Credit Union Atlantic Limited (CUA)
This Page's Content Was Last Updated: July 21, 2026
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Credit Union
Credit Union Atlantic Limited (CUA)
Credit Union Atlantic Limited (CUA) is a credit union located in Nova Scotia. It was founded in 1948. It primarily serves Halifax Regional Municipality and broader Nova Scotia.
Credit Union Atlantic, known as CUA, has served Nova Scotians since 1948, when it opened in Halifax as Dockyard Credit Union. It has since developed into a full service, member owned financial institution based in Halifax and serving people and businesses in the surrounding region.
CUA offers personal and business banking, mortgages, loans, investments, wealth management, and commercial lending. Its service model includes personalized advice, flexible products, and local decision-making for members and business clients.
As a cooperative, CUA focuses on the financial needs of the Nova Scotians it serves. Through community investment, grants, partnerships, and local support, it contributes to organizations and initiatives in the communities where its members live and work.
Provinces served
Number of Members (as of 2025): ~25,000
Chequing and Savings Accounts
The account-related data on this page was last updated on July 20, 2026.
Chequing Accounts
Chequing Account
1. Account: myChequing
- Standard Fee
- $4.00/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.
- This account allows 20 free transactions.
- 1 free Interac e-Transfer is included each month.
- Credit Union Atlantic Limited (CUA) myChequing is a $4-per-month chequing account with 20 included debit transactions per month and 1 free Interac e-Transfer. The monthly fee may be waived by maintaining a minimum balance of $2,000. Additional debit transactions and Interac e-Transfers beyond the included allowances are subject to CUA’s applicable transaction fees.
Deposit Insurance
Deposits are insured by the Nova Scotia Credit Union Deposit Insurance Corporation (CUDIC). "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: myChequing Unlimited
- Standard Fee
- $16.95/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 $3,000 in your account.
- This account allows Unlimited free transactions.
- Credit Union Atlantic Limited (CUA) myChequing Unlimited is a $16.95-per-month chequing account with unlimited debit transactions and unlimited Interac e-Transfers. The monthly fee may be waived by maintaining a minimum balance of $3,000. Seniors receive a 25% monthly fee discount, and the Senior package includes free cheques.
Deposit Insurance
Deposits are insured by the Nova Scotia Credit Union Deposit Insurance Corporation (CUDIC). "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: myHighInterestSavings
- Interest Rate
- 1.25%
- Standard Fee
- Free
- Free Transactions
- 2
- Insurance Limit
- $250,000 per category
Account details
- This account allows 2 free transactions.
- Credit Union Atlantic Limited (CUA) myHighInterestSavings is a high-interest savings account. CUA does not currently publish the account’s interest rate, monthly fee, transaction allowance, or minimum balance requirement on its website. Members are directed to contact CUA directly for current account details, including applicable rates and account terms.
Deposit Insurance
Deposits are insured by the Nova Scotia Credit Union Deposit Insurance Corporation (CUDIC). "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: mySavings
- Interest Rate
- 0.05%*
- Standard Fee
- Free
- Free Transactions
- 2
- Insurance Limit
- $250,000 per category
Account details
- This account allows 2 free transactions.
*Interest Rate Breakdown by Balance
Balance amount Interest rate $1 to $9,999 0.05% $10,000 to $99,999 0.10% $100,000 or over 0.15% - Credit Union Atlantic Limited (CUA) mySavings is a no-monthly-fee savings account with interest paid on the monthly balance. It includes 2 free withdrawals per month, with additional withdrawal transactions costing $1.50 each. The account has no monthly service fee and is available through CUA’s personal banking services.
Deposit Insurance
Deposits are insured by the Nova Scotia Credit Union Deposit Insurance Corporation (CUDIC). "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 | $1,207M | +9.8% | +59.2% |
| Loans | $1,027M | +9.6% | +124.2% |
| Deposits | $982M | +12.0% | +43.8% |
| Loan-to-Deposit Ratio | 104.6% | — | — |
| Mortgages + HELOCs | $228M | -2.6% | N/A |
| Securities | $11M | 0.0% | N/A |
| Revenue | $56M | +7.7% | +51.4% |
| Efficiency Ratio | 44.1% | — | — |
| Target Members / Region | Halifax Regional Municipality and broader Nova Scotia | — | — |
Credit Union Atlantic Limited (CUA) Deposits, Loans and Revenue in the Past 5 Years
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