1st Choice Savings & Credit Union is a Lethbridge based financial cooperative with roots reaching back to 1938, when St. Patrick’s Credit Union began serving members in the city. A separate predecessor, Lethbridge Central Savings & Credit Union, was formed in 1941 and later became Southland Credit Union through local amalgamations. In 2001, Southland and St. Patrick’s joined together to create 1st Choice Savings.

Today, 1st Choice serves communities across southern Alberta with personal, business, and agricultural banking, including lending, mortgages, investments, and financial advice. Its work is focused on cooperative ownership, local service, and financial support for families, farms, and businesses in the region.

As a member owned cooperative, 1st Choice emphasizes fair treatment, personalized service, and the use of member deposits to support local financial activity.

1st Choice Savings & Credit Union Ltd

Access Credit Union is Manitoba’s largest credit union, shaped by decades of consolidation among community based credit unions across the province. Its roots reach back to early Manitoba credit unions formed in the 1930s and 1940s. More recent mergers with Noventis, Sunova, Carpathia, Casera, and Amaranth Credit Unions helped expand Access into a province wide cooperative serving both Winnipeg and rural Manitoba.

As a member owned financial institution, Access offers personal and business banking, mortgages, investments, wealth management, and access to insurance services. It has also been recognized repeatedly as one of Manitoba’s Top Employers.

Access combines local credit union roots with the scale to serve communities across Manitoba. Its work focuses on member service, community investment, and cooperative financial services for individuals, businesses, and local organizations.

Access Credit Union

Affinity Credit Union is one of Saskatchewan's largest credit unions, headquartered in Saskatoon and serving communities across the province. Formed in 2005 through the consolidation of Saskatchewan credit unions, Affinity operates as a member owned cooperative with a focus on local ownership and community reinvestment.

Affinity states that member deposits are reinvested and circulated in Saskatchewan through loans and mortgages that support individuals, families, farms, businesses, and communities. It offers personal and business banking, mortgages, loans, investments, and financial advice. Its subsidiary, Affinity Insurance, provides home, auto, business, and farm insurance services.

Affinity is also a member of the Global Alliance for Banking on Values, an international network of financial institutions focused on social, environmental, and economic impact through finance.

Affinity Credit Union

Alterna Savings traces its roots to the Civil Service Savings and Loan Society, founded in Ottawa in 1908 by federal civil servants seeking a cooperative alternative to high cost moneylenders. Alphonse Desjardins helped support its creation, and the institution became the first full service, member owned cooperative financial institution in Canada outside Quebec.

Alterna took its current name in 2005 after the merger of CS CO-OP Credit Union and Toronto’s Metro Credit Union. It has since expanded through additional mergers with Ontario credit unions while continuing to operate as a bilingual, member owned financial cooperative.

Alterna also owns Alterna Bank, a direct banking subsidiary that serves Canadians nationally. Together, Alterna Savings and Alterna Bank provide banking, lending, investment, and financial services with a focus on financial inclusion, community lending, and accessibility.

Alterna Savings

Assiniboine Credit Union, now operating as Assiniboine Credit Union / Caisse Assiniboine, traces its origins to 1943, when Ed McCaffrey and co-workers from the Winnipeg Electric Company formed an open bond credit union in response to wartime financial hardship and high cost moneylending. It later grew into one of Manitoba’s largest credit unions, serving urban, rural, and northern communities.

ACU is a certified B Corporation and has been recognized as one of Canada’s Greenest Employers. Its community work includes financial inclusion, reconciliation, and support for people and neighbourhoods with limited access to traditional financial services.

ACU was the first financial institution in Manitoba to sign the Winnipeg Indigenous Accord. Following its merger with Caisse Financial Group and Westoba Credit Union, it operates as a bilingual, member owned financial cooperative offering French language services.

Assiniboine Credit Union

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.

Atlantic Edge Credit Union

Beem Credit Union is a British Columbia based credit union with more than eight decades of cooperative banking history through its founding organizations. It was formed in 2024 through the merger of Interior Savings Credit Union and Gulf & Fraser Credit Union, bringing together regional credit union networks that included brands such as North Peace Savings and GFCU Savings.

Beem later expanded through its merger with BlueShore Financial, creating one of British Columbia’s largest provincially regulated credit unions. It serves members from Metro Vancouver and the Fraser Valley through the Interior, Cariboo, and Northern British Columbia.

Beem has also invested in digital banking, including a modern core banking system, digital platform, and website. These investments are intended to improve convenience, security, and member service while maintaining a member owned cooperative structure.

Beem Credit Union

Banff Savings & Credit Union was founded in 1953 in Banff, Alberta. Its early history included founding partners Harry and Felicia Pedhirney and Harry and Bella Hiscock, with Felicia Pedhirney serving in management and board roles for many years.

In 1975, the institution amalgamated with Canmore Credit Union and adopted the Bow Valley Credit Union name. It later expanded into additional Alberta communities, including Cochrane, Calgary, and Airdrie. Headquartered in Cochrane, Bow Valley serves members with personal and business banking, lending, mortgages, investments, and financial advice.

Bow Valley has also pursued financial service innovation. In 2025, it launched a Bitcoin Gateway in partnership with fintech providers, positioning the credit union as an adopter of digital asset services within the cooperative banking sector.

Bow Valley Credit Union Ltd.

Brunswick Credit Union was launched in 2023 through the amalgamation of Bayview Credit Union, Advance Savings Credit Union, and Progressive Credit Union. The merger created the largest provincially regulated credit union in New Brunswick and brought together cooperative institutions serving communities across the province.

Brunswick continues to recognize its legacy divisions, allowing members to keep familiar local connections while accessing the resources of a combined organization. As a member owned cooperative, it provides personal and business banking, lending, mortgages, investments, and financial advice.

Brunswick supports New Brunswick communities through corporate donations, scholarships, volunteerism, and local investment. Its work is focused on member service, community support, and cooperative banking that returns value to members and communities rather than outside shareholders.

Brunswick Credit Union

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.

Buduchnist Credit Union (BCU)

Bulkley Valley Credit Union was founded in May 1941 and serves communities in the Bulkley Valley region of northwestern British Columbia. Headquartered in Smithers, it provides financial services to members in communities from Burns Lake to the Hazeltons.

The credit union offers personal and business banking, mortgages, loans, and investment services, with insurance and financial planning available through related divisions. Its governance structure includes a board of directors elected by members, keeping oversight connected to the communities it serves.

As a member owned cooperative, Bulkley Valley Credit Union shares a portion of its financial success with members through patronage returns. Its work focuses on local decision making, member service, and financial support for individuals, businesses, and communities in northwestern British Columbia.

Bulkley Valley Credit Union

Caisse populaire Alliance, operating as Caisse Alliance, is a Francophone cooperative financial institution serving communities across Northern Ontario. Its roots trace back to 1951, when La caisse régionale de Nipissing-Sudbury was founded. After a period of affiliation with the broader Ontario caisse populaire federation, caisses in the Northern and Nipissing regions formed their own association, later named L’Alliance des caisses populaires de l’Ontario limitée.

