Discover the difference of Member-Owned Banking.
When you become a member, enjoy no monthly fees, personalized service, and banking that invests in you.
Your community. Your credit union.

When you become a member, enjoy no monthly fees, personalized service, and banking that invests in you.
Your community. Your credit union.
Fill out the form below and a member of our team will reach out with next steps.
At Northern Birch, we understand that banking is not just about transactions; it’s about relationships, expertise, and personalized service tailored to your needs. Along the way, you'll also enjoy:

As a member, you get the benefits of our profits, no-fee chequing and savings accounts, competitive rates on savings and lending, and the convenience of online and mobile banking. We understand your everyday banking needs.
We invite you to sit down with a member of our team so we can get to know you and help set your goals for your financial future.
We give back to the communities our members are actively involved in through scholarship programs, sponsorships and more.

I chose Northern Birch because of the high level of customer service and their member-focused policies. They take the time to make sure I fully understand — and implement a solution well-integrated with my goals.
Nicholas, Northern Birch Member
Our new Northern Birch branch will be opening in the Annex at 9 Madison Ave, inside the KESKUS International Estonian Centre.
For Toronto branches call 416-465-4659 or 416-922-2551
Toll-free: 1-866-844-3828
CASHLESS branch
ATM open during business hours
310 Bloor St. W.
Toronto, ON, M5S 1W4
Hours:
Monday - Friday: 10 am - 3 pm
4 Credit Union Dr.
North York, ON, M4A 2N8
Hours:
Monday: 10 am - 3 pm
Tuesday: 10 am - 3 pm
Wednesday: 10 am - 3 pm
Thursday: 10 am - 7 pm
Friday: 10 am - 3 pm
Saturday: Closed*
16 Queen St. N.
Hamilton, ON, L8R 2T8
Tel: 905-527-4344
Hours:
Monday: Closed
Tuesday: 10 am - 3 pm
Wednesday: 10 am - 3 pm
Thursday: 10 am - 7 pm
Friday: 10 am - 3 pm
Saturday: Closed*
Branch hours are subject to change. View our latest branch hour updates here.
Northern Birch Credit Union – New Member $150 Bonus Offer Terms & Conditions
This promotion is offered by Northern Birch Credit Union (“Northern Birch Credit Union”).
1. Eligibility
Offer is available to new members only, defined as individuals who open and are approved for a new personal membership and qualifying chequing or savings accounts during the promotional period.
Offer applies to personal memberships only and is limited to one (1) promotional credit per member.
Employees, board members, and existing members converting or reopening accounts are not be eligible unless otherwise stated by Northern Birch Credit Union.
2. Promotional Offer
Eligible new members will receive a $150 CAD bonus deposited directly into their new chequing or savings account once all conditions are met.
3. Qualifying Requirements
To qualify for the $150 bonus, members must remain in good standing for at least 6 months after the time of membership approval. The new member must be at least 18 years old & meet the requirements for membership at Northern Birch Credit Union.
To receive the $150, the new member must hold an active chequing or savings account for at least 6 months. Alternatively, acquiring an investment product or a personal loan or mortgage also completes the qualification.
4. Bonus Payment Timing
The $150 bonus will be deposited automatically into the member’s eligible chequing or savings account within 30 days after all requirements have been met and verified, and after the completion of the six (6) month qualifying period.
5. Account Requirements
The account must remain open, active, and in good standing at the time of bonus payout.
Accounts closed or in arrears prior to payout will not be eligible.
6. General Conditions
Northern Birch Credit Union reserves the right to verify eligibility and qualifying transactions.
The offer is available from August 10th, 2026 to September 4th, 2026.
The offer cannot be combined with any other new member cash incentive unless explicitly stated. If combined with the referral promotion, only the referring member is eligible for the referral bonus.
Northern Birch Credit Union reserves the right to modify, extend, or terminate this promotion at any time without notice.
Any abuse, fraud, or misrepresentation will result in disqualification from the promotion.
7. Contact
For questions regarding this promotion, members may contact their local branch or Northern Birch Credit Union Member Services.