{"id":866618,"date":"2020-07-07T16:00:06","date_gmt":"2020-07-07T20:00:06","guid":{"rendered":"https:\/\/www.finder.com\/ca\/?p=866618"},"modified":"2026-04-20T14:09:50","modified_gmt":"2026-04-20T18:09:50","slug":"bank-accounts-credit-unions","status":"publish","type":"post","link":"https:\/\/www.finder.com\/ca\/banking\/bank-accounts-credit-unions","title":{"rendered":"Bank accounts offered by credit unions"},"content":{"rendered":"<p>Wondering about credit unions? They\u2019re smaller than the big traditional banks and run by members instead of shareholders, so you get more say in how they operate. But smaller institutions could mean fewer branches and ATMs. Check out our guide on credit unions and find out what to look for\u2014and avoid\u2014when exploring accounts.<\/p><h3>What is a credit union?<\/h3><p>A credit union is a nonprofit financial institution that generally offers the same products as traditional banks. Each credit union member owns a share in the organization they belong to, and each has a vote in how the credit union is managed or governed.<\/p><p>While banks pass any profits on to their external shareholders, a credit union\u2019s profits are put back into the products and services they offer. This aims to let members enjoy their share of profits through better customer service, lower mortgage interest rates, fewer fees and better banking products.<\/p><p>Originally, credit unions were created by various industries to give their workers access to banking products without having to pay high rates and fees. For this reason, many credit unions today still only cater to certain groups, such as teachers unions or religious groups. However, many have been able to expand their membership to the general public.<\/p><article class=\"luna-card luna-card--border\">\r\n  <div class=\"luna-card__block\">\r\n    \r\n  \t\r\n  \t\r\n    \r\n    \r\n    <div class=\"u-grid u-grid--alignTop\">\r\n      <div class=\"u-grid__col u-1\/4@m \" style=\"padding-bottom: 0px;\" data-product-id=\"166bad72-d77f-4a8a-bf64-75980b027cc9\" data-product-name=\"Coast Capital Unlimited Chequing Account\" data-niche=\"Chequing Accounts\" data-provider-name=\"Coast Capital\" data-rewards-campaign-name=\"\">\r\n        <center><img decoding=\"async\" data-src=\"https:\/\/www.finder.com\/niche-builder\/6408c2365e18c.png\" class=\"lazy-load\" alt=\"Coast Capital Unlimited Chequing Account\" src=\"https:\/\/www.finder.com\/niche-builder\/6408c2365e18c.png\" style=\"width: 100%; max-width: 200px;\" srcset=\"https:\/\/www.finder.com\/niche-builder\/6408c2365e18c.png?fit=180 180w, https:\/\/www.finder.com\/niche-builder\/6408c2365e18c.png?fit=360 360w, https:\/\/www.finder.com\/niche-builder\/6408c2365e18c.png?fit=600 600w\" sizes=\"(max-width: 600px) 100vw, 600px\" loading=\"lazy\"><\/center>\r\n        <div class=\"has-padding-xsmall\"><\/div>\r\n\r\n        \r\n        <center>\r\n          <div class=\"detail-info 166bad72-d77f-4a8a-bf64-75980b027cc9\" style=\"cursor: pointer; z-index: 1;position: relative; margin-bottom: 1rem; display: inline-flex;\">\r\n            \r\n\r\n            \r\n            \r\n            \r\n            <a class=\"scoreCombined score__container finder-score\">\r\n              <span class=\"score__badge score__badge--great\">\r\n                <span class=\"score__value\">8<\/span>\r\n              <\/span>\r\n              <span class=\"score__text-wrapper score__text score__text--great\">\r\n                Great\r\n              <\/span>\r\n            <\/a>\r\n            \r\n          <\/div>\r\n        <\/center>\r\n\r\n\r\n        <a class=\"luna-button luna-button--success