Caisse Alliance offers personal and business banking, lending, investment, and advisory services, with a focus on French language financial services in Northern Ontario. Its cooperative structure is connected to Francophone community ownership and regional service.

Today, Caisse Alliance supports members, businesses, and local development while reflecting the cultural and economic priorities of Franco-Ontarian communities.

Caisse Populaire Alliance

Cambrian Credit Union was founded in Winnipeg in 1959 as Co-operators Credit Union, originally serving members of Red River Co-op as a closed bond institution. Over time, it expanded through mergers with community and workplace based credit unions, eventually bringing together more than two dozen predecessor organizations into a cooperative serving the Winnipeg and Selkirk markets.

In 1998, Cambrian launched Achieva Financial, a division of Cambrian and one of Canada’s first online only financial institutions. Achieva gave savers a way to bank digitally at a time when online banking was still developing.

Today, Cambrian offers personal and business banking, mortgages, loans, investments, and financial advice. Its cooperative model remains rooted in Manitoba, with a focus on member ownership and accessible financial services.

Cambrian Credit Union

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.

Cascadia Credit Union

Coastal Community Credit Union traces its origins to 1945, when Vancouver Island residents began organizing a cooperative financial institution. Nanaimo & District Credit Union was incorporated the following year and later became part of the institution now known as Coastal Community Credit Union.

Coastal Community has grown through mergers and acquisitions into the largest Island based financial organization serving Vancouver Island and the Gulf Islands. It offers personal, business, and commercial banking, along with insurance services and wealth management through related Coastal Community organizations and partners.

Coastal Community’s work focuses on financial health, local decision-making, and community investment. Through grants, scholarships, sponsorships, and local partnerships, it supports initiatives in the communities where its members and employees live and work.

Coastal Community Credit Union

Coast Capital Savings is a British Columbia based federal credit union headquartered in Surrey, with roots reaching back to the 1940s. It took shape through the merger of Pacific Coast Savings and Richmond Savings in 2000, followed by Surrey Metro Savings in 2002.

Coast Capital became the first credit union from British Columbia to operate as a federal credit union, allowing it to serve members nationally under the federal credit union framework. It has also been associated with banking changes such as free chequing from a full service financial institution.

In 2026, Coast Capital completed a merger with Prospera Credit Union and Sunshine Coast Credit Union, forming a British Columbia headquartered federal credit union family of brands. Coast Capital provides personal and business banking, lending, mortgages, investments, and financial advice, with a focus on member service and community support.

Coast Capital Savings

Community Savings Credit Union was founded in British Columbia in 1944 with roots in the labour movement and a focus on serving working people. That history remains part of its current identity, including its public positioning as “the unions’ credit union” and its stated purpose of uniting working people to build a just world.

Community Savings offers personal and business banking as a member owned financial cooperative. It is recognized as British Columbia’s largest fully unionized credit union and maintains a focus on labour rights, economic inclusion, and community investment.

Its community focused work also includes AnXin Community Savings, a division serving Chinese Canadians and Chinese language communities in British Columbia, and Aria Savings, a credit union brand for Persian Canadians and Farsi language communities. Community Savings combines cooperative financial services with a stated focus on equity, worker support, and financial inclusion.

Community Savings Credit Union

Comtech Fire Credit Union was formed in 2016 through the amalgamation of Comtech Credit Union and Fire Services Credit Union. Comtech traced its origins to 1940, when Toronto Bell Telephone employees established Toronto Telephone Employees Credit Union. Fire Services Credit Union was established in 1941 to serve fire department employees across Ontario.

The 2016 amalgamation brought together credit union histories connected to communications, technology, fire services, and public sector workers. The same year, Comtech Fire acquired certain assets of Limestone Credit Union, adding service locations in Kingston and Amherstview.

Headquartered in Toronto, Comtech Fire served members across Ontario with personal and business banking, borrowing, mortgages, investments, and related financial services. In 2025, Comtech Fire joined Your Neighbourhood Credit Union.

Comtech Fire Credit Union Limited

Conexus Credit Union is one of Saskatchewan’s largest credit unions, with roots reaching back to 1937, when it was founded in Regina as Regina Co-operative Savings and Credit Union. It later became Sherwood Savings and Credit Union before growing through mergers into the institution known today as Conexus.

In 1976, while operating as Sherwood Credit Union, it introduced Canada’s first automated teller machine at its Regina branches. The credit union later expanded through mergers and now serves personal, business, and agricultural members across Saskatchewan with banking, lending, investment, and advice services.

Conexus contributes a portion of pre-tax profits to community investment each year, supporting organizations that address social and economic priorities in the province. In 2026, Conexus merged with Cornerstone and Synergy Credit Unions under the Conexus Credit Union name.

Conexus Credit Union

Cornerstone Credit Union was a Saskatchewan based credit union with roots reaching back to 1941, when members in Wynyard formed a local cooperative financial institution. Over the decades, it grew through mergers with other community credit unions across eastern and central Saskatchewan, including the later combination with Horizon and Plainsview Credit Unions.

Headquartered in Yorkton, Cornerstone served rural and small town Saskatchewan with personal, business, and agricultural banking services. Its work focused on local ownership, practical financial advice, and financial services for farms, businesses, and communities in the region.

On January 1, 2026, Cornerstone amalgamated with Conexus and Synergy Credit Unions under the Conexus Credit Union name, continuing its cooperative banking history within a larger province wide financial institution.

Cornerstone Credit Union

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.

Credit Union Atlantic Limited (CUA)

Crossroads Credit Union traces its origins to 1958, when residents of Canora, Saskatchewan, met to establish a local credit union. Canora Credit Union was formally incorporated on April 28, 1959, and initially operated from space connected to a Saskatchewan Wheat Pool elevator.

Now known as Crossroads Credit Union, the institution serves communities in eastern Saskatchewan, including Canora, Preeceville, Sturgis, and Wadena. It offers personal, agricultural, and business banking services, including accounts, borrowing, mortgages, investments, and financial advice.

As a locally owned financial cooperative, Crossroads Credit Union is governed by directors elected by its members. Its work focuses on local decision making, member service, and financial support for households, farms, businesses, and communities in its service area.

Crossroads Credit Union

Desjardins is Canada’s largest cooperative financial group and is widely recognized as North America’s largest financial cooperative group. Its origins date to December 6, 1900, when the Caisse populaire de Lévis was founded in Lévis, Quebec, by Alphonse Desjardins, with support from Dorimène Desjardins.

Desjardins is owned and governed by its members, who elect representatives and participate in its democratic governance. As a cooperative, it can return surplus earnings to members and reinvest in communities rather than distribute profits to outside shareholders.

Desjardins offers personal and business banking, insurance, wealth management, and investment products. It also contributes to communities through sponsorships, scholarships, donations, and local development initiatives.

With roots in Quebec and a significant presence in Ontario, Desjardins operates as a Canadian cooperative financial institution serving members, clients, businesses, and communities.

Desjardins

DUCA Credit Union was founded in Toronto in 1954 by Dutch immigrants to Canada and originally operated as Dutch Canadian Toronto Credit Union. From those origins, it has grown into a major Ontario credit union serving members across Southern Ontario, including the Greater Toronto Area.

