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

Accent Credit Union was formed in 2010 through the merger of Quill Lake Credit Union and Kelvington Credit Union. The merger combined two community credit unions in east central Saskatchewan under one financial cooperative.

Accent serves members in Kelvington, Quill Lake, Jansen, and nearby communities. It offers personal and business banking, borrowing, mortgages, investments, insurance, and related financial services.

The credit union operates as a member owned cooperative governed by directors elected by its members. Its services are used by households, farms, businesses, and organizations in its regional service area.

Accent Credit Union

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

Bay Credit Union was founded in 1946 in Port Arthur, Ontario, as People's Cooperative Credit Union Limited. It was established to serve the city’s Finnish speaking community. After Port Arthur and Fort William amalgamated to form Thunder Bay in 1970, the credit union’s service area expanded, and it adopted the Bay Credit Union name in 1975.

In 2015, Bay Credit Union joined with Apple Community Credit Union, whose history included earlier workplace based credit union amalgamations in northwestern Ontario.

Today, Bay Credit Union serves members in Thunder Bay and the surrounding region. It offers personal and business banking, borrowing, mortgages, credit cards, investments, and related financial services.

Bay Credit Union

Beaubear Credit Union was founded in 1938 in Nelson, New Brunswick, on the Miramichi River. Its name is drawn from Beaubear Island, located where the branches of the Miramichi River meet. In 1979, Miramichi Credit Union joined with Beaubear, extending the credit union’s presence across the local region.

Today, Beaubear Credit Union serves members through locations in Miramichi. It offers personal and business banking, borrowing, mortgages, investments, wealth management, and related financial services.

Beaubear Credit Union operates as a member owned financial cooperative governed by directors elected by its members. Member deposits are protected through New Brunswick’s credit union deposit protection framework.

Beaubear 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

Belgian Alliance Credit Union is a Winnipeg based credit union formed in 2001 through the merger of Belgian Credit Union and Alliance Credit Union. Belgian Credit Union traced its roots to a financial cooperative serving Belgian parishioners in Winnipeg. Its membership later expanded to include people of Belgian and Dutch origin and then a broader Manitoba membership.

Alliance Credit Union was formed through the amalgamation of Adanac, Communicators, and Progress Vera credit unions. The 2001 merger combined these predecessor institutions under one cooperative financial institution.

Headquartered in Winnipeg, Belgian Alliance Credit Union serves members across Manitoba with personal and business banking, borrowing, mortgages, investments, and related financial services.

Belgian Alliance Credit Union

Bengough Credit Union was founded in 1943 in Bengough, Saskatchewan. It operates as an independent member owned financial cooperative serving communities in the southern part of the province.

The credit union serves members through locations in Bengough and Willow Bunch. It provides personal, agricultural, and business banking services, including accounts, borrowing, mortgages, investments, and related financial advice.

Bengough Credit Union is governed by directors elected by its members. Its members include households, farms, businesses, and organizations in the surrounding rural area. Member deposits are fully guaranteed through Saskatchewan’s credit union deposit guarantee system.

Bengough Credit Union

Biggar & District Credit Union was established in 1949 in Biggar, Saskatchewan. It serves communities in west central Saskatchewan through locations in Biggar, Landis, and Perdue.

The credit union provides personal, agricultural, and commercial banking services, including chequing and savings accounts, borrowing, mortgages, credit cards, wealth management, insurance, and accounting related services.

Biggar & District Credit Union operates as a member owned financial cooperative governed by a board elected by its members. Its members include households, farms, businesses, and organizations in its regional service area.

Biggar & District 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.

Bruno Savings & Credit Union traces its roots to 1938, when it was founded as St. Bruno's Parish Savings and Credit Union in Bruno, Saskatchewan. It adopted the Bruno Savings and Credit Union name in 1961. In 1995, La Caisse Populaire de Prud'homme Savings and Credit Union amalgamated with Bruno Savings and Credit Union, extending its connection to Prud'homme.

Today, Bruno Savings & Credit Union serves members in Bruno and the surrounding region. It offers personal banking, borrowing, mortgages, investments, credit cards, and related financial services.

Bruno Savings & Credit Union operates as a member owned financial cooperative. Member deposits are fully guaranteed through Saskatchewan’s credit union deposit guarantee system.