luna-button--fluid has-margin-top-xsmall rewards--cta\" href=\"https:\/\/www.finder.com\/redirect\/ca\/chequing-accounts\/coast-capital-unlimited-ca-chequing-accounts-secure.html?nb=1&amp;src_country=ca&amp;redirect_tracking_params=%7B%22placement_type%22%3A%22nb-product%22%2C%22product_id%22%3A%22166bad72-d77f-4a8a-bf64-75980b027cc9%22%2C%22product_name%22%3A%22Coast%2BCapital%2BUnlimited%2BChequing%2BAccount%22%2C%22offer_id%22%3A%2224793%22%2C%22decorator%22%3A%22CAFSA-CHQ.PRODUCT.MISC_PRODUCT_DISPLAY_V2%22%2C%22niche_code%22%3A%22CAFSA-CHQ%22%2C%22post_id%22%3A%22866618%22%2C%22post_path%22%3A%22banking%252Fbank-accounts-credit-unions%22%2C%22post_country%22%3A%22ca%22%7D\" target=\"_blank\" type=\"button\">Go to site<\/a>\r\n        <a class=\"luna-button luna-button--action luna-button--ghost luna-button--fluid\" href=\"https:\/\/www.finder.com\/ca\/chequing-accounts\/coast-capital-chequing\/coast-capital-unlimited-chequing-account-review\" role=\"button\">Read review<\/a>\r\n      <\/div>\r\n      <div class=\"u-grid__col u-3\/4@m\" style=\"padding-bottom: 0px;\">\r\n        <div class=\"\u201chas-padding-xsmall\u201d\"><\/div>\r\n        <h4 id=\"166bad72-d77f-4a8a-bf64-75980b027cc9\" class=\"luna-card__title\" style=\"padding-bottom: 10px; font-size: 20px;\"><b>Coast Capital Unlimited Chequing Account<\/b><\/h4>\r\n\r\n        \r\n        <div class=\"u-grid u-grid--alignMiddle\">\r\n          <div class=\"u-grid__col u-1\/3@m u-1\/2\" style=\"padding-bottom: 0px;\">\r\n            <span style=\"font-size: 25px; font-weight: 900; color: #1D53FF;\"><b>Earn $450<\/b><span class=\"table-popover\" rel=\"popover\" data-content=\"&lt;b&gt;Earn $450.&lt;\/b&gt; New members can get $450 when they open and use a Coast Capital Unlimited Chequing Account. &lt;b&gt;Offer ends July 6, 2026.&lt;\/b&gt;\" title=\"\" data-original-title=\"More info\">\r\n              \r\n            <\/span>\r\n            <br>\r\n            <span style=\"font-size: 15px; font-weight: 500; color: #6c7881; position: relative; top: -8px;\">Bonus\r\n              Offer<\/span>\r\n\r\n          <\/span><\/div>\r\n          <div class=\"u-grid__col u-1\/3@m u-1\/2\" style=\"padding-bottom: 0px;\">\r\n\r\n            <span style=\"font-size: 25px; font-weight: 900; color: #1D53FF;\">$8.50\r\n              \r\n            <\/span>\r\n            <br>\r\n            <span style=\"font-size: 15px; font-weight: 500; color: #6c7881; position: relative; top: -8px;\">Monthly\r\n              Account Fee<\/span>\r\n\r\n          <\/div>\r\n          <div class=\"u-grid__col u-1\/3@m u-1\/2\" style=\"padding-bottom: 0px;\">\r\n            <span style=\"font-size: 25px; font-weight: 900; color: #1D53FF;\">unlimited\r\n              \r\n            <\/span>\r\n            <br>\r\n            <span style=\"font-size: 15px; font-weight: 500; color: #6c7881; position: relative; top: -8px;\">Free\r\n              Transactions<\/span>\r\n\r\n          <\/div>\r\n        <\/div>\r\n\r\n        \r\n\r\n        <div class=\"has-overflow-auto luna-tabs\" style=\"margin: 0rem;\">\r\n          <ul class=\"luna-tabs__list\">\r\n            <li class=\"active luna-tab\"><a class=\"luna-tab__action\" href=\"#pb-tabname0-166bad72-d77f-4a8a-bf64-75980b027cc9-1\" data-toggle=\"tab\">Info<\/a><\/li>\r\n            \r\n            <li class=\"luna-tab\"><a class=\"luna-tab__action\" href=\"#pb-tabname1-166bad72-d77f-4a8a-bf64-75980b027cc9-1\" data-toggle=\"tab\">Pros + Cons<\/a><\/li>\r\n            \r\n            <li class=\"luna-tab\"><a class=\"luna-tab__action\" href=\"#pb-tabname2-166bad72-d77f-4a8a-bf64-75980b027cc9-1\" data-toggle=\"tab\">More