Vision Credit Union
This Page's Content Was Last Updated: July 21, 2026
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Credit Union
Vision
Vision Credit Union is a credit union located in Alberta. It was founded in 1950. It primarily serves East-Central and Northwest Alberta.
Vision Credit Union traces its roots to Camrose, Alberta, where it began around 1950 as a cooperative financial resource for employees at a local seniors care facility. It has since grown into one of Alberta’s larger credit unions while maintaining a focus on rural communities.
Vision offers personal, business, and agricultural banking, including products and advice for farmers and ranchers. The credit union states that member deposits and profits are invested back into Alberta through local loans, mortgages, community contributions, and member dividends.
Its profit sharing program returns a portion of earnings to members. Vision’s work is focused on rural Alberta, local relationships, practical financial service, and support for families, farms, businesses, and communities in the regions it serves.
Provinces served
Number of Members (as of 2025): ~38,000
Vision Mortgage Rates
The mortgage rates on this page were last updated on August 25, 2026 at 6:09 PM ET.
| Lender | Term | Rate | |
|---|---|---|---|
| 1-Year Fixed | 4.49% | ||
| 2-Year Fixed | 3.56% | ||
| 3-Year Fixed | 3.56% | ||
| 4-Year Fixed | 3.74% | ||
| 5-Year Fixed | 3.93% | ||
* Rates are for informational purposes only and reflect the lowest rates available. Rates may change at any time and may be applicable only to certain borrowers. Terms and conditions apply. | |||
Vision GIC Rates
The GIC rates on this page were last updated on August 25, 2026 at 11:26 AM ET.
| Term | Rate |
|---|---|
| 1-Month | 2.18% |
| 3-Month | 2.50% |
| 6-Month | 2.81% |
| 1-Year | 3.50% |
| 1.5-Year | 3.75% |
| 2-Year | 3.75% |
| 3-Year | 3.75% |
| 4-Year | 3.88% |
| 5-Year | 4.06% |
* 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. | |
Chequing and Savings Accounts
The account-related data on this page was last updated on July 20, 2026.
Chequing Accounts
Chequing Account
1. Account: Everyday Essentials
- Standard Fee
- $4.00/mo
- Free Transactions
- 10
- Insurance Limit
- Unlimited
Account details
- This account allows 10 free transactions.
- E-Transfers are excluded from the transaction limit and is unlimited.
- Vision Credit Union Everyday Essentials is a $4-per-month chequing account with 10 included debit transactions and Interac e-Transfers. Deposits made in-branch, at ATMs, or through mobile cheque deposit are free and do not count toward the transaction allowance. Online e-statements are also included at no charge.
Deposit Insurance
Deposits are insured by the Credit Union Deposit Guarantee Corporation (CUDGC Alberta).
Chequing Account
2. Account: Everyday Premium
- Standard Fee
- $21.00/mo
- Free Transactions
- Unlimited
- Insurance Limit
- Unlimited
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.
- E-Transfers are excluded from the transaction limit and is unlimited.
*Interest Rate Breakdown by Balance
Balance amount Interest rate $0 to $4,999 0.00% $5,000 or over 0.05% - Vision Credit Union Everyday Premium is a $21-per-month chequing account with unlimited transactions and included Interac e-Transfers. It earns interest on balances of $5,000 or more, and the monthly fee is waived when a minimum balance of $5,000 is maintained. Deposits and electronic statements are also free.
Deposit Insurance
Deposits are insured by the Credit Union Deposit Guarantee Corporation (CUDGC Alberta).
Savings Accounts
Savings Account
Account: Everyday Savings
- Interest Rate
- 0.15%*
- Standard Fee
- Free
- Free Transactions
- 5
- Insurance Limit
- Unlimited
Account details
- This account allows 5 free transactions.
- Interac e-Transfers are included.
*Interest Rate Breakdown by Balance
Balance amount Interest rate $0 to $24,999 0.15% $25,000 or over 0.25% - Vision Credit Union Everyday Savings is a no-monthly-fee savings account with 5 included debit transactions and Interac e-Transfers. Interest accrues daily and is paid monthly at month-end. Deposits made by ATM, Interac e-Transfer, or mobile cheque deposit are free, and a Debit Mastercard is available with the account.
Deposit Insurance
Deposits are insured by the Credit Union Deposit Guarantee Corporation (CUDGC Alberta).
Savings Account
Account: High Interest Savings Account
- Interest Rate
- 0.05%*
- Standard Fee
- Free
- Free Transactions
- 1
- Insurance Limit
- Unlimited
Account details
- This account allows 1 free transaction.
*Interest Rate Breakdown by Balance
Balance amount Interest rate $0 to $60,000 0.25% $60,000.01 to $150,000 0.35% $150,000.01 or over 0.45% - Vision Credit Union High Interest Savings Account is a no-monthly-fee savings account with 1 included debit per month, limited to an internal transfer or withdrawal. Additional debit transactions cost $5 each, and Interac e-Transfers are not available. Interest accrues daily and is paid monthly at month-end.
Deposit Insurance
Deposits are insured by the Credit Union Deposit Guarantee Corporation (CUDGC Alberta).
Key Financial Metrics and Trends
| Metric | 2025 | YoY Change | 5-Year Change |
|---|---|---|---|
| Assets | $2,660M | +5.5% | +74.2% |
| Loans | $2,072M | +8.5% | +73.2% |
| Deposits | $2,312M | +4.8% | +70.9% |
| Loan-to-Deposit Ratio | 89.6% | — | — |
| Mortgages + HELOCs | N/A | N/A | N/A |
| Securities | $508M | -4.0% | +195.3% |
| Revenue | $100M | +5.3% | +127.3% |
| Efficiency Ratio | 48.4% | — | — |
| Target Members / Region | East-Central and Northwest Alberta | — | — |
Vision Credit Union Deposits, Loans and Revenue in the Past 5 Years
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