DUCA was Canada's first credit union to receive B Corporation certification, reflecting verified social and environmental performance, transparency, and accountability. Its cooperative model also includes sharing profits with members through its Do More Profit Sharing program.

Today, DUCA serves personal and business members with banking, lending, mortgages, investments, and advice. Through initiatives such as the DUCA Impact Lab, it also works on financial inclusion, fair access to credit, and services for people who may be underserved by traditional financial institutions.

DUCA Financial

East Coast Credit Union traces its roots to 1933, when farmers and fishers in rural Nova Scotia organized a cooperative financial institution to improve access to credit and keep local savings working in their communities. Since then, East Coast has grown into one of Nova Scotia’s larger credit unions.

Headquartered in Dartmouth, East Coast serves members across Nova Scotia with personal and business banking, lending, mortgages, investments, and financial advice. Its work is focused on local service, community investment, and the cooperative principle that members are also owners.

East Coast is also a certified B Corporation, reflecting verified social and environmental standards. It is currently exploring a merger with Acadian Credit Union, iNova Credit Union, and Teachers Plus Credit Union, a proposal that could create a larger province wide cooperative financial institution.

East Coast Credit Union

Equity Credit Union was founded in 1943 by employees of the Lever Brothers soap factory in Toronto. Its early membership was connected to Lever Brothers and later Unilever employees, and the credit union operated under several names before formally becoming Equity Credit Union in 2004.

In 2002, Equity changed from a closed employee based credit union to an open bond institution, allowing membership to extend beyond its original workplace group. In 2010, it moved its headquarters from Toronto to Ajax, Ontario.

Today, Equity Credit Union serves members in Durham Region and beyond with personal banking, borrowing, mortgages, investments, and related financial services. It operates as a member owned cooperative with a focus on accessible service and local decision making.

Equity Credit Union Inc.

FCU Community Financial, formerly First Credit Union, traces its origins to Powell River, British Columbia, where a local cooperative financial institution was organized in 1932 and formally chartered in 1939 as Powell River Credit Union. It is recognized as British Columbia’s first credit union.

For decades, First Credit Union served coastal British Columbia communities with personal and business banking, lending, wealth services, and local financial advice. Its community role included returning a portion of profits to local initiatives and maintaining a cooperative structure focused on member ownership and regional service.

On December 1, 2025, First Credit Union completed its merger with Vancity and began operating as FCU Community Financial, a division of Vancity. The division continues to serve coastal communities while operating within a larger cooperative financial institution.

First Credit Union

First Ontario

FirstOntario Credit Union has roots in southern Ontario’s labour and community credit union history. It traces its origins to 1939, when employees of the Steel Company of Canada in Hamilton formed Stelco Employees Credit Union. Over time, it grew through mergers with other community based cooperatives, including Niagara region predecessors, and adopted the FirstOntario name in 2000.

Today, FirstOntario serves members across Hamilton, Niagara, Halton, and southwestern Ontario with personal and business banking, mortgages, loans, investments, and financial advice. As a member owned cooperative, it reinvests profits into local partnerships, charitable support, and community programs.

One of its established community initiatives is support for student nutrition programs, which help provide food to students through local school and community partners.

FirstOntario Credit Union

Fusion Credit Union was formed in 2018 through the amalgamation of Vanguard Credit Union and Catalyst Credit Union. The merger brought together Manitoba credit unions serving Parkland and southwestern Manitoba, creating a member owned financial institution with roots in rural and regional communities.

Fusion offers personal, business, and agricultural banking, including lending, mortgages, investments, and financial advice. Its work reflects the local focus of its predecessor credit unions and supports members, farms, businesses, and communities in the regions it serves.

Fusion has been recognized as one of Manitoba’s Top Employers. It also supports members and communities through member returns, sponsorships, local partnerships, and community investment programs such as the Full Circle Fund and Community Infusion.

Fusion Credit Union

IC Savings was founded in 2000 as Italian Canadian Savings & Credit Union, with its first branch in Woodbridge, Ontario. Its origins are connected to the Italian Canadian community in the Greater Toronto Area and to the goal of providing cooperative banking through a locally focused, member owned financial institution.

Over time, IC Savings expanded its services while continuing to operate as a full service financial cooperative. It serves personal and business members with banking, lending, mortgages, investments, and financial advice. It also offers mortgage broker services for borrowers seeking more specialized lending support.

Today, IC Savings operates under its shortened name while retaining its legal and historical connection to Italian Canadian Savings & Credit Union. Its work focuses on cooperative banking, community relationships, and practical financial services for members.

IC Savings & Credit Union

Innovation Federal Credit Union was formed in 2007 through the merger of Southwest Credit Union and BCU Financial. Headquartered in Swift Current, it has roots in Saskatchewan communities and became the first federal credit union headquartered in Saskatchewan in 2023, allowing it to serve members across Canada under the federal credit union framework.

Innovation operates under a philosophy it calls Responsible Banking™, which includes low and no fee products, quarterly member returns, and reinvestment in the communities it serves. It refers to its physical locations as Advice Centres, reflecting a focus on guidance and member relationships.

In 2026, Innovation completed its merger with ABCU Credit Union in Alberta, described as the first interprovincial credit union merger in Canadian history. The merger expanded Innovation’s service area while maintaining its cooperative structure and focus on member ownership.

Innovation Federal Credit Union

Integris Credit Union, now a division of Coastal Community Credit Union, was a north central British Columbia credit union with roots reaching back to 1946 through Prince George Savings Credit Union. It took shape in the mid 2000s through the amalgamation of Prince George Savings, Nechako Valley, and Quesnel & District Credit Unions, first as North Country Credit Union and later under the Integris name.

Headquartered in Prince George, Integris served communities across British Columbia’s central interior with personal and business banking, insurance, financial planning, and related services. Its work focused on local relationships, regional decision-making, and financial services for smaller communities, including areas where access to financial institutions was limited.

Integris was also recognized as a living wage employer and community investor. On January 1, 2026, it merged with Coastal Community Credit Union and continues as the Integris division within a larger British Columbia cooperative financial institution.

Integris Credit Union

Kawartha Financial Services, formerly Kawartha Credit Union, traces its roots to 1952 in Peterborough, Ontario, when employees of Canadian General Electric formed Cangeco Credit Union as a workplace based cooperative. In 1978, it opened membership to the broader community and adopted the Kawartha name.

Over time, Kawartha expanded through mergers with smaller credit unions across east central Ontario. It also established a Community Involvement Program, through which a portion of profits has been directed to local organizations and causes.

On January 1, 2026, Kawartha merged with Libro Credit Union. It now continues as Kawartha Financial Services within the combined Libro organization, maintaining a regional identity while giving members access to the broader scale and resources of a larger cooperative financial institution.

Kawartha Credit Union

Kawartha Financial Services

Khalsa Credit Union was established in British Columbia in 1986 by members of the province’s Sikh community. It was created to provide cooperative financial services with cultural understanding and community based service for members whose needs were not always well served by mainstream financial institutions.