Bruno Savings & Credit Union

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

Caisse populaire de Clare is a member owned cooperative financial institution serving the Municipality of Clare on Nova Scotia’s French Shore, a major Acadian community in the province. Headquartered in Church Point along St. Mary’s Bay, it provides personal and business banking services in French and English.

The caisse offers chequing and savings accounts, borrowing, mortgages, credit cards, investments, and related financial services. Its members include individuals, businesses, and organizations in the Clare region.

Caisse populaire de Clare received a Prime Minister’s Volunteer Award in 2012. Member deposits are protected through the Nova Scotia Credit Union Deposit Insurance Corporation.

Caisse populaire de Clare

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

Cape Breton Credit Union traces its roots to 1932, when Dosco Employees Credit Union was established in Sydney to serve workers connected to the local steel industry. It later operated as Steel Centre Credit Union. Another predecessor, Coady Credit Union, was founded in 1933 in Glace Bay to serve members in the local mining community.

In January 2017, Steel Centre Credit Union and Coady Credit Union amalgamated to form Cape Breton Credit Union. Today, the credit union serves members through locations in Sydney and Glace Bay.

Cape Breton Credit Union offers personal and business banking, borrowing, savings, investments, and related financial services. Member deposits are protected through the Nova Scotia Credit Union Deposit Insurance Corporation.

Cape Breton 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

Christian Credit Union was incorporated in 1952 in Edmonton, Alberta, as Edmonton Christian Reformed Savings and Credit Union. It was founded by Dutch Canadian immigrants connected to the Christian Reformed Church.

Over time, the credit union broadened its membership from its original church connected base to individuals and organizations aligned with its Statement of Faith. In 2003, it amalgamated with Dutch Canadian Savings and Credit Union in Lethbridge, adding a second service location.

Today, Christian Credit Union operates from Edmonton and Lethbridge and offers personal, business, and nonprofit banking services, including accounts, borrowing, mortgages, investments, and related financial advice.

Christian Credit Union

Churchbridge Credit Union was incorporated on April 20, 1945, as Churchbridge Savings and Credit Union in Churchbridge, Saskatchewan. In 2000, it adopted its current name following a branch renovation that also introduced ATM service.

Today, Churchbridge Credit Union serves members in eastern Saskatchewan through three locations. It offers personal, agricultural, and business banking, borrowing, mortgages, investments, insurance, and related financial services.

The credit union operates as a member owned financial cooperative governed by directors elected by its members. It has a patronage program for eligible members. Member deposits are fully guaranteed through Saskatchewan’s credit union deposit guarantee system.

Churchbridge 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

Coastal Financial Credit Union has served southwest Nova Scotia since 1937. Headquartered in the Yarmouth area, it serves communities along the Acadian and South Shore coastlines, including Yarmouth, Tusket, Wedgeport, Pubnico, and Barrington.

The credit union offers personal and business banking, borrowing, mortgages, investments, insurance, and related financial services. Membership is open to individuals and businesses in the communities it serves.

Coastal Financial Credit Union operates as a member owned financial cooperative governed by directors elected by its members. Member deposits are protected through the Nova Scotia Credit Union Deposit Insurance Corporation.

Coastal Financial 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

Compass Credit Union was formed in January 2018 through the merger of Erickson Credit Union and Crocus Credit Union. Erickson Credit Union was founded in 1952 in Erickson, Manitoba. Crocus Credit Union originated in Brandon in 1952 as Brandon Terminal Credit Union Society, which was established by employees of Canadian Pacific Railways.

The merger combined two western Manitoba credit unions with histories in rural community banking and workplace based cooperative finance.

Today, Compass serves members in Brandon, Erickson, and surrounding communities. It offers personal, business, and agricultural banking, borrowing, mortgages, investments, credit cards, and related financial services.

Compass 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

Consolidated Credit Union is a Prince Edward Island credit union headquartered in Summerside. It serves members in the western part of the province with personal and business banking, chequing and savings accounts, loans, mortgages, investments, credit cards, financial planning, and insurance related services.

The credit union operates as a member owned financial cooperative governed by directors elected by its members.