Details<\/a><\/li>\r\n          <\/ul>\r\n\r\n          <div class=\"tab-content\">\r\n            \r\n            <div class=\"tab-pane active\" id=\"pb-tabname0-166bad72-d77f-4a8a-bf64-75980b027cc9-1\">\r\n              <div data-category=\"\" data-niche=\"\" data-fieldset=\"default\" class=\" default\">\r\n                <div class=\"has-padding-xsmall\"><\/div>\r\n                \r\n                <div class=\"has-padding-xsmall\"><\/div>\r\n                The Coast Capital Unlimited Chequing Account is our pick for the best chequing account in Canada from a credit union. It comes with a low monthly fee, no minimum balance requirements, $0 Interac e-Transfers and unlimited free transactions. You'll pay no monthly fee if you maintain a minimum balance of $4,000 at all times, or if you're either 25 or younger or 59 or older.\r\n              <\/div>\r\n            <\/div>\r\n\r\n            \r\n            \r\n            <div class=\"tab-pane\" id=\"pb-tabname1-166bad72-d77f-4a8a-bf64-75980b027cc9-1\">\r\n              <div data-category=\"\" data-niche=\"\" data-fieldset=\"default\" class=\" default\">\r\n                <div class=\"has-padding-xsmall\"><\/div>\r\n                <div class=\"u-grid u-grid--gutterCollapse\" style=\"margin: 0px;\">\r\n                  <div class=\"u-grid__col u-1\/2@m\">\r\n                    \r\n                    <ul class=\"list-1\">\r\n                      \r\n                      <li>No monthly fee<\/li>\r\n                      \r\n                      <li>Unlimited free transactions<\/li>\r\n                      \r\n                      <li>No minimum balance required<\/li>\r\n                      \r\n                      <li>Deposit cheques on the app from your phone<\/li>\r\n                      \r\n                      <li>No withdrawal fees from 4,000+ ATMs across Canada<\/li>\r\n                      \r\n                    <\/ul>\r\n                    \r\n                  <\/div>\r\n                  <div class=\"u-grid__col u-1\/2@m\">\r\n                    \r\n                    <ul class=\"list-12\">\r\n                      \r\n                      <li>Standard monthly fee applies<\/li>\r\n                      \r\n                      <li>Not available in Quebec<\/li>\r\n                      \r\n                    <\/ul>\r\n                    \r\n                  <\/div>\r\n                <\/div>\r\n              <\/div>\r\n            <\/div>\r\n            \r\n\r\n            \r\n            <div class=\"tab-pane\" id=\"pb-tabname2-166bad72-d77f-4a8a-bf64-75980b027cc9-1\">\r\n              <div data-category=\"\" data-niche=\"\" data-fieldset=\"default\" class=\" default\">\r\n\r\n                \r\n <table class=\"luna-table\" style=\"border: 0px;\">\r\n  <tbody class=\"luna-table__body\">\r\n    \r\n    <tr>\r\n     <th class=\"u-1\/3@m\"><span style=\"font-size: 15px; font-weight: 500; color: #6c7881; position: relative;\">Monthly Account Fee<\/span><\/th>\r\n     <td class=\"i_infobox_data product_infobox_data\"><span style=\"font-size: 15px; font-weight: 600; position: relative;\">$8.50<\/span>\r\n    <\/td>\r\n  <\/tr>\r\n    \r\n        \r\n    <tr>\r\n     <th class=\"u-1\/3@m\"><span style=\"font-size: 15px; font-weight: 500; color: #6c7881; position: relative;\">Free Transactions<\/span><\/th>\r\n     <td class=\"i_infobox_data product_infobox_data\"><span style=\"font-size: 15px; font-weight: 600; position: relative;\">unlimited<\/span>\r\n    <\/td>\r\n  <\/tr>\r\n        \r\n            \r\n    <tr>\r\n     <th class=\"u-1\/3@m\"><span style=\"font-size: 15px; font-weight: 500; color: #6c7881; position: relative;\">Interac