Valley Credit Union
This Page's Content Was Last Updated: July 21, 2026
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Credit Union
Valley
Valley Credit Union is a credit union located in Nova Scotia. It was founded in 1994. It primarily serves Annapolis Valley.
Valley Credit Union is a Nova Scotia credit union serving the Annapolis Valley region. Its head office is in Waterville, and it serves members in Annapolis County, Kings County, and Hantsport in West Hants County.
The credit union offers personal and business banking, mortgages, loans, investments, and related financial services. As a member owned cooperative, it is locally governed and focused on financial services for individuals, businesses, and communities in its service area.
Valley Credit Union also supports community organizations, partnerships, and sponsorships across the region. Member deposits are protected through the Nova Scotia Credit Union Deposit Insurance Corporation.
Provinces served
Number of Members (as of 2025): ~11,000
Chequing and Savings Accounts
The account-related data on this page was last updated on July 20, 2026.
Chequing Accounts
Chequing Account
1. Account: YOUR Chequing 15
- Standard Fee
- $6.00/mo
- Free Transactions
- 15
- Max e-Transfer / Day
- $10,000
- Insurance Limit
- $250,000 per category
Account details
- This account allows 15 free transactions.
- Maximum Interac e-Transfer per day: $10,000
- Maximum Interac e-Transfer per week: $50,000
- This limit may vary depending on the client profile.
*Interest Rate Breakdown by Balance
Balance amount Interest rate $0 to $500 0.03% $501 to $1,000 0.04% $1,001 to $3,000 0.05% $3,001 to $5,000 0.08% $5,001 or over 0.10% - Valley Credit Union YOUR Chequing 15 is a $6-per-month chequing account with 15 included transactions per month and unlimited deposits. No minimum balance is required. Seniors pay a reduced monthly fee of $4.50. The account includes online and mobile banking access, with additional transactions beyond the monthly allowance charged individually.
Deposit Insurance
Deposits are insured by the Nova Scotia Credit Union Deposit Insurance Corporation (CUDIC). "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: YOUR Chequing Unlimited
- Standard Fee
- $28.00/mo
- Free Transactions
- Unlimited
- Max e-Transfer / Day
- $10,000
- Insurance Limit
- $250,000 per category
Account details
- This account allows Unlimited free transactions.
- Maximum Interac e-Transfer per day: $10,000
- Maximum Interac e-Transfer per week: $50,000
- This limit may vary depending on the client profile.
*Interest Rate Breakdown by Balance
Balance amount Interest rate $0 to $500 0.03% $501 to $1,000 0.04% $1,001 to $3,000 0.05% $3,001 to $5,000 0.08% $5,001 or over 0.10% - Valley Credit Union YOUR Chequing Unlimited is a $28-per-month chequing account with unlimited transactions, including electronic and in-branch transactions, bill payments, withdrawals, transfers, and non-credit-union ATM transactions. Deposits are free and unlimited. No minimum balance is required. Seniors pay a reduced monthly fee of $21. Personalized cheques are also free.
Deposit Insurance
Deposits are insured by the Nova Scotia Credit Union Deposit Insurance Corporation (CUDIC). "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
- Interest Rate
- 1.00%*
- 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.
- Maximum Interac e-Transfer per day: $10,000
- Maximum Interac e-Transfer per week: $50,000
- This limit may vary depending on the client profile.
*Interest Rate Breakdown by Balance
Balance amount Interest rate $1 ro $5,000 1.00% $5,001 or over 1.25% - Valley Credit Union High Interest Savings is a no-monthly-fee savings account with tiered interest rates and free unlimited online transfers to other Valley Credit Union accounts. Funds remain accessible through Valley Credit Union’s online and mobile banking services. Current posted interest rates increase when the account balance exceeds $5,000.
Deposit Insurance
Deposits are insured by the Nova Scotia Credit Union Deposit Insurance Corporation (CUDIC). "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 | 5-Year Change |
|---|---|---|
| Assets | $381M | N/A |
| Loans | $307M | N/A |
| Deposits | $352M | N/A |
| Loan-to-Deposit Ratio | 87.2% | — |
| Mortgages + HELOCs | $156M | N/A |
| Securities | $11M | N/A |
| Revenue | $14M | N/A |
| Efficiency Ratio | 75.1% | — |
| Target Members / Region | Annapolis Valley | — |
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