Khalsa offers personal and business banking, lending, mortgages, investments, and financial advice. Its identity is connected to Sikh values such as seva, equality, accountability, generosity, and community service. It serves Sikh and like minded communities across British Columbia while operating as a member owned credit union.

Khalsa’s community work includes scholarships, bursaries, charitable giving, and youth financial literacy initiatives, including support for Junior Achievement British Columbia’s Dollars with Sense program. Its work combines financial services with support for culture, education, and community development.

Khalsa Credit Union

Kindred Credit Union was founded on March 21, 1964, when members of the Waterloo County Mennonite community created a cooperative financial institution. Originally known as Mennonite Savings and Credit Union, it served faith community members for decades before gradually opening its membership more widely and rebranding as Kindred Credit Union in 2016.

Kindred integrates values based criteria into its financial services. It limits investments in areas such as gambling, weapons, tobacco, alcohol, and cannabis, and offers products such as Affordable Housing GICs, which help finance long term affordable housing in Waterloo Region.

Headquartered in Kitchener, Kindred is a certified B Corporation serving Southern Ontario. Its work connects everyday banking, investing, and lending with member ownership, community impact, and responsible financial stewardship.

Kindred Credit Union

Kootenay Savings Credit Union was formed on January 1, 1969, through the amalgamation of credit unions in Trail, Fruitvale, and Castlegar. From those regional cooperative roots, it developed into a financial institution serving Kootenay communities in southeastern British Columbia.

Headquartered in Trail, Kootenay Savings offers personal, business, and commercial banking, along with wealth management and insurance services through related organizations and partners. Its operations, leadership, and community work remain centred in the Kootenays.

Kootenay Savings also operates the Kootenay Savings Community Foundation, established in 2000 to support nonprofit initiatives in areas such as education, health, culture, the environment, social well-being, and economic development. Through the foundation, sponsorships, bursaries, and local partnerships, it supports organizations and projects in the communities it serves.

Kootenay Savings Credit Union

Lakeland Credit Union traces its roots to May 7, 1940, when St. Louis Savings Credit Union was formed in the Bonnyville area of northeastern Alberta. It later operated as Caisse Populaire St. Louis Credit Union and eventually opened membership to all residents of the Bonnyville area. In 1994, the Bonnyville and Cold Lake credit unions amalgamated to create Lakeland Credit Union.

Today, Lakeland serves the Bonnyville and Cold Lake region as a member-owned financial cooperative. It offers personal and business banking, lending, mortgages, investments, and financial advice.

Lakeland’s cooperative model includes annual profit sharing with members and support for local community initiatives. Through financial literacy sessions, local giving, and employee volunteerism, it contributes to the financial well-being of the northeastern Alberta communities it serves.

Lakeland Credit Union Ltd.

Lake View Credit Union was founded in August 1943 in Dawson Creek, British Columbia, in the Peace River region of northeastern British Columbia. It serves members through locations in Dawson Creek, Chetwynd, and Tumbler Ridge. Since 2001, its Tumbler Ridge branch has provided local access to in community financial services.

The credit union offers personal and business banking, borrowing, mortgages, investments, and related financial services. Its service area includes communities connected to agriculture, forestry, energy, mining, and other regional industries.

As a locally owned financial cooperative, Lake View Credit Union is governed by a board elected by its members. Its work focuses on local decision making, member service, and financial support for individuals, businesses, and communities in northeastern British Columbia.

Lake View Credit Union

Libro Credit Union was founded in 1951 by Dutch Catholic immigrants in the Diocese of London, Ontario, who sponsored Theodore J. Smeenk to help establish a cooperative financial institution for their community. An early predecessor name was St. Willibrord Community Credit Union, and Libro later grew through the combination of multiple organizations across southwestern Ontario.

Headquartered in London, Libro is the largest credit union in southwestern Ontario. It serves individuals, families, farms, and businesses with banking, lending, investments, financial coaching, and advice. Libro refers to its members as Owners and shares profits with them through its cooperative model.

Libro is also a certified B Corporation, reflecting verified social and environmental standards alongside financial performance. Its work focuses on member ownership, local financial services, community investment, and support for the economic well-being of southwestern Ontario.

Libro Credit Union

Mainstreet Credit Union was formed in 2013 when Unigasco Community Credit Union in Chatham and Sydenham Community Credit Union in the London Middlesex area joined together. It expanded soon after when Lambton Financial Credit Union in Sarnia and Goderich Community Credit Union joined Mainstreet, broadening its service area across southwestern Ontario.

Mainstreet serves members as a member owned financial cooperative. It offers personal and business banking, borrowing, mortgages, investments, and financial advice, along with agricultural lending and financing for farms and rural businesses.

As a cooperative, Mainstreet reinvests profits into the communities it serves rather than distributing them to outside shareholders. Its work focuses on local ownership, practical advice, and financial services for members, businesses, farms, and communities in southwestern Ontario.

Mainstreet Credit Union

Meridian

Meridian Credit Union is Ontario’s largest credit union. It was formed in 2005 through the merger of Niagara Credit Union and HEPCOE Credit Union, with predecessor roots reaching back more than 80 years. With corporate offices in St. Catharines and Toronto, Meridian serves members across Ontario through digital banking, branches, and business banking centres.

As a member owned cooperative, Meridian offers personal, business, and wealth financial services, including chequing and savings accounts, mortgages, loans, investments, and financial planning. Its wholly owned subsidiary, Meridian OneCap Credit Corp., provides commercial equipment leasing and financing services across Canada.

Meridian has been recognized for workplace practices, including as Ontario’s largest certified living wage employer. In 2026, Meridian became the first provincial credit union approved as a Payments Canada member following expanded eligibility rules.

Meridian Credit Union

Motor City Community Credit Union traces its heritage to 1938, when a credit union was established within the Windsor Star for printing workers and later became known as Printers' Industrial Credit Union. Other workplace based credit unions later served employees in hospitals, automotive plants, municipal departments, and local industries.

Over time, these closed bond credit unions combined their operations and opened membership to residents of Windsor and Essex County. This history reflects the role of workplace and labour based financial cooperatives in the region.

Today, Motor City Community Credit Union serves personal and business members with banking, lending, mortgages, investments, and wealth management services. It operates as a locally governed financial cooperative, with decisions made within the community it serves.

Motor City Community Credit Union Limited

Moya Financial Credit Union was established in January 2016 through the merger of Krek Slovenian Credit Union and Slovenia Parishes Credit Union. Both predecessor institutions had served Ontario’s Slovenian community for more than six decades.

The name Moya is drawn from the Slovenian word moja, meaning my, reflecting the credit union’s member owned cooperative structure and community origins. While its roots are in Ontario’s Slovenian community, membership is open more broadly.

Moya offers personal and business banking, borrowing, mortgages, investments, and related financial services. It operates as a cooperative financial institution focused on member service, local decision making, and financial support for individuals, families, businesses, and community organizations across Ontario.

Moya Financial Credit Union Limited

Newfoundland and Labrador Credit Union (NLCU) is the largest credit union in the province, serving members across communities in Newfoundland and Labrador. It operates as a full-service, member-owned financial institution offering personal and business banking, mortgages, loans, investments, and access to insurance services.

