Everything You Need to Know About Credit Unions
Independently researched guides covering rates, deposit insurance, eligibility, switching, and how credit unions compare to Canada's big banks.
Rate Guides
Live rankings and in-depth guides for every rate category, updated as rates change.
Best Credit Union HISA Rates
Live savings rate rankings across Canadian credit unions, updated regularly.
Best Credit Union GIC Rates
1-, 3- and 5-year GIC rates compared. Understand terms, early redemption, and deposit coverage.
Best Credit Union Mortgage Rates
5-year fixed rates from credit unions across Canada, with a comparison against the Big Five.
Understanding Credit Unions
Plain-language explainers covering ownership, insurance, membership, and more.
Credit Union vs Bank
12 key differences covering ownership, rates, fees, deposit insurance, and who actually benefits.
Deposit Insurance Guide
CDIC vs provincial deposit insurers: province-by-province breakdown of coverage limits.
How to Join a Credit Union
Eligibility rules, membership shares, and what changes once you become a member-owner.
TFSA at a Credit Union
Rates, provincial deposit coverage, and 2026 contribution rules, all in one place.
How to Switch to a Credit Union
Step-by-step checklist covering payroll, pre-authorized payments, and registered account transfers.
CRA Deadlines & Limits
Key dates and annual limits for registered accounts, sourced from the Canada Revenue Agency.
Credit Unions vs Canada's Big Banks
Side-by-side comparisons with each of the Big Five: rates, fees, deposit protection, and culture.
Credit Union vs RBC
Canada's largest bank vs member-owned cooperatives
Credit Union vs TD
TD Bank compared on rates, fees, and ownership model
Credit Union vs Scotiabank
Scotiabank vs credit unions across Canada
Credit Union vs BMO
Bank of Montreal vs the credit union alternative
Credit Union vs CIBC
CIBC compared on savings rates, mortgages, and fees
More bank comparisons coming soon as we expand our research coverage.
About Our Research
How we collect data, maintain editorial independence, and keep information accurate.
Ready to find your credit union?
Browse and compare 183+ verified Canadian credit unions: filter by province, city, rates, and services.