Buduchnist Credit Union (BCU)
This Page's Content Was Last Updated: July 21, 2026
Important Information
We are not affiliated with Buduchnist Credit Union (BCU). We are an informational website that provides information on lenders across Canada and the financial products they offer.
Credit Union
Buduchnist Credit Union (BCU)
Buduchnist Credit Union (BCU) is a credit union located in Ontario. It was founded in 1952. It primarily serves Ukrainian-Canadian community.
Buduchnist Credit Union, known today as BCU Financial, was founded in Toronto in 1952 by Ukrainian newcomers who pooled their savings to create a community based financial institution. The name Buduchnist means “future” and reflects the organization’s origins in a newcomer community building financial support in Canada.
BCU has grown into a full service financial group serving members across Ontario. Through BCU Financial Group, it offers personal and business banking, lending, mortgages, investments, wealth management, and related financial services. It also supports Ukrainian Canadian cultural, educational, charitable, and community organizations through BCU Foundation.
BCU Foundation has supported humanitarian aid efforts for Ukraine since 2014, with continued fundraising, donation matching, and community support.
Provinces served
Number of Members (as of 2025): ~20,000
Chequing and Savings Accounts
The account-related data on this page was last updated on July 20, 2026.
Chequing Accounts
Chequing Account
1. Account: Regular Chequing Account
- Standard Fee
- Free
- Free Transactions
- Unlimited
- Max e-Transfer / Day
- $5,000
- Insurance Limit (Non-Registered)
- $250,000 per depositor
- Insurance Limit (Registered)
- Unlimited
Account details
- This account allows Unlimited free transactions.
- E-Transfers are excluded from the transaction limit and is unlimited.
- Maximum Interac e-Transfer per day: $5,000
- Maximum Interac e-Transfer per week: $10,000
- This limit may vary depending on the client profile.
- BCU Regular Chequing Account is a no-monthly-fee chequing account with no minimum balance requirement and unlimited chequing privileges. Sending and receiving Interac e-Transfers, cheque deposits, online bill payments, and all transactions at BCU and The Exchange Network ATMs are free. A BCU Member debit card is included with the account.
Deposit Insurance
Deposits are insured by the Financial Services Regulatory Authority of Ontario (FSRA), via the Deposit Insurance Reserve Fund (DIRF).
Savings Accounts
Savings Account
Account: Link Savings Account
- Interest Rate
- 1.05%
- Standard Fee
- Free
- Free Transactions
- 0
- Max e-Transfer / Day
- $5,000
- Insurance Limit (Non-Registered)
- $250,000 per depositor
- Insurance Limit (Registered)
- Unlimited
Account details
- This account allows 0 free transactions.
- Maximum Interac e-Transfer per day: $5,000
- Maximum Interac e-Transfer per week: $10,000
- This limit may vary depending on the client profile.
- BCU Link Savings Account is a no-monthly-fee savings account offered exclusively online, with no minimum balance requirement or withdrawal limit. The account earns interest on savings and is linked to a BCU chequing account for transfers. It can be managed through BCU Link online banking and the BCU Link mobile app.
Deposit Insurance
Deposits are insured by the Financial Services Regulatory Authority of Ontario (FSRA), via the Deposit Insurance Reserve Fund (DIRF).
Savings Account
Account: Regular Savings account
- Interest Rate
- 0.10%
- Standard Fee
- Free
- Free Transactions
- 0
- Max e-Transfer / Day
- $5,000
- Insurance Limit (Non-Registered)
- $250,000 per depositor
- Insurance Limit (Registered)
- Unlimited
Account details
- This account allows 0 free transactions.
- Maximum Interac e-Transfer per day: $5,000
- Maximum Interac e-Transfer per week: $10,000
- This limit may vary depending on the client profile.
- BCU Regular Savings Account is a no-monthly-fee savings account with no minimum balance requirement or withdrawal limit. Interest is calculated on the lowest monthly balance and paid twice a year. Funds can be deposited through account transfers, BCU ATMs, direct deposit, Interac e-Transfer, pre-authorized contributions, or in-branch deposits.
Deposit Insurance
Deposits are insured by the Financial Services Regulatory Authority of Ontario (FSRA), via the Deposit Insurance Reserve Fund (DIRF).
Key Financial Metrics and Trends
| Metric | 2025 | YoY Change | 5-Year Change |
|---|---|---|---|
| Assets | $1,066M | +2.8% | +14.5% |
| Loans | $958M | +4.1% | +17.4% |
| Deposits | $882M | +3.6% | +14.8% |
| Loan-to-Deposit Ratio | 108.6% | — | — |
| Mortgages + HELOCs | N/A | N/A | N/A |
| Securities | $68M | +9.7% | -2.9% |
| Revenue | $22M | +22.2% | +10.0% |
| Efficiency Ratio | 80.0% | — | — |
| Target Members / Region | Ukrainian-Canadian community | — | — |
Buduchnist Credit Union (BCU) Deposits, Loans and Revenue in the Past 5 Years
For deeper insights into all Canadian lenders, subscribe to our comprehensive Lenders Report, with plans starting at just $100 per month.
Contact
If you're from Buduchnist Credit Union (BCU) and would like to add or update information on this page, please fill out the form.
Disclaimer:
- Any analysis or commentary reflects the opinions of WOWA.ca analysts and should not be considered financial advice. Please consult a licensed professional before making any decisions.
- The calculators and content on this page are for general information only. WOWA® does not guarantee the accuracy and is not responsible for any consequences of using the calculator.
- Financial institutions and brokerages may compensate us for connecting customers to them through payments for advertisements, clicks, and leads.
- Interest rates are sourced from financial institutions' websites or provided to us directly. Real estate data is sourced from the Canadian Real Estate Association (CREA) and regional boards' websites and documents.