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Students out for walk on a bridge overlooking a river having a good time.

We're Here.
From Day One.

Students, get $75* when you become a member.

Enjoy no monthly fees and friendly advice from real people who get to know you — not just your account number.

Open an Account Today

Boost your savings with no‑fee student banking.

At Northern Birch, your account is built to keep up with student life, not slow it down. By choosing us for your chequing or savings account, you'll enjoy a range of exclusive benefits designed for you.

24/7 online and mobile banking access

24/7 Online & Mobile Banking

Bank anywhere, anytime online or on your smartphone with the Northern Birch app.

Easily Access Cash at One of Our 3,000 ATMs

3,000+ Free ATMs

Withdraw cash anywhere in Canada with no extra fees via the Exchange Network.

Free 5 Interac e-Transfers each month

5 Free Interac e-Transfers®/Month*

Split dinner or rent with friends easily with 5 free Interac e-transfers® every month.

No-Fee Chequing and Savings Accounts

$0 Monthly Fees

Keep more of your money with no account fees.

Get $75

Get $75!

Receive a $75 bonus when you become a member and open an account.

Start your online application today.

Open an Account

Investing in Our Community

We invest
back in you.

At Northern Birch Credit Union, we deeply care about our community and value the contributions of our members.

Beyond banking, we offer annual scholarships to support our student members.

Meet Emils, one of our Northern Birch Community Roots Scholarship recipients.

“For someone thinking about joining Northern Birch, I would tell them stop thinking about it and just do it! There is no downside.”

Learn more about scholarships at Northern Birch.

Explore Northern Birch Scholarships

Bring Your Friends Along.

Be a friend and introduce them to Northern Birch. They'll experience the same personal, no-fee banking — and you'll get $50 for the introduction.

Vector image of checklist representing Become a Member
Become a Member
Vector image of hand receiving cash representing Start Saving
Start Saving
Vector image of handshake representing Refer a Friend
Refer a friend
More money
in your pocket.

Use referral code "STUDENT"

Open An Account

Two young people in an office laughing, reflecting Northern Birch student loans

Looking for a student loan or line‑of‑credit?

We've got you covered and we'll give you a $75 bonus* when you qualify for one today!

  • Discounted rates
  • Interest-only payments while you're in school
  • Qualification isn't tied to your parents' income

Student Financial Literacy

Your Guide to Smarter Student Finances

Between assignments, part-time jobs, and social life, it's easy for finances to get pushed aside. Here are 4 easy steps to manage your cash flow.

Banking 101: What Every Student Needs to Know

Starting post-secondary school comes with a lot of new expenses. Here is how picking the right account can save you hundreds each year.

 

Coming Soon to the Annex!

 

Our Locations

For Toronto branches call 416-465-4659 or 416-922-2551
Toll-free: 1-866-844-3828

Tartu College Branch

CASHLESS branch
ATM open during business hours

310 Bloor St. W.
Toronto, ON, M5S 1W4

Hours:
Monday - Friday: 10 am - 3 pm

Contact

Latvian Centre Branch

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

Contact

Hamilton Branch

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

Contact

Visit our website for the most up-to-date hours.

*Applicable to high school and post-secondary students only, ages 16 and older. Proof of full-time enrollment required for post-secondary students. For anyone younger than 16, a parent must accompany you to open your membership. Membership is subject to approval and new members must meet the requirements of membership at Northern Birch Credit Union. Offer eligible for new members only. To receive the $75 bonus, the new student member must hold an active chequing and/or savings account for at least 3 months. The new student member will have the bonus funds automatically deposited into their chequing or savings account after 3 months of meeting the offer and membership requirements. Member shares are waived for students 21 and younger.

The New Student Member Bonus $75 Offer may be combined with the New Member Referral Bonus Offer of $50 to the referring member only. In order for the referring member to claim the $50 bonus, they themselves must have an active chequing and/or savings account with Northern Birch Credit Union for a minimum of 3 months. Member referral Terms and Conditions apply.

A referred new member is eligible to receive the $50 referral bonus upon becoming a member (or $75 if they are an eligible student during the promotion period) but may not claim both the New Member Referral Bonus Offer of $50 and the New Student Member Bonus $75 Offer upon becoming a new member. They may in turn refer other new members and therefore then be eligible for a $50 referral bonus after meeting the above criteria. Other restrictions may apply.

If eligible, both the referring member and the new member will have the funds automatically deposited to their accounts after 3 months of each separately meeting the promotional requirements. 

Student Loan/Line of Credit Bonus $75 Offer:

If a student loan application is approved and funded for an eligible member of Northern Birch Credit Union, this qualifies an eligible student for a $75 bonus. The student loan bonus applies for new and existing members who have been members for a minimum of 3 months and held an active chequing or savings account. This offer may be combined with the New Student $75 Bonus Offer. The bonus funds will be automatically deposited to their account after 3 months of meeting the promotional requirements. Other restrictions and terms and conditions apply.

All offers subject to change at any time without notice. An active account refers to an account, other than a member share account, which has a current balance and has at least one transaction made during the promotion period.

Available for our personal and business members, you can send 5 free Interac e-Transfers® a month from your eligible chequing account. Each Interac e-Transfer will be charged a $1.00 fee at time of sending. Up to five e-Transfer fees will be credited back to you the member the end of the month.