NLCU has been associated with financial service innovation in the province, including early adoption of computerized banking. It has also gained the ability over time to offer certain insurance and benefit products directly to members, reflecting differences in provincial regulatory frameworks.

With provincial roots and a cooperative structure, NLCU provides a local alternative to larger financial institutions. Its services support the financial needs of individuals, families, and businesses across Newfoundland and Labrador.

Newfoundland and Labrador Credit Union Limited

Niverville Credit Union was established in March 1949 in Niverville, Manitoba, by local residents seeking access to financial services within their community. Its early development reflected the role of rural credit unions in providing banking, borrowing, and savings services outside larger urban centres.

In 1983, Niverville Credit Union merged with Landmark Credit Union, extending its service area to another southeastern Manitoba community. Today, it serves members in Niverville, Landmark, and Steinbach.

The credit union offers personal and business banking, loans, mortgages, investments, and related financial services. As a locally owned financial cooperative, Niverville Credit Union focuses on member service, local decision making, and financial support for individuals, businesses, and communities in southeastern Manitoba.

Niverville Credit Union Limited

Northern Credit Union has served residents and businesses across Northern Ontario since 1957, when it was founded in Sault Ste. Marie as Sault Civic Employees Credit Union. Over time, it evolved from an employee based credit union into a community focused cooperative financial institution, growing through mergers with other Northern Ontario credit unions.

In 2025, Northern merged with Copperfin Credit Union under the Northern Credit Union name. It now serves communities across Northern Ontario, from the Manitoba border to the Quebec border, with personal and business banking, lending, mortgages, investments, and financial advice.

As a member owned institution, Northern focuses on local service, regional decision-making, and keeping member dollars connected to the communities, businesses, and families it serves.

Northern Credit Union

Northern Savings Credit Union has roots reaching back to 1940, including through Prince Rupert Fishermen’s Credit Union on British Columbia’s northwest coast. Its early development reflected the need for local financial services in coastal and island communities with distinct geographic and economic conditions.

Over time, several north coast and Haida Gwaii credit unions consolidated, and the Northern Savings name was adopted in the 1990s. Terrace & District Credit Union later joined, extending the credit union’s reach inland while maintaining its regional focus.

Headquartered in Prince Rupert, Northern Savings serves communities in northwestern British Columbia and on Haida Gwaii with personal and business banking, insurance, investing, and financial advice. Its work is focused on local decision-making, member service, and financial support for the coastal, island, Indigenous, and fishing communities it serves.

Northern Savings Credit Union

OMISTA Credit Union has operated in New Brunswick since 1938. Headquartered in Moncton, it serves members through locations in Moncton, Fredericton, and Oromocto.

The credit union offers personal and business banking, mortgages, loans, wealth management, and related financial services. Its operations are focused on serving members in New Brunswick and supporting financial activity within the province.

OMISTA is a Certified B Corporation, a designation connected to social, environmental, governance, and accountability standards. As a member owned financial cooperative, it is governed by directors elected by its members. OMISTA operates as one of the independent English language credit unions in New Brunswick’s cooperative financial sector.

OMISTA Credit Union Limited

Parama Credit Union was established in 1952 by Lithuanian immigrants who came to Canada following the Second World War. Its name means support in Lithuanian, reflecting its original purpose of helping community members access financial services for homes, businesses, and settlement in Canada.

The credit union received its Ontario charter in December 1952, and banking operations began in early 1953. Originally serving Toronto’s Lithuanian community, Parama expanded its membership province wide in 1996 and now welcomes residents across Ontario.

Today, Parama operates from Toronto’s west end and offers personal and business banking, mortgages, loans, investments, and related financial services. It remains connected to Lithuanian Canadian community life while operating as a member owned financial cooperative open to a broader Ontario membership.

Parama Credit Union Limited

Pathwise Credit Union was founded on April 2, 1938, in Oshawa, Ontario, originally as Auto Workers Credit Union. It was created to serve General Motors employees and reflected the automotive and industrial history of Oshawa and Durham Region.

Over the following decades, the credit union expanded beyond its original workplace based membership. In 1978, it installed the first ATM in Durham Region. In 2020, it rebranded from Auto Workers Community Credit Union to Pathwise Credit Union, reflecting its broader membership and service area.

Pathwise operates branches in Oshawa and Bowmanville and serves members across Durham Region. It offers personal and business banking, borrowing, mortgages, investments, and financial advice through a member owned cooperative structure.

Pathwise Credit Union

PenFinancial Credit Union has served Niagara for more than 60 years. Its history includes the consolidation of workplace-based credit unions formed by local workers in sectors such as manufacturing, health care, municipal services, and other community fields. Today, it is headquartered in Welland and operates as a member-owned financial cooperative serving Niagara and Haldimand.

PenFinancial is a certified B Corporation and a Living Wage Employer. It is also recognized by the Ontario Living Wage Network as the only financial institution in Niagara with that designation. The credit union supports renewable energy through Bullfrog Power and funds local initiatives through programs such as the Truly Local Grant Program.

PenFinancial’s work is focused on member service, local reinvestment, and community-based financial services.

PenFinancial Credit Union Limited

Prospera Credit Union was a British Columbia based credit union with roots reaching back to 1943, when Edelweiss Credit Union was founded in Vancouver to serve the German Canadian community. Another predecessor, Fraser Valley Credit Union, was established in Abbotsford in 1949. The two merged in 2002 to form Prospera.

Prospera expanded in 2020 through its merger with Westminster Savings Credit Union, which was described at the time as the largest merger in Canadian credit union history. It served members across the Lower Mainland, Fraser Valley, and Okanagan with personal and business banking, lending, mortgages, investments, and financial advice.

In May 2026, Prospera merged with Coast Capital Savings and Sunshine Coast Credit Union to form Coast Capital Savings Federal Credit Union. Prospera continues as a regional brand within the combined federal credit union.

Prospera Credit Union

Prosperity Credit Union is a Saskatchewan based credit union formed in 2025 through the merger of Diamond North Credit Union, Prairie Centre Credit Union, and Cypress Credit Union. The merger brought together three rural cooperative institutions with roots in different parts of the province.

Prosperity serves members in rural Saskatchewan with personal, business, and agricultural banking, lending, mortgages, investments, and financial advice. Its work focuses on local relationships, member ownership, and financial services for families, farms, businesses, and communities.

As a member owned cooperative, Prosperity’s stated purpose is connected to the financial well-being of its members and the long term strength of the communities it serves. Its identity reflects rural Saskatchewan, local ownership, and cooperative financial service.

Prosperity Credit Union

Provincial Credit Union is Prince Edward Island's largest credit union and one of the largest credit unions in Atlantic Canada. It was formed in 2021 through the amalgamation of Évangéline-Central, Malpeque Bay, Provincial, and Tignish Credit Unions. The merger brought together PEI cooperative institutions with local histories across the province.

Headquartered in Charlottetown, Provincial Credit Union serves communities across PEI with personal and business banking, lending, mortgages, investments, and financial advice. As a member owned institution, it focuses on local service, community reinvestment, and the cooperative principle that members are also owners.