Consolidated Credit Union is also associated with community programs, including the naming partnership for Consolidated Credit Union Place in Summerside and participation in the Each One, Teach One financial literacy program. Member deposits are protected through the PEI Credit Union Deposit Insurance Corporation.

Consolidated 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)

Creston and District Credit Union was established on July 31, 1951, when residents of the Creston Valley formed a local financial cooperative. The credit union received its charter that year and has served the community since.

In 1984, Creston and District Credit Union introduced ATM service in Creston. Today, it remains an independent financial cooperative headquartered in Creston, British Columbia, and serves the Creston Valley in the East Kootenay region.

The credit union offers personal and business banking, borrowing, mortgages, investments, insurance, and related financial services. It operates as a member owned cooperative governed locally.

Creston and District Credit Union

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

Dodsland and District Credit Union is a community credit union serving Dodsland and the surrounding area in west central Saskatchewan. Headquartered in Dodsland, it provides personal, agricultural, and business banking services, including accounts, borrowing, savings, investments, and related financial advice.

Dodsland and District Credit Union operates as a member owned financial cooperative governed by directors elected by its members. Its members include households, farms, businesses, and organizations in the region.

The credit union has also been involved in local capital projects, including financing support for the Dodsland Arena Rebuild. Member deposits are fully guaranteed through Saskatchewan’s credit union deposit guarantee system.

Dodsland and District Credit Union

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

Edam Credit Union was established on September 21, 1943, as Edam and District Savings and Credit Union Limited in Edam, Saskatchewan. Over time, the credit union adopted its current name and continued serving members in northwestern Saskatchewan.

Today, Edam Credit Union operates from its Main Street location in Edam. It provides personal, agricultural, and business banking services, including accounts, borrowing, mortgages, investments, and related financial services.

Edam Credit Union operates as a member owned cooperative governed by directors elected by its members. Member deposits are fully guaranteed through Saskatchewan’s credit union deposit guarantee system.

Edam 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

Flin Flon Credit Union was incorporated in January 1940 as Alpha Credit Union Society in northern Manitoba. It adopted the Flin Flon Credit Union name in 1959 and has operated from its Main Street location in Flin Flon since 1961.

The credit union operates as an independent financial cooperative serving Flin Flon and the surrounding area. It offers personal and business banking, borrowing, mortgages, investments, and related financial services.

Flin Flon Credit Union operates as a member owned cooperative governed by directors elected by its members. It has a Member Equity Plan for eligible members. Member deposits are guaranteed without limit by the Deposit Guarantee Corporation of Manitoba.

Flin Flon Credit Union

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.

Frontline 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

Ganaraska Credit Union, also known as Ganaraska Financial Credit Union, is a community credit union based in Port Hope, Ontario. It has served members in Northumberland County for more than eight decades and is named after the Ganaraska River, which flows through the region.

The credit union serves members through locations in Port Hope and Cobourg. It offers personal and business banking, borrowing, mortgages, investments, insurance, and related financial services.

Ganaraska Credit Union operates as a member owned financial cooperative governed by directors elected by its members. Eligible deposits are protected under Ontario’s credit union deposit protection framework.

Ganaraska Credit Union

Greater Vancouver Community Credit Union received its charter on June 5, 1940, making it one of the early credit unions established in British Columbia. Its roots include credit union study clubs organized during the Depression era and a Catholic parish based cooperative before membership broadened over time.

Today, Greater Vancouver Community Credit Union serves members across the Lower Mainland through locations in Vancouver, Burnaby, and Surrey. It offers personal and business banking, borrowing, mortgages, investments, wealth management, and related financial services.

In April 2026, Greater Vancouver Community Credit Union and Cascadia Credit Union announced that they were exploring a potential merger, with a member vote expected later in 2026.

Greater Vancouver Community 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

iNova Credit Union traces its origins to April 1, 1936, when postal workers in Halifax founded Halifax District Postal Credit Union. It was established as a financial cooperative for employees connected to Canada Post.

After later name changes, the credit union opened membership to the broader community and adopted the iNova name. Based on Almon Street in Halifax, iNova serves members in the Halifax region with personal and business banking, borrowing, mortgages, investments, and related financial services.

iNova is also exploring a potential merger with East Coast Credit Union, Acadian Credit Union, and Teachers Plus Credit Union. Member deposits are protected through the Nova Scotia Credit Union Deposit Insurance Corporation.

iNova 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

Kerrobert Credit Union was incorporated in May 1963 in Kerrobert, Saskatchewan. It purchased its first permanent premises in 1964 and expanded in January 1975 through an amalgamation with Major Credit Union, adding a service location in the Village of Major.

