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Our difference

Big bank capabilities with the heart of a credit union.

At East Coast Credit Union, we believe a community is born when we gather together to share a burden and lend a hand. And now more than ever, community matters. Learn more about what community means to us and what makes us the best way to bank in Atlantic Canada.

Upcoming Events

Events and celebrations

Here are some upcoming exciting events happening at East Coast Credit Union!

Baddeck Grand Re-Opening

Join us for a celebration!

We are thrilled to invite you to the Grand Re-Opening of our Baddeck location. This re-imagined, modern space reflects our ongoing mission to share, grow, and evolve together. Our refreshed location symbolizes our dedication to better serving our communities here at home.

Event details:
  • Date: Wednesday, June 26th
  • Time: 10:30 – 12:00
  • Location: East Coast Credit Union Baddeck 521 Chebucto St, Baddeck, NS, B0E 1B0

Member Appreciation Day

Join us to celebrate, YOU!

Member Appreciation Day is all about celebrating you, our members, and our community! As a thank you for your membership, we will have treats, refreshments, and giveaways available at your local branch. There will also be a chance for you to enter to win a great prize!

Join us Wednesday, June 26th, at your local branch to celebrate!

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Growing better together

Growing our credit union partnership

East Coast Credit Union and Provincial Government Employees Credit Union are growing our partnership to explore a merger. This exploration is focused on creating a strong credit union that can offer growth, innovation, and sustainability for all members.

Quick links

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Coad-e is here!

Introducing, Coad-e!

We're thrilled to introduce our newest team member, Coad-e. Coad-e is our AI Advisor who can answer any questions you have on our website, 24/7. You can find Coad-e in the bottom right corner of every page. They can help you find solutions on many topics, such as:

  • Product solutions
  • Finding a branch
  • Booking an appointment

Popular mortgage options

Home sweet home, for less

East Coast Credit Union specializes in finding you the right mortgage that fits your needs. We’ll guide you through the process, whether it’s welcome to Nova Scotia or welcome to the neighbourhood.

Discover flexible options

Total Access Home Equity

Assess up to 80% of your homes value using a variety of products including mortgages, home equity lines of credit, and loans. This mortgage option makes debt management easy by consolidating your borrowing needs into one simple payment.


  • Save on interest by consolidating debt
  • Access up to 80% of your home's current value
  • Choose between fixed and variable rates



Unlock savings

Make your move

For a limited time, East Coast Credit Union is offering a special mortgage incentive on 3, 4, and 5-year terms when you move your mortgage over to us. We'll cover up to $1,000 in transfer fees, that's right – more money in your pocket where it belongs! *Conditions apply


  • Available for new and transfered mortgages
  • Applicable to all mortgage types
  • Available on 3, 4, and 5-year terms


Total Access Home Equity

First Home Savings Account

Start saving today

  • Tax-free qualified withdrawals
  • $8K annual contribution room
  • Keep your FHSA open for 15 years

Reloadable Mastercard® with cash back rewards

Business solutions

Debit and credit payment processing

Point of sale systems for processing debit and credit card payments in store, online, or on the go.

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2023 Annual Report

A beacon of success

East Coast Credit Union celebrated significant milestones in 2023, marking our 90th anniversary and the 75th anniversary of the Nova Scotia Cooperative Council. Click the links below to view our milestones and achievements.

Check out these helpful articles


How to add a card to your mobile wallet

East Coast Credit Union is now offering a new and easy way to pay! Whether you use an Apple device, Samsung Galaxy smartphone, or Android device, you can load your Interac® debit card for secure and easy purchases.



What affects my credit score?

Anyone who’s ever used a credit card, taken out a loan, or purchased an item on layaway has a credit history and score— a three-digit number from 300 (worst) to 900 (best) that rate how well you’ve managed credit in the past.


Guide to Saving and Investing

You have dreams for your future—but you are struggling how to translate these dreams into reality. This first timer’s guide will lead you through five easy steps to get you started with saving and investing for your now and for your future.