Cascadia Credit Union
This Page's Content Was Last Updated: July 21, 2026
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Credit Union
Cascadia
Cascadia Credit Union is a credit union located in British Columbia. It was founded in 2025 through the merger of Osoyoos, Revelstoke and and Summerland credit unions. It primarily serves Okanagan, Shuswap and and Kootenay regions of British Columbia.
Cascadia Credit Union was formed in 2025 through the merger of Osoyoos Credit Union, Revelstoke Credit Union, and Summerland Credit Union. The combined organization brings together cooperative banking histories from the Southern Interior and Columbia Shuswap regions of British Columbia.
Cascadia serves members with personal and business banking, lending, mortgages, investments, and financial advice. Its work is focused on local service, member ownership, and financial support for the communities served by its predecessor credit unions.
Although the Cascadia name is new, the organization continues the regional cooperative banking role previously carried by its founding credit unions. Its board has also entered into a memorandum of understanding with Greater Vancouver Community Credit Union to explore a potential merger, which could expand the credit union’s service area while maintaining a cooperative structure.
Provinces served
Number of Members (as of 2025): ~16,000
Chequing and Savings Accounts
The account-related data on this page was last updated on July 20, 2026.
Chequing Accounts
Chequing Account
1. Account: Essential Spending
- Standard Fee
- Free
- Free Transactions
- 0
- Insurance Limit
- Unlimited
Account details
- This account allows 0 free transactions.
- E-Transfers are excluded from the transaction limit and is unlimited. Point-of-Sale Transaction: $0.75 ATM Withdrawal (ding free®): $0.75 Cheque: $0.75 In-Branch Withdrawal: $0.75 Bill Payment (In Branch): $0.75 Cheque Cashing (In Branch): $0.75
- Cascadia Credit Union Essential Spending is a no-monthly-fee pay-as-you-go chequing account. Interac e-Transfers, online bill payments, and direct deposits are free and unlimited. Debit card purchases and withdrawals cost $0.75 each. The account is available through Cascadia’s digital banking, with separate login portals still used for legacy Osoyoos, Revelstoke, and Summerland members.
Deposit Insurance
Deposits are insured by the Credit Union Deposit Insurance Corporation of British Columbia (CUDIC), administered by BCFSA.
Chequing Account
2. Account: Ultimate Spending
- Standard Fee
- $15.00/mo
- Free Transactions
- Unlimited
- Insurance Limit
- Unlimited
Account details
- This account allows Unlimited free transactions.
- Cascadia Credit Union Ultimate Spending is a $15-per-month chequing account with unlimited in-branch and online transactions. The monthly fee is waived with a qualifying minimum balance or comprehensive relationship with the credit union, with details confirmed through an account manager. The account also includes surcharge-free access to thousands of ding free ATMs nationwide.
Deposit Insurance
Deposits are insured by the Credit Union Deposit Insurance Corporation of British Columbia (CUDIC), administered by BCFSA.
Savings Accounts
Savings Account
Account: Everyday Savings
- Interest Rate
- 0.25%
- Standard Fee
- Free
- Free Transactions
- 0
- Insurance Limit
- Unlimited
Account details
- This account allows 0 free transactions.
- Cascadia Credit Union Everyday Savings is a no-monthly-fee savings account with no minimum balance requirement. It earns interest on the account balance and includes unlimited free deposits. Withdrawals cost $0.75 each. The account provides access to funds through regular withdrawals and transfers and can be managed through Cascadia’s online and mobile banking services.
Deposit Insurance
Deposits are insured by the Credit Union Deposit Insurance Corporation of British Columbia (CUDIC), administered by BCFSA.
Savings Account
Account: Loyalty Savings
- Interest Rate
- 1.00%
- Standard Fee
- Free
- Free Transactions
- 2
- Insurance Limit
- Unlimited
Account details
- This account allows 2 free transactions.
- Cascadia Credit Union Loyalty Savings is a no-monthly-fee high-interest savings account with no minimum balance requirement. It earns interest on every dollar and includes unlimited free deposits. The account includes 2 free withdrawal transactions per month, with each additional withdrawal costing $5. Eligible deposits are fully guaranteed by CUDIC.
Deposit Insurance
Deposits are insured by the Credit Union Deposit Insurance Corporation of British Columbia (CUDIC), administered by BCFSA.
Key Financial Metrics and Trends
| Metric | 2025 | YoY Change | 5-Year Change |
|---|---|---|---|
| Assets | $901M | +124.1% | +124.1% |
| Loans | $718M | +120.9% | +120.9% |
| Deposits | $828M | +125.6% | +125.6% |
| Loan-to-Deposit Ratio | 86.7% | — | — |
| Mortgages + HELOCs | $524M | +124.9% | +124.9% |
| Securities | $134M | +168.0% | +168.0% |
| Revenue | $17M | +142.9% | +142.9% |
| Efficiency Ratio | 75.7% | — | — |
| Target Members / Region | Okanagan, Shuswap, and Kootenay regions of British Columbia | — | — |
Cascadia Credit Union Deposits, Loans and Revenue in the Past 5 Years
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