Discover the
Credit Union Difference

Credit Unions are unique from other financial institutions in that they are not owned by shareholders; they're owned by you.


This difference is integral to what Credit Unions are, it's what sets us apart, and it's what makes us the better option for you.  It means that our efforts are firmly focused on serving your needs above all.  The result is a relationship based on a common goal: your financial success.

Top 8 features that set the Credit Union apart from other financial institutions.
Our focus is on YOU

At the credit union, our members are our top priority. When it comes to banking and managing your money, we are focused on you and your financial well-being. That means you can always expect sound advice from our financial experts, with no obligations and no strings.

Tailored Products & Services

We take the time to really understand your goals, dreams and priorities, and we work hard to tailor our products and services to meet your needs, rather than fitting you into a one-size-fits-all product.

Membership Makes You an Owner

Credit unions are not owned by outside shareholders, we’re owned by our members. Everyone who banks with the credit union automatically becomes a member and thus an owner of their credit union.

Your Bottom Line is Our Bottom Line

Our focus is solely on your best interest, because your financial success equals our financial success. It’s a focused approach based on your bottom line, not ours.

A Real Voice

All our members are invited to attend annual meetings and exercise their voice to help steer how decisions are made. You can elect our board of directors, voice your concerns, and vote on real issues that matter to you.

Strength in Numbers

We benefit from the support and expertise of the nation’s largest network of financial institutions, with credit unions servicing over 5 million Canadians nationwide.


Credit unions, like other financial institutions, are closely regulated meaning your deposits are secure. Credit unions partner with the Credit Union Deposit Insurance Corporation (CUDIC) and Credit Union Deposit Guarantee Corporation (CUDGC). Both CUDIC and CUDGC protect depositors by providing an effective and efficient system of deposit insurance and loss prevention through the regulatory powers in the Credit Union Act.

Focused On Community

Credit unions are firmly rooted in their communities. In fact, every credit union’s board of directors consists of members from their community. That’s why we understand what’s important to our members and how we keep our decisions based on local realities. You see it in the products and services we develop and the way we give back to our communities. It’s a human approach, and another reason how we’re different.

Did you know?

Credit Union owners are both customers and owners. As a customer, you receive the services you want and as an owner you enjoy a return on your share investment in the form of competitive rates, value costs for premium service, and local control of your own financial institution.


Belonging to a credit union means that you are more than a customer - you are an owner - and as an owner you get to influence the progress of your business. There is a voluntary Board of Directors that you elect with your right to vote at the Annual General Meeting. As neighbors, living and working in the same community, your Credit Union offers all the financial services working for your own economic benefit. You’ll enjoy a flexible approach to business and responsiveness to local concerns.



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