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  • Becoming a Member

Become a member

Discover the credit union difference and become a member today!

Some benefits of being a member:

No Fee Accounts for Everyone

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

Our Members are our Owners

Members come first. Always. 

Competitive Rates

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

Community Support

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

Surcharge-free ATMs

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

Access from anywhere

Get convenient access to your accounts with our mobile & online banking.

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. 

Visit us in-branch to open your account today!

Opening Your Account

Please visit us in branch and bring with you 2 (two) pieces of ID. The following IDs are accepted:

  • Canadian driver’s license
  • Valid Canadian passport
  • Canadian birth certificate
  • Social Insurance Number (SIN) card (required by law for any interest earning account)
  • 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

Ready to open your account?

Visit us in-branch today!

Want to learn more about opening a no-fee business account? 

Call us in-branch at 416-465-4659