Ontario Provincial Police Association Credit Union Limited
This Page's Content Was Last Updated: July 21, 2026
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Credit Union
Ontario Provincial Police Association
Ontario Provincial Police Association Credit Union Limited is a credit union located in Ontario. It was founded in 1971. It primarily serves OPP officers.
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.
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: Inclusive
- Standard Fee
- $16.95/mo
- Free Transactions
- Unlimited
- Max e-Transfer / Day
- $20,000
- Insurance Limit (Non-Registered)
- $250,000 per depositor
- Insurance Limit (Registered)
- Unlimited
Account details
- The monthly account fee is waived if you maintain a minimum balance of $3,500 in your account.
- This account allows Unlimited free transactions.
- Maximum Interac e-Transfer per day: $20,000
- Maximum Interac e-Transfer per week: $20,000
- This limit may vary depending on the client profile.
- OPPA Credit Union Inclusive is a $16.95-per-month chequing account with unlimited debit transactions, unlimited ATM withdrawals, and free Interac e-Transfers. It includes 1 book of standard cheques, and the overdraft protection maintenance fee is included in the monthly fee. The monthly fee is waived with a $3,500 minimum daily balance.
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: Maxi
- Standard Fee
- $11.95/mo
- Free Transactions
- 40
- Max e-Transfer / Day
- $20,000
- Insurance Limit (Non-Registered)
- $250,000 per depositor
- Insurance Limit (Registered)
- Unlimited
Account details
- The monthly account fee is waived if you maintain a minimum balance of $2,500 in your account.
- This account allows 40 free transactions.
- This account includes 40 free debit transactions, 4 free ATM withdrawals, and 1 book of standard cheques. E-Transfers are excluded from the transaction limit and is unlimited.
- Maximum Interac e-Transfer per day: $20,000
- Maximum Interac e-Transfer per week: $20,000
- This limit may vary depending on the client profile.
- OPPA Credit Union Maxi is an $11.95-per-month chequing account with 40 free debit transactions, 4 free ATM withdrawals, 1 book of standard cheques, and free Interac e-Transfers. The monthly fee and $5 overdraft protection fee are waived with a minimum daily balance of $2,500. Additional transactions cost $1 each.
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: High Speed Savings
- Interest Rate
- 0.25%*
- Standard Fee
- Free
- Free Transactions
- 1
- Max e-Transfer / Day
- $20,000
- Insurance Limit (Non-Registered)
- $250,000 per depositor
- Insurance Limit (Registered)
- Unlimited
Account details
- This account allows 1 free transaction.
- Maximum Interac e-Transfer per day: $20,000
- Maximum Interac e-Transfer per week: $20,000
- This limit may vary depending on the client profile.
*Interest Rate Breakdown by Balance
Balance amount Interest rate $0 to $74,999 0.25% $75,000 to $149,999 0.50% $150,000 or over 1.00% - OPPA Credit Union High Speed Savings is a no-monthly-fee savings account with tiered interest based on balance. Rates are 0.25% under $75,000, 0.50% from $75,000 to $150,000, and 1.00% above $150,000. It includes 1 free debit transaction per month, with additional debit transactions costing $5 each.
Deposit Insurance
Deposits are insured by the Financial Services Regulatory Authority of Ontario (FSRA), via the Deposit Insurance Reserve Fund (DIRF).
Key Financial Metrics and Trends
| Metric | 2025 | 5-Year Change |
|---|---|---|
| Assets | $284M | N/A |
| Loans | $260M | N/A |
| Deposits | $248M | N/A |
| Loan-to-Deposit Ratio | 104.8% | — |
| Mortgages + HELOCs | $65M | N/A |
| Securities | $18M | N/A |
| Revenue | $5M | N/A |
| Efficiency Ratio | 91.5% | — |
| Target Members / Region | OPP officers | — |
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