Provincial has also been recognized as one of Canada's Top 100 Employers. Its work combines the local relationships of its predecessor credit unions with the scale of a province wide cooperative financial institution.

Provincial Credit Union

Radius Credit Union is a rural Saskatchewan credit union headquartered in Ceylon. It was formed through the amalgamation of community credit unions in the Ogema, Pangman, and Radville areas, with roots spanning more than 70 years.

Radius serves communities across southern Saskatchewan, including Avonlea, Ceylon, Earl Grey, Ogema, Pangman, Radville, Torquay, and Tribune. It provides personal, agricultural, and business banking services, including accounts, borrowing, mortgages, investments, and financial advice.

As a member owned cooperative, Radius is governed by a board elected from its membership. Its operations reflect a rural service model, with staff and directors connected to the communities it serves and a focus on local financial needs, agriculture, small businesses, and community development.

Radius Credit Union Limited

Rocky Credit Union was established in 1976 a merger of two credit unions. It operates from a single Rocky Mountain House location in central Alberta and serves personal, business, and agricultural members in Rocky Mountain House and the surrounding region.

The credit union offers banking, borrowing, mortgages, investments, and related financial services. Its structure reflects a local cooperative model, with ownership by members and governance through a board elected by the membership.

Rocky Credit Union also operates a Profit Share program that returns a portion of profits to eligible members based on their financial relationship with the credit union. Its work focuses on local decision making, member service, and financial support for households, farms, businesses, and community organizations in the Rocky Mountain House area.

Rocky Credit Union Ltd.

Rosenort Credit Union was founded on March 6, 1940, when members of the Rosenort community in southern Manitoba purchased shares to create a local financial cooperative. From its origins in a community with Mennonite roots, the credit union developed around member ownership, local decision-making, and financial service for residents and businesses in the area.

Rosenort Credit Union now serves members in Rosenort, Altona, Winkler, and the surrounding Pembina Valley region. Its services include personal, agricultural, and business banking.

The credit union remains locally focused and relationship based. Its work is centred on providing financial support for southern Manitoba families, farms, and businesses while maintaining a cooperative structure governed by its members.

Rosenort Credit Union Limited

Salmon Arm Savings and Credit Union, widely known as SASCU, was established in 1946 in Salmon Arm, British Columbia. It was created as a cooperative financial institution serving local residents and businesses in the Shuswap region.

SASCU operates as a local financial group, offering personal and business banking, lending, insurance, investments, and wealth management services. Its cooperative structure means members are also owners, with directors elected by the membership to oversee the organization.

SASCU has maintained a local focus throughout its history. Its work is centred on financial services for residents, businesses, and community organizations in the Shuswap, with decision-making connected to the region it serves.

Salmon Arm Savings and Credit Union

Servus Credit Union traces its roots to 1938, when Alberta credit unions began forming in response to limited access to banking during the Great Depression. Headquartered in Edmonton, Servus grew through decades of Alberta credit union amalgamations and became a province wide financial cooperative.

In 2024, Servus merged with connectFirst Credit Union in a transaction described as the largest merger in Canadian credit union history. In 2025, Servus was recognized as Canada’s largest credit union by total assets.

Servus offers personal and business banking, wealth management, and insurance services. Its Profit Share® program rewards eligible members based on their relationship with the credit union. Eligible deposits are fully guaranteed by the Credit Union Deposit Guarantee Corporation, with protection up to any dollar amount for Alberta credit union deposits.

Servus Credit Union

Sharon's Credit Union was founded in 1988 to serve Korean Canadian communities in Vancouver and the Lower Mainland. Its name is derived from the Rose of Sharon, the national flower of Korea, reflecting the cultural background of its founding community. The credit union received its British Columbia charter and began operations in 1989.

Headquartered in Vancouver, Sharon's provides personal and business banking services, including accounts, borrowing, mortgages, investments, and financial advice. Insurance services are also available through a related division.

Although its roots are in the Korean Canadian community, membership is open to a broader public. Sharon's operates as a member owned financial cooperative serving individuals, businesses, and communities across the Lower Mainland.

Sharon's Credit Union

Steinbach Credit Union (SCU) was founded in 1941 in Steinbach, Manitoba. Its early records were kept in a small scribbler, and the credit union grew from local community origins into one of Manitoba’s largest credit unions and one of the largest credit unions in Canada.

SCU is known for expanding primarily through organic growth rather than mergers. From its base in southeastern Manitoba, it later expanded into Winnipeg while maintaining a focused service model built around member relationships and financial advice.

SCU serves personal, business, and agricultural members with banking, lending, investment, and wealth management services. Its work focuses on tailored advice, practical financial solutions, and long term service for members, businesses, farms, and communities.

Steinbach Credit Union

StellerVista Credit Union was formed in 2023 through the merger of Heritage Credit Union and East Kootenay Community Credit Union. The StellerVista name is new, but the combined organization carries more than 70 years of cooperative banking history in the Kootenay and Boundary regions of British Columbia.

Headquartered in Cranbrook, StellerVista serves communities in southeastern British Columbia with personal and business banking, lending, mortgages, investments, insurance, and financial advice. Its public messaging emphasizes local service, regional knowledge, and community investment.

As a member-owned cooperative, StellerVista returns value to members and communities through patronage rewards, dividends, and donations. Its work is focused on local decision-making, member service, and supporting the financial needs of the communities it serves.

StellerVista Credit Union

Stride Credit Union is a Manitoba based credit union serving the Central Plains region. It was formed in 2017 through the amalgamation of Austin Credit Union and Portage Credit Union, and later expanded through its merger with Beautiful Plains Credit Union. These predecessor institutions brought local cooperative banking roots from communities across central Manitoba.

Headquartered in Portage la Prairie, Stride serves personal, business, and agricultural members with banking, lending, mortgages, investments, and financial advice. Its work is focused on practical financial service for families, farms, businesses, and local organizations in the region.

Stride emphasizes local insight and local decision-making. Lending decisions are made by people who live and work in the same communities they serve, supporting a cooperative model connected to member and community needs.

Stride Credit Union

St. Stanislaus St. Casimir's Polish Parishes Credit Union was founded on August 9, 1945, at St. Stanislaus Roman Catholic Parish in Toronto. It was established by Oblate Fathers to provide financial services for members of the Polish Catholic community. A second office opened in 1958 at St. Casimir's Roman Catholic Parish.

Headquartered on Roncesvalles Avenue in Toronto, the credit union serves members across Ontario with personal and business banking, mortgages, loans, investments, and related financial services.

The credit union also has a cultural role within Ontario’s Polish Catholic community. It owns and produces Polish Studio, a Polish language television program that has aired weekly on CityTV since 1988.

St. Stanislaus – St. Casimir's Polish Parishes Credit Union Limited

Sudbury Credit Union was established on September 13, 1951, in Copper Cliff, Ontario, and was originally incorporated as Copper Cliff Community Credit Union. Copper Cliff is now part of Greater Sudbury, and the credit union was created to serve the financial needs of residents in the local mining community.

