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  • Membership Rewards

Membership Package Comparison

Membership Level  
Regular Membership
 
Student Star Membership

Star Membership

Gold Membership

Platinum Membership
Buyer Protection Program
(using Debit Card or Cheques)
         
Internet Home Banking Access          
Telephone Teller Home Banking          
The EXCHANGE Network ABM Withdrawals          
The EXCHANGE Network ABM Deposits          
MSCU ABM Cash Withdrawal          
Interac ABM Withdrawals $1.25   5 free per month 5 free per month  
Interac Direct Payments (POS) $0.45   40 free per month 50 free per month  
Interac e-Transfer (sending) $1.00 $1.00 $1.00 $1.00  
Interac e-Transfer (receiving)          
PLUS or CIRRUS Withdrawals 
(in the U.S.)
$3.00 $3.00 $3.00 $3.00 $3.00
PLUS or CIRRUS Withdrawals 
(outside Canada & U.S.)
$4.00 $4.00 $4.00 $4.00 $4.00
Bill Payments
(Home Banking or Telephone Teller)
$0.35   10 free per month     
Bill Payments 
(processed by an MSR)
$3.00   $2.00    
In Branch Cash Withdrawals          
Electronic Credits/Debits (EFTs)          
Cheques $0.50 or free with $600 MMB   10 free per month or all free with $600 MMB    
Deposit Item Returned NSF $5.00 $5.00 $5.00 $5.00 $5.00
Credit Union Drafts $6.00   $5.00    
Cheque Certification $5.00        
Stop Payment $12.00   $10.00 $10.00  
Amex Travellers' Cheques 1%        
Inactive/Dormant Account $25.00 per year** N/A $25.00 per year** $25.00 per year** N/A

** = With no activity, no RRSP or RRIF, and not a Trust account
MMB = Minimum Monthly Balance
ABM = Automated Banking Machine
"In business" = the sum of all deposits, loan and mortgage balances

Regular Membership

Being a member of the credit union entitles you to many free services. For the first three months of membership, all service fees are waived giving you time to build your business with us and allowing us time to understand your banking needs. Rewards increase as your business increases.

Student Star Membership

Students up to the age of 25 are eligible for our STUDENT STAR PACKAGE with no monthly fees and no minimum balance requirements. Students enjoy easy access to their account with minimal dings.  

Star Membership

When your total business (total of all of your deposits and loans) with the credit union reaches $15,000, or you have your full pay/$1000 or more of payroll deduction deposited to your account, or you’ve yet to reach the age of 30 you are automatically upgraded to Star Member status. If you don’t automatically qualify as a STAR you may purchase this package for $9.95 per month. View the table for the benefits associated with this membership package.

Gold Membership

With over $100,000 of total business (total of all of your deposits and loans) with the credit union, or if you’ve reached the golden age of 60, you gain Gold Membership status, entitling you to even greater rewards. View the table for the benefits associated with this membership package.

Platinum Membership

Members with $250,000 of total business (total of all of your deposits and loans) achieve even greater awards with Platinum Membership. Platinum members enjoy unlimited free services on most daily banking needs. NEW All Interac E-Transfers are FREE to send!

Star Members can upgrade to our Platinum Inclusive Package for only $14.55 per month. Gold Members can upgrade to our Platinum Inclusive Package for only $10.55 per month.

Additional Services

Stop Payment - no funds to cover cheque $40.00
Cheque Certification by Third Party $15.00
Collection Items $50.00
Transfer Account Balance to Another Financial Institution $25.00
Wire Transfer Outgoing $30.00
Registered Product transferred to another Financial Institution $50.00 per transfer
RSP Withdrawals - Admin. Fee $25.00 each
Lost MEMBER CARD® debit card replacement 1 free per year then $10.00
Retrieval of Past Statement $5.00 each
Extensive Record Search $25.00 per hour
EFT Returned NSF from another Financial Institution $35.00
Tax Receipt Replacement $10.00 each
NSF Cheque or Electronic Debit $40.00
Phone Call to Notify of NSF Item $15.00
Manual Posting Fee $10.00
Unencoded Item $10.00
Unauthorized Overdraft, Max 24 Hrs $10.00
Unauthorized Overdraft, Exceeding 24 Hrs $25.00