e-Transfer Fee<\/span><\/th>\r\n     <td class=\"i_infobox_data product_infobox_data\"><span style=\"font-size: 15px; font-weight: 600; position: relative;\">$0<\/span>\r\n      <\/td>\r\n  <\/tr>\r\n            \r\n                \r\n    <tr>\r\n     <th class=\"u-1\/3@m\"><span style=\"font-size: 15px; font-weight: 500; color: #6c7881; position: relative;\">In-Network ATM Fee<\/span><\/th>\r\n     <td class=\"i_infobox_data product_infobox_data\"><span style=\"font-size: 15px; font-weight: 600; position: relative;\">$0<\/span>\r\n      <\/td>\r\n  <\/tr>\r\n                \r\n                \r\n                    \r\n    <tr>\r\n     <th class=\"u-1\/3@m\"><span style=\"font-size: 15px; font-weight: 500; color: #6c7881; position: relative;\">Foreign Transaction Fee<\/span><\/th>\r\n     <td class=\"i_infobox_data product_infobox_data\"><span style=\"font-size: 15px; font-weight: 600; position: relative;\">2%<\/span>\r\n      <\/td>\r\n  <\/tr>\r\n                        \r\n                    \r\n    <tr>\r\n     <th class=\"u-1\/3@m\"><span style=\"font-size: 15px; font-weight: 500; color: #6c7881; position: relative;\">CDIC Deposit Insurance<\/span><\/th>\r\n     <td class=\"i_infobox_data product_infobox_data\"><span style=\"font-size: 15px; font-weight: 600; position: relative;\">$100,000<\/span>\r\n      <\/td>\r\n  <\/tr>\r\n                            \r\n    <tr>\r\n     <th class=\"u-1\/3@m\"><span style=\"font-size: 15px; font-weight: 500; color: #6c7881; position: relative;\">Bonus Offer<\/span><\/th>\r\n     <td class=\"i_infobox_data product_infobox_data\"><span style=\"font-size: 15px; font-weight: 600; position: relative;\"><b>Earn $450<\/b><span class=\"table-popover\" rel=\"popover\" data-content=\"&lt;b&gt;Earn $450.&lt;\/b&gt; New members can get $450 when they open and use a Coast Capital Unlimited Chequing Account. &lt;b&gt;Offer ends July 6, 2026.&lt;\/b&gt;\" title=\"\" data-original-title=\"More info\">\r\n               <\/span>\r\n      <\/span><\/td>\r\n  <\/tr>\r\n  <\/tbody>\r\n<\/table>               \r\n                \r\n    <\/div>\r\n            <\/div>\r\n          <\/div>\r\n        <\/div>\r\n\r\n      <\/div>\r\n    <\/div>\r\n  <\/div>\r\n<\/article>\r\n\r\n\r\n\r\n\r\n<style>\r\n  .no-cta-button {\r\n    font-weight: bold;\r\n    font-size: 18px;\r\n    color: #00ba9c;\r\n    text-decoration: underline;\r\n    text-align: center;\r\n    margin-top: 0 !important;\r\n    width: 100%;\r\n  }\r\n\r\n  .no-cta-button:hover {\r\n    color: #4dceb9;\r\n  }\r\n<\/style>\r\n\r\n<style>\r\n  .scoreCombined.finder-score::before {\r\n    display: none;\r\n  }\r\n\r\n  .score__container {\r\n    display: flex;\r\n    width: 100%;\r\n    flex-direction: column;\r\n    flex-flow: nowrap;\r\n    font-size: 18px;\r\n  }\r\n\r\n  .score__badge {\r\n    border-radius: 100px 16px 100px 100px;\r\n    border: none;\r\n    display: flex;\r\n    justify-content: center;\r\n    align-items: center;\r\n    height: 2.2rem;\r\n    width: 2.2rem;\r\n    background-image: linear-gradient(45deg,\r\n        transparent 25%,\r\n        rgba(255, 255, 255, 0.2) 50%,\r\n        transparent 75%,\r\n        transparent 100%);\r\n    background-size: 250% 250%, 100% 100%;\r\n    background-position: -100% 0, 0 0;\r\n    background-repeat: no-repeat;\r\n  }\r\n\r\n  .score__badge--excellent {\r\n    background-color: rgb(25, 105, 232);\r\n    box-shadow: rgba(18, 85, 208, 0.3) 0px 1.125px 6.75px 0px,\r\n      rgba(255, 255, 255, 0.25) 0px 4.5px 4.5px 0px inset,\r\n      rgba(255, 255, 255, 0.25) 0px 2.25px 0px 0px inset,\r\n      rgba(0, 0, 0, 0.2) 0px 0px 0px 1.125px inset,\r\n      rgb(25, 105, 232) 0px -2.25px 0px 0px inset;\r\n  }\r\n\r\n  .score__badge--great {\r\n    background-color: rgb(0, 120, 40);\r\n    box-shadow: rgba(18, 85, 208, 0.3) 0px 1.125px 6.75px 0px,\r\n      rgba(255, 255, 255, 0.25) 0px 4.5px 4.5px 0px inset,\r\n      rgba(255, 255, 255, 0.25) 0px 2.25px 0px 0px inset,\r\n      rgba(0, 0, 0, 0.2) 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}\r\n<\/style><h3>How do I compare credit union bank accounts?