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    From pay-as-you-go to unlimited transactions, it all adds up to what works for you.

    Unlimited use

    Unlimited Chequing

    With unlimited transactions comes unlimited convenience. Feel free to make as many transactions as you want, online or in person.

    Key features:

    • Unlimited branch, online & mobile transactions
    • Unlimited free Interac® e-Transfers
    • Unlimited debit
    • Unlimited credit union ATM
    • 2 non-credit union ATM transactions

    Monthly fee:

    • $14.95
    • $7.48 Seniors (59+)
    • $11.95 Youth (under 25)
    • Free by maintaining a $3,000 balance

    OPEN ACCOUNT

    VIEW DETAILS
    Unlimited electronic

    Unlimited eAccount

    Great for those who prefer electronic transactions and self-service options through online banking and mobile devices.

    Key features:

    • Unlimited online & mobile transactions
    • Unlimited free Interac® e-Transfers
    • Unlimited debit
    • Unlimited credit union ATM

    Monthly fee:

    • $10.95
    • Free for newcomers
    • $11.95 Youth (under 25)
    • Free by maintaining a $5,000 balance

    OPEN ACCOUNT

    VIEW DETAILS
    Pay per use

    Pay-as-you-go

    Like to keep a handle on your spending? Make the transactions you want, online or in person, and only pay for what you use—not what you don’t.

    Key features:

    • Mobile app cheque deposits
    • Unlimited free Interac® e-Transfers
    • Overdraft protection with approved credit

    Monthly fee:

    • $2.5
    • Per item feed apply

    OPEN ACCOUNT

    VIEW DETAILS
    Occastional use

    Chequing 15

    You only make a few transactions a month, so why pay for more? Keep things simple with an everyday account that gives you what you need.

    Key features:

    • 15 transactions
    • Unlimited free Interac®

    Monthly fee:

    • $4.00
    • Free for Seniors (59+)
    • Free with $2,000 min. monthly balance

    OPEN ACCOUNT

    VIEW DETAILS
    Bikes & Cycling

    Greener Energy 
Bike Loan

    Pedal your way to a healthier planet and a healthier you. Low-rate bike loans are available to help you find the perfect two-wheeled transport so you can get from A to B sustainably.

    Key features:

    • Flexible repayment options
    • Terms between 1 and 12 months
    • No pre-payment penalties
    • Minimum loan of $1000

    Monthly fee:

    • Starting at prime rate +1%

    BOOK AN APPOINTMENT

    How to take advantage of electric vehicle consumer rebates



    You can count on us

    Online or in person, we’re here to help with all the banking services you need:

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    Digital & mobile
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    Phone & video
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    Canada-wide ATM network
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    In-person banking

    Tools to track your spending



    Budgeting isn’t easy, but it can help you understand where your money’s going. And that makes it easier to figure out how to reach your goals.

    Why track spending?

    Tracking your spending habits isn’t about taking the fun out of life. It’s about getting a handle on your finances.


    BUDGETING STRATEGIES

    Household budget checklist

    Keeping a budget starts with tracking your spending. This handy worksheet can help.


    DOWNLOAD CHECKLIST

    Guide to 
budgeting

    Think having a budget is boring? Not worth the effort? Our First Timer’s Guide to Budgeting can help you get started in 5 easy steps.


    DOWNLOAD GUIDE
    Seeing the smile on a new member’s face makes my day, 
every time.

    Talk to an expert

    Advisors like Sam are ready to help members

    Sam is an X and works at Y, helping members do Z, Sam and advisors like her can help members:

    • Find the perfect account
    • Set up a monthly budget
    • Save for a down payment
    • Get a loan for your next project
    • Stay on track for retirement

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    Canada Greener Home Grant

    Upgrade with a greener homes grant

    The Greener Homes initiative from Efficiency Nova Scotia offers grants of up to $5,000 to help homeowners make energy efficient upgrades to their primary residences. To qualify, Canadians must obtain an EnerGuide assessment prior to installing any upgrades.


    Loan calculator


    Our loan calculator helps to determine the amount you can borrow and what your repayment schedule might be.

    These calculators are made available to you as tools for independent use and are not intended to provide investment advice. We cannot and do not guarantee their applicability or accuracy. All examples are hypothetical and are for illustrative purposes only. Please visit your branch to seek personalized advice from qualified professionals for all personal finance issues.


    Popular mortgages


    Interest rates


    Rates for some of our most popular mortgages and terms include:

    East Coast Credit Union prime rate

    2.45%

    6 month open first mortgage rate

    6.95%

    1 year closed first mortgage rate

    2.79%

    5 year closed first mortgage rate

    4.79%
    View all rates

    (Rates effective 2021-10-27)

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