Today, Kerrobert Credit Union serves members through locations in Kerrobert and Major. It provides personal, agricultural, and business banking services, including accounts, borrowing, mortgages, investments, and related financial advice.

Kerrobert Credit Union operates as a member owned financial cooperative governed by directors elected by its members. It has a Member Loyalty Payout for eligible members. Member deposits are fully guaranteed through Saskatchewan’s credit union deposit guarantee system.

Kerrobert Credit Union

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

Kingston Community Credit Union was founded in 1957 as Kingston Municipal Employees Credit Union. It was established by City of Kingston employees, including members of municipal police, fire, and public services. Over time, it grew through amalgamations with other workplace based credit unions, including Kingston General Hospital Employees Credit Union and Teamsters Credit Union.

In 1974, the credit union became an open bond community credit union, allowing membership to extend to residents and workers in the Kingston area.

Today, Kingston Community Credit Union serves the greater Kingston region with personal, business, and nonprofit banking services, including accounts, borrowing, mortgages, investments, and related financial advice.

Kingston Community Credit Union (KCCU)

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

Korean Toronto Credit Union was established in 1976 to serve the Korean Canadian community in the Toronto area. Headquartered on Steeles Avenue West in Thornhill, it operates as a cooperative financial institution with roots in the community it was formed to serve.

The credit union offers personal and business banking, deposits, borrowing, mortgages, credit cards, currency exchange, and related financial services. Its members include individuals, families, and businesses connected to the Korean Canadian community and the broader Greater Toronto Area.

Korean Toronto Credit Union operates as a member owned financial cooperative governed by directors elected by its members. Eligible deposits are protected under Ontario’s credit union deposit protection framework.

Korean (Toronto) Credit Union

Ladysmith & District Credit Union was founded on May 18, 1944, in Ladysmith, British Columbia. It was chartered by local woodworkers and became one of the early credit unions established on Vancouver Island.

The credit union has been associated with several developments in British Columbia credit union history, including the election of a woman as president and the use of the international credit union symbol in its signage.

Today, Ladysmith & District Credit Union operates as an independent financial cooperative serving Ladysmith and the surrounding area. It offers personal and business banking, borrowing, mortgages, insurance, investment management, and related financial services.

Ladysmith & District Credit Union

Lafleche Credit Union received its charter on April 19, 1938, in Lafleche, Saskatchewan. It was established as a local financial cooperative serving residents and businesses in southwestern Saskatchewan.

The credit union later expanded through amalgamations with Fir Mountain Savings and Credit Union in 1954 and Glentworth Credit Union in 1971. Today, Lafleche Credit Union serves members through locations in Lafleche and Glentworth.

It offers personal, agricultural, and business banking services, including accounts, borrowing, mortgages, investments, and related financial advice. Lafleche Credit Union is also associated with the history of Saskatchewan’s credit union movement.

Lafleche 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

Lighthouse Credit Union received approval from the Financial Services Regulatory Authority of Ontario in March 2022, becoming the first new credit union established in Ontario in more than a decade. It was founded to serve members in the Greater Toronto Area, with roots in the Jewish community.

Lighthouse serves both Jewish and non Jewish members. It combines digital banking access across Ontario with a physical branch at Bathurst and Lawrence in Toronto.

The credit union offers personal banking, borrowing, mortgages, and related financial services through a member owned cooperative structure.

Lighthouse Credit Union

Luminus Financial Services and Credit Union was founded on September 26, 1951, by Toronto Star employees as Starnews Credit Union. It was established as a workplace based financial cooperative for members connected to the newspaper and later expanded beyond its original membership group.

Over time, the credit union grew through mergers and partnerships and adopted the Luminus Financial name. Today, Luminus is headquartered in Etobicoke and serves individuals, families, and businesses across Ontario.

Luminus offers personal and business banking, borrowing, mortgages, investments, and related financial services. It operates as a member owned cooperative.