<\/h3><p>Make sure you keep the following features in mind when weighing up the pros and cons of different credit union bank accounts:<\/p><h4>Fees<\/h4><p>Start by checking what fees and charges will apply to your account. These include monthly fees, annual fees, overdraft fees, bill pay fees, foreign transaction fees and anything else you can be charged. Read the fine print closely to familiarize yourself with all penalties that may apply, and check to see if any of the fees can be waived if you meet certain conditions, like a minimum balance requirement.<\/p><h4>Account access<\/h4><p>Compare the options you have for accessing your funds: Can you manage your money online, from an app, over the phone and\/or by popping into a branch? If you ever need fast access to your funds in an emergency, can you withdraw money from your account without incurring any fees? If you regularly <a href=\"https:\/\/www.finder.com\/ca\/chequing-accounts\/atm-near-me\">use ATMs<\/a>, how large is the credit union\u2019s ATM network?<\/p><h4>Internet and mobile banking portals<\/h4><p>In our modern world, more and more of our everyday banking transactions are carried out online or via your smartphone. With this in mind, read reviews and testimonials to find out how user-friendly the credit union\u2019s Internet banking portal and mobile app are.<\/p><p><a class=\"more-link-arrow\" href=\"https:\/\/www.finder.com\/ca\/digital-banking\" rel=\"noopener noreferrer\">Learn more about digital and online banking<\/a><\/p><h3>Questions to ask when choosing a credit union<\/h3><p>If you\u2019re thinking about joining a credit union, consider the following factors when making your decision:<\/p><div class=\"u-grid\"><div class=\"u-grid__col u-1\/2\"><div class=\"gridExample\"><ul class=\"list-9\"><li>Does the credit union have a branch close to you?<\/li><li>Does it offer the accounts, credit cards and services you require?<\/li><li>Does it charge high fees on its products?<\/li><li>How long has it been established? Does it have a good reputation?<\/li><\/ul><\/div><\/div><div class=\"u-grid__col u-1\/2\"><div class=\"gridExample\"><ul class=\"list-9\"><li>Does it offer online banking? If so, is it easy to use?<\/li><li>Can it offer prompt and friendly customer support whenever you need help?<\/li><li>Is it chartered at the provincial or federal level?<\/li><li>Do you qualify for an account?<\/li><\/ul><\/div><\/div><\/div><h3>What are the benefits of credit union bank accounts?<\/h3><ul class=\"list-1\"><li><b>Lower fees.<\/b> Since credit unions are nonprofit institutions, fees for services and accounts are often lower than banks.<\/li><li><b>Competitive rates.<\/b> Many credit unions offer interest rates that compare to or beat traditional banks.<\/li><li><strong>Personalized experience.<\/strong> Credit unions are much smaller than most banks, allowing them to offer a more personal approach to banking.<\/li><li><strong>Voting rights.<\/strong> Credit union members get a say in how the institution is run and can vote on important decisions like appointing new board members.<\/li><li><strong>Peace of mind.<\/strong> Because a credit union is a nonprofit, it can\u2019t put potential profits above the wellbeing of its members.