Atlantic Edge Credit Union
This Page's Content Was Last Updated: July 21, 2026
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Credit Union
Atlantic Edge
Atlantic Edge Credit Union is a credit union located in Newfoundland and Labrador. It was founded in 2022 through the merger of Eagle River Credit Union and Leading Edge Credit Union. It primarily serves Northwest Newfoundland and Southeast Labrador.
Atlantic Edge Credit Union is a Newfoundland and Labrador credit union formed through mergers among regional credit unions across the province. Its oldest roots trace to 1984, when Eagle River Credit Union was established along the Labrador Coast to support access to banking in remote coastal communities connected to the Labrador fishery.
Eagle River later amalgamated with Leading Edge Credit Union to form the original Atlantic Edge Credit Union. On January 1, 2024, that institution merged with EasternEdge Credit Union and Hamilton Sound Credit Union to create the current Atlantic Edge Credit Union.
Today, Atlantic Edge serves communities across Newfoundland and Labrador with personal and business banking, borrowing, mortgages, investments, and financial advice. Its operations reflect a cooperative model focused on local decision making and financial services for island and Labrador communities.
Provinces served
Number of Members (as of 2025): ~24,000
Chequing and Savings Accounts
The account-related data on this page was last updated on July 20, 2026.
Chequing Accounts
Chequing Account
1. Account: Your Chequing 20
- Standard Fee
- $5.00/mo
- Free Transactions
- 20
- Insurance Limit
- $250,000 per category
Account details
- The monthly account fee is waived if you maintain a minimum balance of $2,000 in your account.
- The account fee may be waived for students and youth.
- The account fee might be waived for seniors.
- This account allows 20 free transactions.
- After 20 free transactions per month, the fees are: ATM Withdrawal: $1.50 ATM Transfer: $1.50 Bill Payment: $1.50 Cheque: $1.50 Transfer (In Branch): $1.50 In-Branch Withdrawal: $1.50 Point-of-Sale Transaction: $1.50 Bill Payment (Online): $1.50 Transfer (Online): $1.50 Pre-Authorized Payment: $1.50 Interac e-Transfer: $1.50
*Interest Rate Breakdown by Balance
Balance amount Interest rate $1 to $59,999 0.000% $60,000 or more 0.005% - Atlantic Edge Credit Union Your Chequing 20 is a $5-per-month chequing account with 20 included transactions per month, including Interac e-Transfers, plus unlimited online and mobile banking. The monthly fee is waived with a $2,000 minimum daily balance. The account is free for youth under 25 and seniors age 59 and older.
Deposit Insurance
Deposits are insured by the Credit Union Deposit Guarantee Corporation (CUDGC NL). "Category" generally means separate coverage for each account type, such as individual, joint, trust, and each registered plan, though exact definitions vary slightly by province.
Chequing Account
2. Account: Your Chequing Unlimited
- Standard Fee
- $27.00/mo
- Free Transactions
- Unlimited
- Insurance Limit
- $250,000 per category
Account details
- The monthly account fee is waived if you maintain a minimum balance of $6,000 in your account.
- This account allows Unlimited free transactions.
*Interest Rate Breakdown by Balance
Balance amount Interest rate $1 to $59,999 0.000% $60,000 or more 0.005% - Atlantic Edge Credit Union Your Chequing Unlimited is a $27-per-month chequing account with unlimited standard transactions, Interac e-Transfers, and personalized cheques. The monthly fee is waived with a $6,000 minimum daily balance. Seniors age 59 and older pay $13.50 per month, while youth under 25 pay $11 per month.
Deposit Insurance
Deposits are insured by the Credit Union Deposit Guarantee Corporation (CUDGC NL). "Category" generally means separate coverage for each account type, such as individual, joint, trust, and each registered plan, though exact definitions vary slightly by province.
Savings Accounts
Savings Account
Account: Your High Interest Savings Account (HISA)
- Interest Rate
- 0.55%
- Standard Fee
- Free
- Free Transactions
- 0
- Insurance Limit
- $250,000 per category
Account details
- This account allows 0 free transactions.
- Atlantic Edge Credit Union Your High Interest Savings Account is a no-monthly-fee savings account with interest calculated daily and paid monthly. Online Me-to-Me transfers are unlimited and free. Standard transactions cost $5 each, while Interac e-Transfers cost $6.50 each. Funds can be transferred between eligible Atlantic Edge accounts without a transaction fee.
Deposit Insurance
Deposits are insured by the Credit Union Deposit Guarantee Corporation (CUDGC NL). "Category" generally means separate coverage for each account type, such as individual, joint, trust, and each registered plan, though exact definitions vary slightly by province.
Savings Account
Account: Your Savings
- Standard Fee
- Free
- Free Transactions
- 2
- Insurance Limit
- $250,000 per category
Account details
- This account allows 2 free transactions.
- No source is available for the account’s interest rate.
- Atlantic Edge Credit Union Your Savings is a no-monthly-fee savings account with tiered interest and 2 included standard transactions per month. Additional standard transactions cost $1.50 each. Interac e-Transfers are included in the standard transaction allowance. The account also includes free electronic access, unlimited online Me-to-Me transfers, and unlimited Deposit Anywhere transactions.
Deposit Insurance
Deposits are insured by the Credit Union Deposit Guarantee Corporation (CUDGC NL). "Category" generally means separate coverage for each account type, such as individual, joint, trust, and each registered plan, though exact definitions vary slightly by province.
Key Financial Metrics and Trends
| Metric | 2025 | YoY Change | 5-Year Change |
|---|---|---|---|
| Assets | $576M | +10.1% | +266.9% |
| Loans | $475M | +19.9% | +289.3% |
| Deposits | $541M | +10.9% | +265.5% |
| Loan-to-Deposit Ratio | 87.8% | — | — |
| Mortgages + HELOCs | $294M | +20.5% | +272.2% |
| Securities | $43M | -43.4% | +168.8% |
| Revenue | $23M | +9.5% | +360.0% |
| Efficiency Ratio | 92.4% | — | — |
| Target Members / Region | Northwest Newfoundland, Southeast Labrador | — | — |
Atlantic Edge Credit Union Deposits, Loans and Revenue in the Past 5 Years
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