The Credit Union Difference

Being part of a credit union means that you’re an owner and not just a number. It means that you have a say in how your money is used. Not only do credit unions offer all the same products and services as banks do, but we do it all while keeping your money in the neighbourhood and supporting small and local businesses. Find out more about the credit union difference today.

CREDIT UNIONS
ARE OWNED BY
THEIR MEMBERS

OWNERSHIP CHANGES EVERYTHING.

Our profits are your profits, and anyone can join. See why it pays to be a credit union member.

WHO ARE YOU PROFITING?

Banks profit at your expense. Joining a credit union is a choice to put your needs ahead of theirs.

WE CREATE
REAL WEALTH
FOR REAL PEOPLE

WE GROW
YOUR MONEY
LOCALLY

KEEP YOUR MONEY WHERE IT MATTERS.

Ontario’s credit unions share your values, and that means profiting responsibly through local investment.

WE’RE THE TOTAL PACKAGE.

Enjoy the best financial products and services around, plus one of the largest ATM networks in Canada.

OUR
PRODUCTS
ARE BETTER

OUR
SERVICE
IS BETTER

A HISTORY OF FIRSTS.

See how credit unions rank highest in service, banking excellence and putting you first, as awarded by you.

WE DO MORE TO PROTECT YOUR MONEY.

With fewer restrictions and unlimited coverage on registered deposits, your credit union has you covered.

WE'RE EVEN
SAFER THAN
THE BANKS

  • Ontario’s credit unions are owned by their customers and share their profits in a number of ways, from member dividends to community investments and support for small business.

  • At the end of the year, many credit unions return a portion of their profits to members in the form of a dividend. That’s real money in your pocket – just for belonging to a credit union.

  • When your members are the benefactors of your profits, their financial success always comes first. Service is more personal, rates get better, and fees are kept as low as possible.

  • Answering to our members exclusively, our profits are focused on providing solutions tailored to your specific financial goals – instead of the cookie-cutter solutions offered by the banks.

  • Asset 6

    Because small businesses are so vital to the communities we serve, Ontario’s credit unions have helped thousands of local businesses succeed and are deeply invested in their growth.

  • Every year, Ontario’s credit unions donate millions of dollars and thousands of volunteer hours to local non-profits, social enterprises and community initiatives that make us all better.

  • Ranking first in both Online and Mobile Banking Excellence*, credit unions are at the forefront of innovation and use their profits to continuously improve the banking experience.
    *SOURCE: IPSOS BEST BANKING AWARDS

  • Ontario’s credit union members can access their money at over 4,100 surcharge-free ATMs across Canada, and over 1.3 million ATMs worldwide – a network larger than most banks.

  • Don’t turn your profits into their profits. Join a credit union, and enjoy a better banking experience where every last dollar is invested in you. With credit unions, we all profit.