OMISTA Credit Union Limited
This Page's Content Was Last Updated: July 21, 2026
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Credit Union
OMISTA
OMISTA Credit Union Limited is a credit union located in New Brunswick. It was founded in 1938. It primarily serves Moncton, Fredericton and Oromocto.
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.
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: Basic Account
- Standard Fee
- Free
- Free Transactions
- 0
- Max e-Transfer / Day
- $10,000
- Insurance Limit
- $250,000 per category
Account details
- This account allows 0 free transactions.
- 2 free Interac e-Transfers are included each month. ATM Transaction (Atlantic Credit Union): $1.00 Cheque: $1.00 In-Branch Withdrawal: $1.00 In-Branch Deposit: $1.00 Transfer (In Branch): $1.00 Point-of-Sale Transaction: $1.00 Bill Payment (Online): $1.00 Transfer (Online): $1.00 Bill Payment (In Branch): $1.00 Bill Payment (Telephone): $1.00 Pre-Authorized Payment: $1.00
- Maximum Interac e-Transfer per day: $10,000
- Maximum Interac e-Transfer per week: $10,000
- This limit may vary depending on the client profile.
- OMISTA Credit Union Basic Account is a no-monthly-fee pay-as-you-go chequing account with free deposits. Everyday banking transactions cost $1 each, while 2 Interac ATM transactions are included. The account also provides access to OMISTA’s online and mobile banking services and its surcharge-free ATM network across Canada.
Deposit Insurance
Deposits are insured by the New Brunswick Credit Union Deposit Insurance Corporation (NBCUDIC). "Category" generally means separate coverage for each account type, such as individual, joint, trust, and each registered plan, though exact definitions vary slightly by province.
Chequing Account
2. Account: Unlimited Account
- Standard Fee
- $19.00/mo
- Free Transactions
- Unlimited
- Max e-Transfer / Day
- $10,000
- Insurance Limit
- $250,000 per category
Account details
- The monthly account fee is waived if you maintain a minimum balance of $5,000 in your account.
- This account allows Unlimited free transactions.
- Maximum Interac e-Transfer per day: $10,000
- Maximum Interac e-Transfer per week: $10,000
- This limit may vary depending on the client profile.
- OMISTA Credit Union Unlimited Account is a $19-per-month chequing account with unlimited everyday banking transactions, Atlantic Credit Union ATM transactions, and Interac e-Transfers. The monthly fee is waived with a $5,000 minimum balance. Members over age 59 can use the Unlimited Senior Account for $9 per month, with the same unlimited transaction features.
Deposit Insurance
Deposits are insured by the New Brunswick Credit Union Deposit Insurance Corporation (NBCUDIC). "Category" generally means separate coverage for each account type, such as individual, joint, trust, and each registered plan, though exact definitions vary slightly by province.
Savings Accounts
Savings Account
Account: High Interest Savings Account
- Interest Rate
- 1.00%
- Standard Fee
- Free
- Free Transactions
- 1
- Max e-Transfer / Day
- $10,000
- Insurance Limit
- $250,000 per category
Account details
- This account allows 1 free transaction.
- Maximum Interac e-Transfer per day: $10,000
- Maximum Interac e-Transfer per week: $10,000
- This limit may vary depending on the client profile.
- OMISTA Credit Union High Interest Savings Account has no minimum balance requirement and pays interest on the full balance. Interest is calculated daily on the closing balance and paid monthly. Online banking transfers are unlimited and free. It includes 1 free non-electronic withdrawal or transfer per month, with additional transactions costing $5 each.
Deposit Insurance
Deposits are insured by the New Brunswick Credit Union Deposit Insurance Corporation (NBCUDIC). "Category" generally means separate coverage for each account type, such as individual, joint, trust, and each registered plan, though exact definitions vary slightly by province.
Key Financial Metrics and Trends
| Metric | 2025 | YoY Change | 5-Year Change |
|---|---|---|---|
| Assets | $434M | +5.1% | +5.1% |
| Loans | $372M | +9.7% | +9.7% |
| Deposits | $403M | +5.8% | +5.8% |
| Loan-to-Deposit Ratio | 92.3% | — | — |
| Mortgages + HELOCs | N/A | N/A | N/A |
| Securities | $48M | -15.8% | -15.8% |
| Revenue | $14M | +7.7% | +7.7% |
| Efficiency Ratio | 93.8% | — | — |
| Target Members / Region | Moncton, Fredericton, Oromocto | — | — |
OMISTA Credit Union Limited Deposits, Loans and Revenue in the Past 5 Years
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