 15, 2026, the cash portion of your 2025 Patronage Return will move into your Bonus Cash Bubble, and can be redeemed in Food stores, Wine Spirits Beer stores, and convenience stores, on fuel and car wash purchases and at Home Health Care locations. Patronage earnings accumulate throughout the year and are displayed in your Member Earnings bubble.

Your T4A will be available in your online account on January 5, 2026, and your 2025 Share Ownership Statement will be available in your online account on January 15, 2026. Access through your app, or log into mycalgarycoop.com to download these documents.

Download the app and register your membership before 10:59pm on January 11^th, 2026 to receive the cash portion of your 2025 Patronage Return as Calgary Co-op Bonus Cash on January 15, 2026.

You will also instantly receive $5 in Bonus Cash just for downloading the app, plus Personalized offers, in-app exclusive saving, chances to play and win free or deeply discounted items each week and much more. (Please see full terms and conditions)

All Calgary Co-op members who are eligible for a Patronage Return can receive it in one of three ways.

• If you have the  Calgary Co-op Member app, you will automatically receive your 2025 Patronage Return as Calgary Co-op Bonus Cash in the app beginning in January 2026.

• If you do not have the app, but already have a registered online account at mycalgarycoop.com, you will automatically receive your 2025 Patronage Return in February as an E-Transfer to your bank account.
  • If you have not already registered your membership online, you can do so now at mycalgarycoop.com  to receive your Patronage Return as an E transfer
  • Please ensure you are set up with online banking. If you do not have online banking, please contact us at 1-833-310-0095 or email memberengagement@calgarycoop.com to arrange for a cheque instead.

• If you do not have the app, or a registered online account, you can receive your eligible Patronage Return in March as a mailed cheque. Please contact us at 1-833-310-0095 to request a mailed cheque, if you haven’t already.

Businesses and charities with Calgary Co-op memberships  who are eligible for a Patronage Return will receive the cash portion of their 2025 Patronage Return as an EFT on January 22, 2026.   If you are a business or charity and have not received your Patronage Return over the last two years, you will need to register for an online account at business.mycalgarycoop.com and upload a Direct Deposit statement from your financial institution which will be verified by our Member Services team.  An EFT will be arranged by Calgary Co-op in January − or later depending on when you register − to deposit the cash portion of your 2025 Patronage Return directly into your bank account.

As we continue to evolve and modernize our co-operative, we have changed how patronage is paid and equity is structured to make it more 1) simple 2) immediate and 3) transparent.

We have 1) simplified our equity tiers from 11 to 3, to allow members to earn cash faster, 2) receive it as a lump sum earlier each year in the Bonus Cash Bubble of their Calgary Co-op app and 3) see it accumulate in the app throughout the year in order to connect with the value of shopping at Calgary Co-op. In a nutshell: All members get more cash paid out, and those with the app get it sooner, at a time when they need it the most.

As we continue to evolve and modernize our co-operative, we have changed how patronage is paid.  Calgary Co-op has moved away from blanket-mailing cheques, however all members who are eligible for a Patronage Return can receive one, in one of three ways.  If you haven’t indicated how you want your Patronage Return please contact our Membership department to arrange for your 2025 Patronage Return. Call 1-833-310-0095 or email us at  memberengagement@calgarycoop.com

As of November 2, 2025, members will see:

• Equity Share Balance
• Final Patronage accumulated for 2025
• Estimated Patronage accumulated YTD for 2026

2025 Share Ownership statements will be available online on January 15, 2026 in members’ mycalgarycoop.com accounts.

T4As will be available on January 5, 2026 in members’ mycalgarycoop.com online account.  Businesses can find their T4As in the business.mycalgarycoop.com account.

T4As are only issued for Patronage Returns over $100. Calgary Co-op is required by federal government tax regulations to report patronage returns paid to a member in excess of $100.00 and to with hold 15% of the dollar amount over $100.00.

Patronage Return on Purchases for Personal Use
If the patronage return you earn as a member is for personal use such as groceries, household items, and fuel for private vehicles, it is not subject to tax.
Write “Consumer Goods Only” across the front of the T4A and do not include the amount of the patronage return in your income on your tax return. You can claim the withholding tax amount as a credit as tax paid when you file your personal income tax return.

Patronage Return on Purchases for Business Use
Patronage returns are taxable for business persons, farmers, contractors, etc. who purchased goods for business use and used the cost of the goods to reduce their taxable income. If this applies to you, then the patronage return earned on the goods purchased is taxable and you must include the amount in your income on your tax return. The amount of the withholding tax can be claimed as a credit as tax paid.