Your 2025 Patronage (cash and equity) is displayed in your Member Earnings bubble. In January. 2026, the cash portion of your 2026 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 the Member Earnings bubble.

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

Download the app today to receive the cash portion of your 2025 Patronage Return as Calgary Co-op Bonus Cash in mid-January. You will also instantly receive $5 in Bonus Cash just for downloading the app. (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 Member app, you will automatically receive your 2025 Patronage Return as Calgary Co-op Bonus Cash in the app in mid January, 2026.

• If you do not have the app, but 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.
  • Please ensure you are set up with online banking. If you do not have online banking, please contact our membership department at 403-219-6025 and press 3 or email membership@calgarycoop.com

• If you do not have the app, or an online account, you can receive your eligible Patronage Return in February as a mailed cheque, however action is required.   Calgary Co-op has moved away from blanket-mailing cheques. If you haven’t indicated how you want your Patronage Return, please contact our membership department to arrange for your 2025 Patronage Return.  Call 403-219-6025 and press 3 or email membership@calgarycoop.com

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 403-219-6025 and press 3 or email us at  membership@calgarycoop.com

Keeping the profits in our cooperative by returning the cash portion of Patronage as Calgary Co-op Bonus Cash in the app allows members to invest back into the community and the cooperative, ensuring a healthy future for Calgary Co-op which benefits all our members; a practice that is common across many other cooperatives and retail businesses. Learn more about how and where you can redeem Calgary Co-op Bonus Cash.

Our refreshed membership program makes Patronage simpler, immediate, and more transparent. Members will earn cash faster,  and those with the app receive it as a lump sum earlier in the year, and see the current year’s patronage accumulate throughout the year in the member earnings bubble.

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 in mid January 2026 in members’ mycalgarycoop.com accounts.

T4As will be available early January 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.