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  • Becoming a Member

Become a member today!

Become a member and discover what it means to be an owner in your financial institution.

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Discover the credit union difference and become a member today!

Some benefits of being a member:

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No matter your age or account balance, we offer no-fee chequing and savings accounts.


As a co-operative financial institution, our members are our owners and always come first.


From lending to deposit rates, we have great options and specials.

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We invest back into our communities and our members through donations, scholarships, financial education and more. 

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With your Northern Birch debit cards you have access to the 2nd largest surcharge-free ATM network in Canada 


Get convenient access to your accounts with online banking and a mobile banking app.


We offer trust accounts for your children, grandchildren, nieces or nephews!


We offer 5 free Interac e-Transfers® a month to all our members - business & personal accounts included.


We've got it all, from mutual funds to personal loans.


Member Shares

Each member must purchase membership shares of $20, making them part owners of the credit union. There are many privileges to being a shareholder of the credit union. You may vote on any of our by-law changes which are presented at the Annual General Meeting and vote for who you would like to see on the Board of Directors.  Plus, when we have a profitable year, we pay bonus interest on deposits and interest rebates on loans. No banks share profits with their clients, but we do!

Special Shares for New Members Under 21

Financial education is one of our top priorities. To encourage participation and early financial responsibility, the credit union issues $20 shares as a gift to each new member under the age of 21. This includes trust accounts opened for qualifying individuals by parents, grandparents or others. Click here to learn more about trust accounts. 

Apply online or visit us in-branch today to open your membership!

Member I.D. Requirements

You can start the membership application online or by visiting us in-branch. You will need 2 (two) pieces of ID. The following IDs are accepted:

  • Valid Canadian driver’s license
  • Valid Canadian passport
  • Canadian birth certificate
  • Old Age Security card
  • Certificate of Canadian Citizenship or Certification of Naturalization
  • Permanent Resident Card
  • Citizenship and Immigration Canada form IMM 1000 or IMM 1442
  • Certificate of Aboriginal Status

OR 1 (one) piece of ID from the list above and 1 (one) piece of ID from the list below:

  • Debit card or bank card with your name and signature on it
  • Canadian credit card with your name and signature on it
  • Valid foreign passport
  • ​Canadian National Institute for the Blind (CNIB) client card with photo and signature
In addition, you must have:

  • Social Insurance Number (SIN) (required by law for any interest earning account) or foreign tax form 
  • Ontario address (some exceptions may apply)

Ready to open your account?

Apply online or visit us in-branch!

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Looking to open a business membership?

 We are proud to support business with no-fee accounts. 
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