Luminus Financial Services and Credit Union

Luseland Credit Union received its charter on June 5, 1963, in Luseland, Saskatchewan. It serves members in west central Saskatchewan, a region with a large agricultural base.

The credit union operates from a single location on Grand Avenue in Luseland. It provides personal, agricultural, and business banking services, including accounts, borrowing, mortgages, investments, and related financial advice.

Luseland Credit Union operates as a member owned financial cooperative governed by directors elected by its members. It has a patronage program for eligible members and offers no service charge banking. Member deposits are fully guaranteed through Saskatchewan’s credit union deposit guarantee system.

Luseland 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

Me Dian Credit Union was founded in 1978 as the Métis Credit Union of Manitoba. It was established through the Manitoba Métis Federation to provide financial services for Métis people in Manitoba. As the credit union developed, its membership expanded to include First Nations, Inuit, and Métis members across the province.

In 2009, Me Dian further broadened its membership to include non Indigenous associate members. Headquartered on Selkirk Avenue in Winnipeg’s North End, it serves members with personal and business banking, borrowing, and related financial services.

Me Dian is recognized as Canada’s first Indigenous financial institution.

Me-Dian 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

Morell Credit Union was chartered on January 27, 1938, in Morell, Prince Edward Island. Its early development was influenced by the cooperative movement associated with St. Dunstan’s University and the Antigonish Movement in Atlantic Canada.

In 1981, Morell Credit Union amalgamated with St. Peter's Credit Union, extending its service area to additional communities in eastern Prince Edward Island. Today, it serves members in Morell, St. Peter's, Mount Stewart, and surrounding areas.

The credit union offers personal and business banking, borrowing, mortgages, investments, and related financial services. Member deposits are protected through the PEI Credit Union Deposit Insurance Corporation.

Morell Credit Union

Mosaik Credit Union was formed on January 1, 2025, through the merger of Community Credit Union of Cumberland Colchester, New Ross Credit Union, and Victory Credit Union. Members of the three Nova Scotia credit unions approved the merger in 2024, and the Mosaik name was adopted after the amalgamation.

Headquartered in Truro, Mosaik serves communities across Cumberland, Colchester, and Lunenburg counties. It offers personal and business banking, borrowing, mortgages, investments, and related financial services.

Mosaik operates as a member owned cooperative governed by directors elected by its members.

Mosaik 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

Nelson & District Credit Union was established on November 16, 1950, in Nelson, British Columbia, originally as Nelson Savings Credit Union. In the 1960s, it expanded its services and adopted its current name to reflect a broader regional role.

Its history includes the incorporation of smaller local credit unions, including Nelson Railway Employees Credit Union and Provincial Government Employees Credit Union. A later merger with Riondel and District Credit Union added to its regional service network.

Today, Nelson & District Credit Union serves the West Kootenay region through locations in Nelson, Rossland, and the East Shore. It offers personal and business banking, financial planning through NDCU MoneyWorks, and insurance through KIS Ltd.

Nelson And District Credit Union

New Brunswick Teachers' Association Credit Union was established in 1971 to serve members of the New Brunswick Teachers' Association and the broader education community. Headquartered in Fredericton, it operated as a closed bond credit union for its first four decades before opening membership to the general public in 2010.

Today, NBTA Credit Union serves members across New Brunswick with personal banking, borrowing, mortgages, investments, and related financial services. It operates primarily through digital and remote banking channels.

NBTA Credit Union is a Certified B Corporation. Member deposits are protected through New Brunswick’s credit union deposit protection framework.

New Brunswick Teachers’ Association 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

New Waterford Credit Union was formally organized on March 19, 1934, and opened for business on April 21, 1934, in New Waterford, Cape Breton. It was founded to serve miners and their families in a local coal mining community and was influenced by cooperative ideas associated with the Antigonish Movement.

The credit union has operated from its Plummer Avenue location since 1948. Today, New Waterford Credit Union serves members as a single branch financial cooperative offering personal and business banking, borrowing, mortgages, credit cards, investments, and related financial services.

It has a patronage rebate for eligible members. Member deposits are protected through the Nova Scotia Credit Union Deposit Insurance Corporation.