<\/li><li><strong>Safe banking options.<\/strong> According to the CDIC, each of Canada\u2019s 10 provinces has a provincial <a href=\"https:\/\/www.cdic.ca\/about-us\/organizational-structure\/our-partners\/provincial-deposit-insurers\/#:~:text=Each%20of%20Canada's%2010%20provinces,in%20the%20province%20of%20Qu%C3%A9bec.\" target=\"_blank\" rel=\"noopener noreferrer\">deposit insurer that protects provincial credit unions<\/a>.<\/li><\/ul><h3>What are the risks of a credit union?<\/h3><p>Things to watch out for while comparing a credit union to a bank include:<\/p><ul class=\"list-3\"><li><b>Limited presence.<\/b> Due to its smaller size, you might find that the credit union you choose doesn\u2019t have a large presence in Canada. This can make it hard to find a branch or in-network ATM while traveling.<\/li><li><b>Membership fees.<\/b> Most credit unions require you to pay a membership fee or make a donation in order to join.<\/li><li><b>Less tech-savvy. <\/b>Smaller credit unions may not have the resources to invest in expensive technology like mobile banking apps, though most will have at least some online presence.<\/li><\/ul><h3>The biggest credit unions in Canada<\/h3><p>Here are the top 10 largest credit unions in Canada by assets as of Q4 of 2019:<\/p><div class=\"u-grid\"><div class=\"u-gridcol u-1\/2@s u-1\/1\"><div class=\"gridExample\"><ul class=\"list-10\"><li class=\"p1\">Vancity \u2014 $23.2 billion<\/li><li class=\"p1\">Meridian Credit Union Limited \u2014 $21 billion<\/li><li class=\"p1\">Coast Capital Savings Federal Credit Union\u2014 $20.2 billion<\/li><li class=\"p1\">Servus Credit Union \u2014 $16.3 billion<\/li><li class=\"p1\">Tru Cooperative Bank \u2014 $11 billion<\/li><\/ul><\/div><\/div><div class=\"u-gridcol u-1\/2@s u-1\/1\"><div class=\"gridExample\"><ul class=\"list-10\"><li class=\"p1\">Steinbach Credit Union Limited \u2014 $6.9 billion<\/li><li class=\"p1\">Conexus Credit Union \u2014 $6.5 billion<\/li><li class=\"p1\">Alterna Savings and Credit Union Limited \u2014 $6.1 billion<\/li><li class=\"p1\">Affinity Credit Union \u2014 $6 billion<\/li><li class=\"p1\">Connect First Credit Union Ltd \u2014 $5.8 billion<\/li><\/ul><\/div><\/div><\/div><h3>Bottom line<\/h3><p>Credit unions offer all the features you\u2019d expect from an ordinary bank, but often with fewer fees and better features. <a href=\"https:\/\/www.finder.com\/ca\/chequing-accounts\" rel=\"noopener noreferrer\">Compare traditional chequing accounts<\/a> and credit union accounts to find the option that\u2019s the best fit for you.<\/p><h3>Frequently asked questions<\/h3><ul class=\"luna-accordionGroup accordionGroup\">\n\t<li class=\"luna-accordion\" data-accordion=\"accordion\">\n    <div class=\"luna-accordion__summary\">\n        <h4 class=\"luna-accordion__heading\">\n            <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"faq-builder-0000000000\" data-toggle=\"collapse\" data-target=\"#faq-builder-0000000000\">\n                <span class=\"luna-accordion__title\">Are credit unions as safe as banks?<\/span>\n                <svg class=\"luna-icon\" aria-hidden=\"true\">\n                    <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n                    <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n                <\/svg>\n            <\/button>\n        <\/h4>\n    <\/div>\n    <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"faq-builder-0000000000\" data-accordion=\"details\">\n        <div class=\"accordionContent\">\n            <div>\n                <p>Yes, a federally-insured credit union is just as safe as a federally-insured bank. In both cases, your money is backed by the federal government up to $100,000.