Discover financial tools that fit your life — from everyday banking to your next milestone.
Experience the power of membership, where your financial needs are our priority.
Become part of the credit union that puts community first.
Personal Daily Banking
No-fee chequing and savings for all your day-to-day needs.
Borrowing
Competitive rates on loans, mortgages, credit cards and lines of credit.
Investing
From GICs and RRSPs to Mutual Funds and online investing - let's grow your future.
Featured Rates*
2.70%
1-Year Term Deposit
Available for registered and non-registered deposits
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4.39%
3-Year Closed Mortgage
Includes 130-day rate guarantee, plus we'll cover your appraisal costs*
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3.89%
5-Year Closed High Ratio Mortgage
Includes 130-day rate guarantee, plus we'll cover your appraisal costs*
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Rates are subject to change at any time without notice. For the latest rates, please contact our branches directly.
TFSA Early Bird Saver
Deposit your 2026 TFSA contribution into our TFSA Early Bird Saver GIC and earn 5.00% interest until December 31st!*
*Conditions apply. Rate subject to change at any time without notice.
Secure, Full-Service Banking from Anywhere
Deposit cheques, pay bills, send money and manage your accounts 24/7 with our intuitive mobile app and online banking platform.
Empowering Your Financial Wellness
Take control of your financial future with resources designed to help you make informed decisions.
We're committed to your financial literacy and success through these valuable services:
Financial Check-Up
Get a complimentary Financial Check-Up to ensure you're on the right track.
Financial Education
Read our latest article and view our seminars for practical financial guidance.
Switching to Northern Birch was the best financial decision I've made. The advice is genuine, the service is personal, and I love that my credit union invests in local businesses right here in Toronto."
Join a Financial Institution Where You're an Owner
As a member-owner, you're at the heart of everything we do. Because we're member-owned, we reinvest profits back into our community and into you - through better rates, lower fees, and personalized services. It's a better way to bank.