New Waterford Credit Union

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 Birch Credit Union was formed on January 1, 2020, through the merger of Estonian Credit Union and Latvian Credit Union in Toronto. Both predecessor institutions had served their respective communities for decades following the arrival of Baltic refugees and immigrants in Canada after the Second World War.

The Northern Birch name refers to cultural references shared by Estonian and Latvian communities. Today, Northern Birch serves members in the Greater Toronto Area with personal and business banking, borrowing, mortgages, investments, and related financial services.

The credit union also has experience with cooperative and co ownership apartment mortgages.

Northern Birch Credit Union

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

Ontario Provincial Police Association Credit Union, commonly known as OPPA Credit Union, was founded in 1971 by Ontario Provincial Police officers. It was established to provide financial services for members of the Ontario Provincial Police community.

Headquartered in Barrie, Ontario, OPPA Credit Union operates from a single branch while serving members across the province through digital banking and ATM access. Membership is open to Ontario Provincial Police officers, civilian members of the Ontario Provincial Police Association, and eligible family members.

The credit union offers personal banking, borrowing, mortgages, investments, and related financial services. It also provides scholarships and member partner benefits.

Ontario Provincial Police Association Credit Union Limited

Oshawa Community Credit Union was founded in 1939 in Oshawa, Ontario. It serves members in Durham Region and surrounding communities and operates as an open bond credit union, allowing membership to extend beyond a specific workplace or group.

Headquartered on King Street East in Oshawa, the credit union offers personal and business banking services, including chequing and savings accounts, borrowing, mortgages, lines of credit, credit cards, investments, and related financial services.

Oshawa Community Credit Union operates as a member owned financial cooperative governed by directors elected by its members. It has a profit sharing program for eligible members. Eligible deposits are protected under Ontario’s credit union deposit protection framework.

Oshawa Community Credit Union

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

Prairie Pride Credit Union was formed on January 1, 2001, through the amalgamation of Alida Credit Union, Gainsborough Credit Union, and Alameda Credit Union in southeastern Saskatchewan. The merger combined community credit unions serving small rural communities in the region.

Today, Prairie Pride Credit Union serves members through locations in Alameda, Alida, and Gainsborough. It provides personal, agricultural, and business banking services, including accounts, borrowing, mortgages, investments, and related financial advice.

Prairie Pride Credit Union operates as a member owned financial cooperative governed by directors elected by its members. Member deposits are fully guaranteed through Saskatchewan’s credit union deposit guarantee system.

Prairie Pride Credit Union

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

Public Service Credit Union was established in 1937 in St. John’s, Newfoundland and Labrador. Originally created to serve public sector workers, it later opened membership to all residents of Newfoundland and Labrador.

Headquartered on Empire Avenue in St. John’s, Public Service Credit Union offers personal banking, borrowing, mortgages, credit cards, investments, and related financial services. Its history reflects its role as a local financial cooperative in the province.

Public Service Credit Union operates as a member owned cooperative governed by directors elected by its members. Member deposits are protected through Newfoundland and Labrador’s credit union deposit guarantee framework.

Public Service 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

Raymore Credit Union is a Saskatchewan credit union headquartered in Raymore, a farming community north of Regina. It serves members in Raymore, Dysart, and the surrounding area of central Saskatchewan.

The credit union provides personal, agricultural, and business banking services, including accounts, borrowing, mortgages, investments, education savings plans, retirement planning, and related financial advice.

Raymore Credit Union operates as a member owned financial cooperative governed by a board elected by its members. Its members include households, farms, businesses, and organizations in its regional service area. Member deposits are fully guaranteed through Saskatchewan’s credit union deposit guarantee system.

Term	Rate
1-Year	3.25%
2-Year	3.05%
3-Year	2.90%
4-Year	3.05%
5-Year	3.40%
^* Rates are for informational purposes only and reflect the highest rates available. Rates may change at any time and may be applicable only to certain depositors. Terms and conditions apply.

Metric	2025	5-Year Change
Assets	$208M	N/A
Loans	$175M	N/A
Deposits	$186M	N/A
Mortgages + HELOCs	N/A	N/A
Efficiency Ratio	89.2%	—
Members	~7,000	—
Branches	3	—
Target Members / Region	Estonian and Latvian communities, Toronto	—

Northern Birch Credit Union

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