Over time, Sudbury Credit Union grew into a full service financial institution serving the broader Greater Sudbury region. It provides personal, business, and community banking services, including accounts, borrowing, mortgages, investments, and financial advice.

As a locally owned cooperative, Sudbury Credit Union is governed by directors elected by its members. It also directs 5% of pre tax profits each year to local sponsorships and donations, supporting organizations and initiatives in the communities it serves.

Sudbury Credit Union Limited

Sunova Credit Union

Sunrise Credit Union was formed in 2008 through the merger of Virden, Turtle Mountain, Hartney, Tiger Hills, and Cypress River Credit Unions. These predecessor institutions brought together cooperative roots in western Manitoba, creating a member owned financial institution serving rural and small town communities.

Headquartered in Brandon, Sunrise serves communities across southwestern Manitoba with personal and business banking, lending, mortgages, investments, and financial advice. Its work focuses on local service, member ownership, and financial support for the communities where its members live and work.

Sunrise also supports community initiatives through sponsorships, local partnerships, and its Building Communities Grant Program, which provides funding for Manitoba projects and organizations. Its approach reflects the cooperative role of local credit unions in serving residents, businesses, and families across the region.

Sunrise Credit Union

Sunshine Coast Financial, formerly Sunshine Coast Credit Union, traces its roots to 1941, when Roberts Creek Credit Union was founded by local residents on British Columbia’s Sunshine Coast. Over time, it grew into a financial institution serving coastal communities in the region.

Sunshine Coast Credit Union offered personal and commercial banking with a focus on local service, member relationships, and community participation. Its work was connected to the residents, businesses, and organizations of the Sunshine Coast.

On May 6, 2026, Sunshine Coast Credit Union merged with Coast Capital Savings and Prospera Credit Union to form Coast Capital Savings Federal Credit Union. It now operates under the Sunshine Coast Financial name within the combined federal credit union organization, maintaining a regional identity as part of a larger cooperative financial institution.

Sunshine Coast Credit Union

Swan Valley Credit Union has served the Swan River Valley of northwestern Manitoba since 1953. The region’s cooperative banking history also includes Crestview Credit Union, formed in 1939 as an early credit union in the valley. Swan Valley Credit Union and Crestview merged in 1965.

Headquartered in Swan River, the credit union serves members through locations in Swan River and Benito. It provides personal, agricultural, and commercial banking services, including accounts, borrowing, mortgages, investments, and related financial advice.

As a member owned cooperative, Swan Valley Credit Union focuses on local decision making and financial services for communities in the region. It also supports local organizations, events, programs, and Tigers Credit Union, a student run credit union in the valley.

Swan Valley Credit Union Limited

Synergy Credit Union was a Saskatchewan based credit union founded in 1943 as Lloydminster Savings and Credit Union. Based in Lloydminster, it grew into one of Saskatchewan’s larger cooperative financial institutions, serving members across west central Saskatchewan.

Synergy offered personal, business, and agricultural banking, along with lending, investments, and financial advice. Its work focused on local service, member ownership, and community reinvestment. The credit union was also recognized as one of Saskatchewan’s Top Employers.

Synergy returned earnings to members, employees, and community initiatives through programs such as Synergy Shares. On January 1, 2026, Synergy amalgamated with Conexus and Cornerstone Credit Unions under the Conexus Credit Union name, continuing its regional cooperative banking history within a larger province wide financial institution.

Synergy Credit Union

Tandia Financial, now a division of Alterna Savings, was formed in 2014 through the merger of Teachers Credit Union and Prosperity ONE Credit Union. Its predecessor institutions had southern Ontario cooperative roots dating to 1940 and 1957, including connections to the education and community service sectors.

Operating under the Tandia Financial name, the credit union served members in Hamilton, Halton, Brant, and surrounding communities with personal and business banking, lending, mortgages, investments, and financial advice. Its work focused on member ownership, local service, and cooperative financial services for individuals, families, and businesses.

In 2026, Tandia Financial joined Alterna Savings and Credit Union. It continues to serve members as Tandia Financial, a division of Alterna Savings, within a larger Ontario cooperative financial institution.

Tandia Credit Union

TCU Financial Group traces its origins to November 4, 1952, when 17 charter members formed the Saskatchewan Teachers’ Federation Savings & Credit Union to provide cooperative financial services for teacher members. The TCU name reflects those teacher credit union roots, although the institution has since evolved into a full-service credit union serving individuals, organizations, and businesses across Saskatchewan.

Headquartered in Saskatoon, with locations in Saskatoon and Regina, TCU offers personal and business banking, lending, mortgages, wealth management, and financial planning. As a member-owned cooperative, it focuses on local service, practical advice, and financial solutions for Saskatchewan members and communities.

TCU supports community initiatives through partnerships and member-focused service, while maintaining its cooperative structure and regional focus.

TCU Financial Group

The Police Credit Union was founded in 1946 to serve the policing community in Toronto. In 1967, it was formally incorporated as Metro Toronto Police Credit Union Limited. Over time, its membership expanded beyond Toronto to include police services across Ontario, and its name was later updated to reflect that broader scope.

Today, The Police Credit Union serves employees and retired members of police services in Ontario, along with staff of related police associations and organizations. Headquartered in Toronto, it offers personal banking, borrowing, mortgages, investments, and related financial services.

The credit union also supports the policing community through scholarships, bursaries, and contributions to organizations such as the Ontario Police Memorial Foundation.

The Police Credit Union Limited

Tru Cooperative Bank, formerly First West Credit Union, is a British Columbia based federal credit union with roots reaching back to 1946 through its predecessor organizations. First West was formed in 2010 through the merger of Envision Financial and Valley First Credit Union, and later expanded through Enderby & District Financial and Island Savings.

The organization operates through regional brands, including Envision Financial, Valley First, Island Savings, and Enderby & District Financial. This structure allows members to continue using familiar local brands while accessing the resources of a larger cooperative financial institution.

In April 2026, First West completed its transition to federal regulation and began operating under the legal name Tru Cooperative Bank. Its regional brands continue to provide day to day banking, business services, and wealth management, while the federal structure allows the cooperative to serve members across Canada.

Tru Cooperative Bank

Ukrainian Credit Union (UCU) was founded in Toronto in 1944 by members of the Ukrainian National Federation. Created within the Ukrainian Canadian community during the Second World War period, it provided a member owned financial institution for people seeking cooperative banking services and community based support.

Over the decades, UCU has grown into the largest Ukrainian credit union in Canada. It serves members across Ontario while maintaining a connection to Ukrainian culture, community organizations, and cooperative values. Membership is open to Ukrainian Canadians and like minded individuals who support its mission.

UCU supports Ukrainian cultural, educational, charitable, and community organizations. Since 2022, it has also supported newly arriving Ukrainians in Canada following the Russia-Ukraine conflict, through banking services and related financial support.

Ukrainian Credit Union

UNI Financial Cooperation is the largest Acadian francophone financial institution in Canada. Its roots reach back to 1936, when the first Caisse populaire acadienne was founded in Petit Rocher, New Brunswick. Its development was connected to the use of the cooperative model to expand financial access, local ownership, and economic participation in Acadian communities.

