54+ Data Points. One Source of Truth.
Every credit union profile on this site is built from a structured research process. Here's exactly what we track, how we collect it, and what you should keep in mind when using rate data to make financial decisions.
What we track per institution
Each credit union profile is built from 54 discrete data points across eight research categories. Composite fields (like "products offered") represent multiple individual assessments, not a single checkbox.
Rates
5 data points- High-Interest Savings Account (HISA) rate
- 1-year GIC rate
- 3-year GIC rate
- 5-year GIC rate
- 5-year fixed mortgage rate
Rate Sourcing & Confidence
3 data points- Source URL (official rate page)
- Confidence level (verified / estimated / unavailable)
- Date last reviewed
Deposit Insurance
3 data points- Regulating insurance body (CDIC, FSRA, CUDIC, CUDGC, etc.)
- Per-category coverage limit (or "unlimited")
- Insurance notes & nuances
Eligibility & Membership
6 data points- Open to all Canadians (yes / no)
- Eligibility type (geographic, employer, community, nation-wide)
- Detailed eligibility requirements (narrative)
- Provinces where membership is available
- Number of provinces / territories served
- Membership share / joining cost
Products Offered
13 data points- Chequing account
- High-Interest Savings Account (HISA)
- TFSA
- RRSP
- RRIF
- FHSA (First Home Savings Account)
- GICs / Term Deposits
- Mortgages
- Personal loans / lines of credit
- USD & foreign currency accounts
- Youth / student accounts
- Business / commercial banking
- Investments & wealth management
Digital & Branch Access
5 data points- Mobile banking app (yes / no)
- Online banking portal (yes / no)
- Interac e-Transfer support
- ATM network affiliation
- Number of branch locations
Institution Profile
12 data points- Legal name
- Logo / brand mark
- Province (head office)
- City (head office)
- Physical address
- Phone number
- Email address
- Official website
- Tagline / member value proposition
- Year founded
- Total assets under management
- Approximate membership count
Editorial Assessment
7 data points- Overall rating (1–5)
- Rates sub-rating
- Digital banking sub-rating
- Service sub-rating
- Pros (curated list)
- Cons (curated list)
- "Best for" profile
How we collect and verify data
We follow a six-step process for every institution we add to the directory. The goal is to rely on primary sources, namely the credit union's own official channels, wherever possible.
Source identification
We identify each credit union's official rate page, the same URL their own members use. We do not rely on aggregator feeds or third-party data brokers.
Manual rate capture
Rates are read and recorded directly from official sources. Where rates are posted as a range, we record the highest publicly available non-promotional rate.
Confidence tagging
Every rate entry is tagged as Verified (sourced from the official rate page), Estimated (derived from secondary sources), or Unavailable (not publicly disclosed). We show this status on profile pages.
Profile data compilation
Non-rate fields (eligibility, products, deposit insurance, digital access) are researched from official websites, provincial regulator disclosures, and credit union annual reports.
Editorial review
Profiles are reviewed for completeness and accuracy before publishing. Profiles with missing or low-confidence data are flagged for follow-up.
Ongoing maintenance
We monitor rate pages for changes and update records on a rolling basis. Our goal is monthly verification for active institutions, with last-reviewed dates shown on every profile.
Accuracy & limitations
We take our research seriously, but financial data moves. Here's what you need to know before using rate or feature information from this site.
Rates change without notice
Credit unions can adjust their posted rates at any time, sometimes daily for HISA rates. The rate you see on our site reflects the most recent figure we captured from the institution's official source. Always confirm the current rate directly with the credit union or on their official rate page before making a financial decision.
Data may be out of date
Despite regular reviews, there may be a lag between when a credit union updates its rates and when we reflect that change. We display a "last reviewed" date on each profile so you can judge how current the information is. Profiles marked with lower confidence ratings have not been recently verified from primary sources.
Eligibility rules can vary
Some credit unions have nuanced eligibility criteria that aren't fully captured in a short summary field. We strongly recommend reviewing the credit union's own membership page or calling them directly to confirm your eligibility before applying.
We are not responsible for reliance on this data
CreditUnionDirectory.ca is an independent information resource, not a licensed financial adviser. All information is provided for research and comparison purposes only. We are not responsible for decisions made on the basis of information contained on this site, nor for inaccuracies that result from changes made by institutions after our most recent review. See our Terms of Service for the full disclaimer.
If you notice a rate or detail that appears incorrect, please let us know. We review all submissions and update our records promptly.
Independent by design
We do not accept referral fees, sponsored placements, or commissions from any credit union. No institution can pay to improve its ranking or appear higher in search results. Our ratings and rankings are based solely on the data we collect.