Skip to main content
 
Birch tree in sunlight, reflecting the benefit of banking with Northern Birch Credit Union.

Like your friend said:
Northern Birch treats you like a person, not an account number.

Open your account today and earn $50.*

Mention who referred you and they'll earn $50 too!

Join Today

At Northern Birch Credit Union you're more than an account number, you're an owner!

A drawing of a line through a cash bill, reflecting no fee banking.

No-Fee Banking

Enjoy no-fee chequing and savings accounts with no minimum balance and unlimited transactions.

A drawing of speech bubbles, reflecting that members have a voice.

Members have a Voice

As an owner and shareholder, every member has a say and we work for you, not outside shareholders.

A drawing of electronic switches, reflecting personalized service.

Personalized Service

Interest rates for loans and mortgages are fine-tuned and personalized to your financial goals to give you the greatest advantage.

A drawing of a human profile, reflecting an individual rooted in community.

Rooted in Community

Northern Birch is locally rooted and invests in the people, events and causes that matter to our members.

Why I chose Northern Birch

“After having multiple frustrating experiences completely lacking in empathy or humanity with the big banks, I decided to open my business bank account with Northern Birch. They provide top tier service, fees are far more reasonable, and if there is ever an issue they are there to help. I’m so glad I made the switch and I’m a member of Northern Birch now.”

Mikey, Northern Birch Member

A couple smiling and look at a tablet, reflecting the security of full service banking.

Full-Service Banking

You get everything a big bank offers, plus so much more:

  • Mobile and online banking – with more than 3,000 ding-free® ATMs across Canada
  • No-fee chequing and savings accounts
  • A choice of credit cards that meets your needs

More than that, our mortgage specialist personally review your financial situation, and tailor products and solutions just for you.

Plus our investment specialists guide you through the most effective way to build your wealth, keeping it in line with your life goals.

Join Now

Legal Terms and Conditions

New Member Referral $50 Bonus Offer & $500 Draw

$50 Referral Bonus:

*Referring member must have an active account with Northern Birch Credit Union (min. age of 16). The new member must be at least 16 years of age & meet the requirements for membership at Northern Birch Credit Union. To receive the $50, the new member must hold an active chequing or savings account for at least 3 months. Alternatively, acquiring an investment product or a personal loan also completes the referral process. Both the new member and the referring member will have the funds automatically deposited to their accounts within 90 days of meeting the promotional requirements. Other restrictions may apply. May not be combinable with other promotional offers unless specified.

$500 Prize Draw:

Open to approved Northern Birch Credit Union members who refer a new member between July 1, 2025 and December 31, 2025. One (1) winner will receive a cash prize deposited to their Northern Birch Credit Union account. Referring members must be in good standing at the time of the draw and meet the 3-month membership minimum criteria to be eligible. The referred individual must become a member and remain a member in good standing for at least 3 months after the time of membership approval in order for the referring member to be eligible. A member may have multiple entries, provided both parties meet the requirements in the case of each additional referral. The draw will be conducted at random on or after April 15, 2026. A skill-testing question must be answered correctly to claim the prize. The prize is non-transferable. The prize will be deposited into the referring winner’s chequing or premium savings account at Northern Birch Credit Union by April 30, 2026. Northern Birch reserves the right to verify eligibility and disqualify any participant who does not meet the criteria. This promotion is subject to change or cancellation at any time without notice. For full Northern Birch contest terms and conditions, visit our website.