Frontline Credit Union
This Page's Content Was Last Updated: July 21, 2026
Credit Union
Frontline
Frontline Credit Union is a credit union located in Ontario. It was founded in 1948. It primarily serves Predominantly Fire, Health and Police and Hydro services employees in Ottawa.
Frontline Credit Union was founded in 1948 by Ottawa firefighters as a cooperative financial institution for emergency services workers and their families. Its membership later expanded to include people connected to fire, health, hydro, and other community services in the Ottawa region.
Headquartered in Ottawa’s Westboro area, Frontline offers personal banking, borrowing, mortgages, investments, insurance, and related financial services. Its history includes both workplace based and community based membership.
Frontline Credit Union operates as a member owned financial cooperative governed by directors elected by its members. It has a patronage program for eligible members.
Provinces served
Chequing and Savings Accounts
The account-related data on this page was last updated on July 20, 2026.
Chequing Accounts
Chequing Account
1. Account: CU GOLD CHEQUING
- Standard Fee
- $11.95/mo
- Free Transactions
- Unlimited
- Insurance Limit (Non-Registered)
- $250,000 per depositor
- Insurance Limit (Registered)
- Unlimited
Account details
- This account allows Unlimited free transactions.
*Interest Rate Breakdown by Balance
Balance amount Interest rate $0 to $24,999 0.00% $25,000 or over 0.25% - Frontline's original unlimited-transaction chequing account at $11.95 a month, covering unlimited point-of-sale purchases, branch ATM withdrawals and deposits, and surcharge-free EXCHANGE Network transactions under one flat rate. It also includes free personalized duplicate cheques, free credit union certified cheques, and tiered daily interest paid monthly, with no minimum balance required.
Deposit Insurance
Deposits are insured by the Financial Services Regulatory Authority of Ontario (FSRA), via the Deposit Insurance Reserve Fund (DIRF).
Chequing Account
2. Account: E-CHEQUING
- Standard Fee
- Free
- Free Transactions
- Unlimited
- Insurance Limit (Non-Registered)
- $250,000 per depositor
- Insurance Limit (Registered)
- Unlimited
Account details
- This account allows Unlimited free transactions.
- A no-monthly-fee account built for members who bank almost entirely online, on mobile, or at EXCHANGE Network ATMs, requiring direct deposit to qualify. Unlimited chequing transactions, electronic and pre-authorized debits and credits, online bill payments, point-of-sale purchases, and e-statements are all free, along with a first personalized cheque order of 100. The tradeoff is that in-branch and telephone transactions carry their own charges, unlike Frontline's paid tiers.
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: PLATINUM SAVINGS
- Interest Rate
- 0.25%*
- Standard Fee
- Free
- Insurance Limit (Non-Registered)
- $250,000 per depositor
- Insurance Limit (Registered)
- Unlimited
*Interest Rate Breakdown by Balance
Balance amount Interest rate $0 to $5,000 0.25% $5,000 to $50,000 0.50% $50,000 or over 0.75% - Frontline's premium daily interest savings account, paying its best rate on a tiered scale that steps up at $5,000 and again above $50,000, without locking your money away. There's no minimum balance to open, and it's also available as a TFSA, RRSP, or RRIF. It can't be attached to a debit card, keeping it a pure savings vehicle rather than a spending account.
Deposit Insurance
Deposits are insured by the Financial Services Regulatory Authority of Ontario (FSRA), via the Deposit Insurance Reserve Fund (DIRF).
Credit Union Overview
| Metric | 2025 | 5-Year Change |
|---|---|---|
| Assets | $256M | N/A |
| Loans | $234M | N/A |
| Deposits | $241M | N/A |
| Mortgages + HELOCs | $190M | N/A |
| Revenue | $5M | N/A |
| Efficiency Ratio | 84.4% | — |
| Members | ~5,000 | — |
| Branches | 2 | — |
| Target Members / Region | Predominantly Fire, Health, Police and Hydro services employees in Ottawa | — |
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Contact
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