Our Editorial Independence
We built CreditUnionDirectory.ca because Canadians deserve a truly independent source for credit union information: verified data, transparent methodology, and no financial ties to any credit union.
The short version
CreditUnionDirectory.ca does not receive money from credit unions. We do not earn commissions when you join one. We do not accept payment from credit unions for better rankings or featured placement. Our data comes directly from each credit union's own website and is independently verified. We have no financial incentive to promote any institution over another.
Our editorial principles
Hard rules, applied to every listing on this site.
No commissions, ever
We earn zero referral fees, signup bonuses, or commissions from any credit union. Our rankings reflect data, nothing else.
No paid credit union placements
Credit union listings in our directory cannot be purchased or upgraded for a fee. Every credit union appears based on the same objective criteria. There is no 'sponsored' or 'featured' tier for credit unions.
Advertising is separate from editorial
This site carries third-party display advertising served automatically by Google AdSense. We do not control which specific advertisers appear in those placements.
Primary-source data only
Rates, fees, and product details are sourced directly from each credit union's official website. We verify what's actually published on each institution's live pages.
Regular verification
Our automated system checks rates directly from each credit union's website regularly. Each listing shows when it was last verified and the confidence level of the data. We flag data that cannot be independently confirmed.
Algorithmic rankings
Our ratings and rankings are calculated algorithmically from publicly available data, applied consistently across all listings.
How we collect and verify data
Our five-step research process ensures rates and information reflect what credit unions actually publish, verified directly from each institution's live pages.
Discover
We identify Canadian credit unions from regulatory filings, provincial regulator lists, and publicly available directories. Every credit union with a public website is eligible for inclusion.
Research
Our system visits each credit union's official website and collects rates, product details, contact information, and eligibility requirements from their own published pages.
Verify
Data is reviewed and assigned a confidence level: 'Verified (Official Source)' means the rate was found on a dedicated rates page. Lower confidence scores are shown transparently.
Update
Rates change. Our system re-checks listings regularly to catch changes. The 'last checked' date is shown on every profile so you know how fresh the data is.
Publish
All credit unions meeting our data quality threshold are published, regardless of their size, province, or whether they have any relationship with CreditUnionDirectory.ca.
Data confidence levels
Credit unions vary in how prominently and consistently they publish rate information. We display a confidence level on every rate we publish (High, Medium, or Low) so you can weigh the data accordingly before acting on it.
Rate found on a dedicated rates page on the credit union's official website. Highest confidence.
Rate found on the credit union's website but not on a dedicated rates page, such as a product page or FAQ.
Rate inferred from available content with some ambiguity. Treat as a starting point and verify before making decisions.
Rate could not be independently confirmed from the credit union's website. Not displayed publicly.
What we are
Our mission
Credit unions serve over 13 million Canadians and often offer meaningfully better financial products than the major banks. Yet they're dramatically under-covered by financial media that's dominated by bank advertising. We exist to change that, one independently verified listing at a time.