Ontario Provincial Police Association Credit Union Limited
This Page's Content Was Last Updated: July 21, 2026
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's top-tier chequing account, offering unlimited debit transactions and unlimited ATM withdrawals along with one book of standard cheques and free e-Transfers. There's no per-transaction overage at all since nothing is capped, and the overdraft maintenance fee is bundled into the monthly cost rather than charged separately as it is on Maxi. The $16.95 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's mid-tier chequing account, bundling 40 free debit transactions, 4 free ATM withdrawals, one book of standard cheques, and free e-Transfers. The $11.95 monthly fee (plus a $5.00 overdraft protection fee) is waived entirely by maintaining a $2,500 minimum daily balance. Seniors and students get the same structure at a reduced rate through the Senior/Student Maxi variant.
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% - A no-monthly-fee savings account with tiered interest that steps up as your balance grows, climbing from 0.25% under $75,000 to 0.50% between $75,000 and $150,000 and 1.00% above that. It includes one free debit transaction a month, positioning it for members building a substantial balance rather than transacting frequently.
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 | $284M | N/A |
| Loans | $260M | N/A |
| Deposits | $248M | N/A |
| Mortgages + HELOCs | $65M | N/A |
| Revenue | $5M | N/A |
| Efficiency Ratio | 91.5% | — |
| Members | N/A | — |
| Branches | 1 | — |
| Target Members / Region | OPP officers | — |
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Contact
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