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Account Options

Our Internet and telephone banking services give you total convenience and secure, round-the-clock access to your accounts. What’s more, your MEMBER CARD® credit union debit card provides full access to Interac and surcharge-free access to THE EXCHANGE® Network, allowing you Canada-wide ATM banking.

Daily Banking Made Easy

A convenient way to manage your day-to-day banking: bill payments, deposits, cheques, withdrawals and more.

Enjoy the features our Personal Chequing Account has to offer:

  • Funds are accessible through our ABMs, all Interac ABMs, Interac Direct Payment system and THE EXCHANGE Network.
  • Statements are issued on the last day of each month, free of charge. Statements will not be mailed to members who are Homebanking users and have requested eStatements.
  • Deposits can be made by direct deposit, payroll deduction, THE EXCHANGE Network, electronic transfer, mail or in person.
  • All purchases made by Direct Payment or by cheque are protected by our Buyers Protection Program.
  • Copies of your cleared cheques can be provided to you if proof of payment is required. 
  • Personalized cheques are available at minimal cost.
  • Overdraft protection is available on this account through a Personal Line-of-Credit, or a Home Equity Line-of-Credit.
  • This account is identified by a seven digit number ending with the digit "1".

Earn Daily Interest on Your Closing Balance

A convenient way to manage your day-to-day banking: bill payments, deposits, withdrawals and more.

Enjoy the features our Daily Interest Savings Account has to offer:

  • Interest is earned on the daily closing balance and credited to the account on the last day of March and September.
  • Statements are issued on the last day of March, June, September and December, free of charge. Statements will not be mailed to members who are HomeBanking users and have requested eStatements.
  • Funds are accessible through our ABMs, all Interac ABMs, Interac Direct Payment system and THE EXCHANGE Network.
  • All purchases made by Direct Payment are protected by our Buyers Protection Program.
  • Deposits can be made by direct deposit, payroll deduction, THE EXCHANGE Network, electronic transfer, mail or in person.
  • Overdraft protection is available on this account, through a Personal Line-of-Credit, or a Home Equity Line-of-Credit.
  • This account is identified by a seven digit number ending with the digit "0".

Earn Interest on an Increasing Rate Structure

The perfect account to help you save and grow your money. The more you have in the account, the more interest you can earn.

Enjoy the features our Investment Savings Account has to offer:

  • Interest is calculated on the daily closing balance and credited to the account on the last day of every month.
  • Interest is earned on an increasing-rate structure: the higher the balance, the higher the rate earned on the complete balance. These plateaus are $2,500 / $5,000 / $10,000 / $50,000 and $100,000+.
  • Statements are issued on the last day of March, June, September and December, free of charge. Statements will not be mailed to members who are HomeBanking users and have requested eStatements.
  • Deposits can be made by direct deposit, payroll deduction, electronic transfer, mail or in person.
  • Funds deposited are protected by the terms of the Deposit Insurance Corporation of Ontario.
  • This account is identified by a seven digit number ending with the digit "8".

Account Balance

Interest rate

$500 to under $1,000 0.00%
$1,000 to under $2,500 0.00%
$2,500 to under $5,000 0.25%
$5,000 to under $10,000 0.50%
$10,000 to under $50,000 0.75%
$50,000 to under $100,000 1.00%
$100,000 and over 1.00%

Earn a Premium Rate on Any Balance

Always earn our premium rate (currently 1.25%) on your hard earned money – start your savings plan today. No minimum monthly balance is required and you'll always have easy and immediate access to your funds.

Enjoy the features our Platinum Savings Account has to offer:

  • Interest is calculated on the daily closing balance and credited to the account on the last day of every month.
  • Statements are issued on the last day of March, June, September and December, free of charge. Statements will not be mailed to members who are HomeBanking users and have requested eStatements.
  • Earn a premium interest rate on your daily closing balance and still have access to your money anytime. 
  • Deposits can be made by direct deposit, payroll deduction, electronic transfer, mail or in person. 
  • Funds deposited are protected by the terms of the Deposit Insurance Corporation of Ontario.
  • This account is identified by a seven digit number ending with the digit "6".

The Perfect Account for Your US Funds

This account is designed for members who wish to save or have dealings in U.S. funds. You'll earn daily interest on your balance and still have frequent access to your funds just like a regular savings account.

Enjoy the features our U.S. Dollar Account has to offer:

  • All transactions and fees are in U.S. dollars.
  • Interest is based on the daily closing balance and credited to the account on the last day of March, June, September and December.
  • U.S. cash available, subject to order for larger sums.
  • Statements are issued on the last day of March, June, September and December, free of charge. Statements will not be mailed to members who are HomeBanking users and have requested eStatements.
  • This account is not accessible through Interac or THE EXCHANGE network.
  • This account is identified by a seven digit number ending with the digit "9".

Contribution

Interest Rate

Under $500 USD 0.00%
$500 USD to under $2,500 USD 0.00%
Over $2,500 USD 0.10%

Earn Tax-Free Income

A great account for tax-free savings. The TFSA provides a Tax-Free Savings Account that allows you to invest without paying tax on interest or investment earnings. 

Banking Services

Membership Benefits

Being a member means more than having access to savings, chequing, U.S. dollar accounts, a Tax-Free Savings Account, and all the expected products of Canadian financial institutions. Qualify as a STAR member and you can benefit from free transactions and services each month. Members aged 60 and over, or those with over $100,000 of business with us, can take advantage of a premium account at no cost. The payoff? Even more free transactions and services every month.

Added Security

As a credit union member, your deposits are insured through the Deposit Insurance Corporation of Ontario (DICO), part of a comprehensive protection program backed by provincial legislation.