Headquartered in Caraquet, UNI serves communities across New Brunswick with personal, business, wealth, and insurance services. In 2016, it became the first credit union in Canada to obtain a federal charter, placing it under the federal credit union framework.

UNI continues to operate with a local and francophone identity, providing cooperative financial services for members, businesses, and community development in New Brunswick.

UNI Financial Cooperation

Unity Credit Union was incorporated on August 28, 1941, in Unity, Saskatchewan, originally as Unity and District Savings and Credit Union Limited. It operates from a single location in Unity and serves the town and surrounding rural communities.

The credit union provides personal, agricultural, and business banking services, including accounts, borrowing, mortgages, investments, and related financial advice. As a member owned cooperative, it is governed by directors elected by its members.

Unity Credit Union shares surplus profits with members and communities through patronage payments, returned service fees, scholarships, donations, and other local support. Member deposits are fully guaranteed through the Credit Union Deposit Guarantee Corporation of Saskatchewan.

Unity Credit Union Limited

Vancouver City Savings Credit Union, known as Vancity, is Canada’s largest community credit union and is headquartered in Vancouver, British Columbia. It was founded in 1946 by Vancouver residents who wanted to expand access to banking and credit through an open bond, community based cooperative.

Vancity has been associated with several developments in Canadian financial services. It was the first financial institution in Canada to provide mortgages to women without a male co-signer, and it introduced Canada’s first daily interest savings account and first socially responsible mutual fund.

Today, Vancity serves members in communities across British Columbia with personal and business banking, lending, mortgages, investments, and financial advice. Through its Shared Success program, Vancity shares a portion of profits with members and communities.

Vancity Credit Union

VantageOne Credit Union was established in 1944 in Vernon, British Columbia, originally as Vernon and District Credit Union. It is headquartered in the North Okanagan and serves communities across the region through branch locations and related services.

VantageOne offers personal and business banking, borrowing, mortgages, insurance, investments, and equipment leasing. It also operates VantageOne Realty as a wholly owned subsidiary providing real estate services in the region.

As a member owned financial cooperative, VantageOne is governed by a board elected by its members. Its operations focus on local decision making, member service, and financial support for individuals, businesses, and communities in the North Okanagan.

VantageOne Credit Union

Vision Credit Union traces its roots to Camrose, Alberta, where it began around 1950 as a cooperative financial resource for employees at a local seniors care facility. It has since grown into one of Alberta’s larger credit unions while maintaining a focus on rural communities.

Vision offers personal, business, and agricultural banking, including products and advice for farmers and ranchers. The credit union states that member deposits and profits are invested back into Alberta through local loans, mortgages, community contributions, and member dividends.

Its profit sharing program returns a portion of earnings to members. Vision’s work is focused on rural Alberta, local relationships, practical financial service, and support for families, farms, businesses, and communities in the regions it serves.

Vision Credit Union

Weyburn Credit Union has served southeastern Saskatchewan for more than 80 years as a locally owned and democratically governed financial cooperative. It provides personal, business, agricultural, and wealth services for members in Weyburn and the surrounding area.

As a cooperative, Weyburn Credit Union returns value to members through bonuses, rebates, service improvements, and community reinvestment rather than distributing profits to outside shareholders. Its local focus is also reflected in support for community projects, including its role in the Credit Union Spark Cinema project in Weyburn.

Weyburn Credit Union’s work is centred on practical financial service, local decision-making, and support for the members, businesses, farms, and communities it serves.

Weyburn Credit Union Limited

Williams Lake and District Credit Union was founded in 1952 and is headquartered in Williams Lake, British Columbia, in the Cariboo region. It serves members in central British Columbia through locations in Williams Lake, 100 Mile House, and Bella Coola.

The credit union offers personal and business banking, borrowing, mortgages, investments, and related financial services. Its service area includes both interior communities and Bella Coola, a remote coastal community connected to the Cariboo by mountain highway and air access.

As a locally governed financial cooperative, Williams Lake and District Credit Union is owned by its members and overseen by a member elected board. Its work focuses on local decision making, member service, and financial support for households, businesses, and communities across its regional service area.

Williams Lake and District Credit Union

Founded in Windsor in 1940, Windsor Family Credit Union, now operating as WFCU Credit Union, grew from local cooperative roots in Windsor Essex into one of Ontario’s largest credit unions. Its history includes the amalgamation of workplace and community based credit unions connected to southwestern Ontario.

WFCU has expanded across the province through mergers and partnerships, including with Rapport Credit Union, Education Credit Union, and Healthcare Credit Union, which continue as divisions within the WFCU family. This structure allows WFCU to serve a broader Ontario membership while maintaining community and sector based divisions.

Today, WFCU offers personal and business banking, lending, mortgages, investments, and financial advice. It also maintains a community presence in Windsor, including through the WFCU Centre, the city’s major sports and entertainment venue and home of the Windsor Spitfires.

Windsor Family Credit Union

Your Credit Union traces its roots to 1950, when Ottawa Municipal Employees Credit Union was established to serve City of Ottawa workers. Over time, mergers brought together several workplace based credit unions in the Ottawa region, including institutions originally serving teachers, newspaper employees, and municipal staff.

In 1999, the credit union expanded to Cornwall through a merger that included Howard Smith Credit Union. It adopted the name Your Credit Union in 2004 and became an open bond credit union in 2009, allowing membership to extend beyond its original workplace groups.

Today, Your Credit Union serves members in Ottawa, Cornwall, and surrounding communities. It offers personal and business banking, lending, mortgages, investments, and related financial services through a member owned cooperative structure.

Your Credit Union Limited

Your Neighbourhood Credit Union (YNCU) traces its roots to 1947, when St. Louis Parish Credit Union began in Waterloo to promote thrift and provide loans to its members. Through mergers with community and workplace based credit unions, including the 2007 combination of Grand River Credit Union and the original Your Neighbourhood Credit Union, YNCU grew into one of Ontario’s larger cooperative financial institutions.

Headquartered in Kitchener, YNCU serves communities across southwestern Ontario and, through Community First, a division of YNCU, parts of northern Ontario. It offers personal and business banking, lending, mortgages, investments, and financial advice.

YNCU also provides financial literacy resources through YNCUniversity, an online hub covering topics such as financial planning, saving, fraud awareness, and everyday money management for members and the broader public.

Metric	2025	YoY Change
Assets	$7.2B	-3.1%
Loans	$6.2B	-5.1%
Deposits	$6.0B	-3.1%
Mortgages + HELOCs	$4.5B	+5.0%
Efficiency Ratio	82.1%	—
Members	92,000	—
Branches	19	—
Target Members	Southern Ontario	—

Lender	Term	Rate
	6-Month Fixed	9.99%
	1-Year Fixed	4.99%
	2-Year Fixed	4.89%
	3-Year Fixed	4.34%
	4-Year Fixed	4.54%
	5-Year Fixed	4.24%
	3-Year Variable	4.15%
	5-Year Variable	3.90%
^* Rates are for informational purposes only and reflect the lowest rates available. Rates may change at any time and may be applicable only to certain borrowers. Terms and conditions apply.

DUCA Financial

Mortgage Rates