<\/p>\n            <\/div>\n        <\/div>\n    <\/div>\n<\/li>\n<li class=\"luna-accordion\" data-accordion=\"accordion\">\n    <div class=\"luna-accordion__summary\">\n        <h4 class=\"luna-accordion__heading\">\n            <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"faq-builder-0000000001\" data-toggle=\"collapse\" data-target=\"#faq-builder-0000000001\">\n                <span class=\"luna-accordion__title\">How can I find out if I qualify for a credit union?<\/span>\n                <svg class=\"luna-icon\" aria-hidden=\"true\">\n                    <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n                    <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n                <\/svg>\n            <\/button>\n        <\/h4>\n    <\/div>\n    <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"faq-builder-0000000001\" data-accordion=\"details\">\n        <div class=\"accordionContent\">\n            <div>\n                <p>You can check the credit union's website for a list of eligibility criteria, call and talk to a representative or visit a branch to find out more about how to qualify for the credit union you're interested in.<\/p>\n            <\/div>\n        <\/div>\n    <\/div>\n<\/li>\n<li class=\"luna-accordion\" data-accordion=\"accordion\">\n    <div class=\"luna-accordion__summary\">\n        <h4 class=\"luna-accordion__heading\">\n            <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"faq-builder-0000000002\" data-toggle=\"collapse\" data-target=\"#faq-builder-0000000002\">\n                <span class=\"luna-accordion__title\">Do credit unions offer credit cards?<\/span>\n                <svg class=\"luna-icon\" aria-hidden=\"true\">\n                    <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n                    <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n                <\/svg>\n            <\/button>\n        <\/h4>\n    <\/div>\n    <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"faq-builder-0000000002\" data-accordion=\"details\">\n        <div class=\"accordionContent\">\n            <div>\n                <p>Yes, many credit unions offer <a href=\"https:\/\/www.finder.com\/ca\/credit-cards\" rel=\"noopener noreferrer\">credit cards<\/a>, just like traditional banks.<\/p>\n            <\/div>\n        <\/div>\n    <\/div>\n<\/li>\n\n<\/ul>\n<style>\n  \/* Modal Container *\/\n  .fenceModal {\n      justify-content: center;\n      outline: 0;\n      position: absolute;\n      z-index: 81;\n      width: 100%;\n      display: none;\n  }\n  \n  \/* Modal Content *\/\n  .fenceModal-content {\n      display: -webkit-box;\n      display: 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This site is optimized with the Yoast SEO Premium plugin v24.9 (Yoast SEO v24.9) - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Compare Credit Union &quot;Bank&quot; Accounts | Finder Canada<\/title>\n<meta name=\"description\" content=\"Learn what the difference is between a bank and a credit union and what to look for \u2014 and avoid \u2014 when choosing an account.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.finder.com\/ca\/banking\/bank-accounts-credit-unions\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Bank accounts offered by credit unions\" \/>\n<meta property=\"og:description\" content=\"Learn what the difference is between a bank and a credit union and what to look for \u2014 and avoid \u2014 when choosing an account.\" \/>\n<meta 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