Question: I am not a firefighter; can I join the Credit Union?

Answer: Yes, you can! So can members of your family. 3% of our total membership base can be from the general public. It is easy; call one of our Member Service Officers today.

Question: Why do I have to pay for the $100.00 membership share when I join the Credit Union?

Answer: As a member in the Credit Union, you are part owner. When you pay the one time membership share purchase price of $100.00, you are allowed to vote at our Credit Union annual meeting, and let your voice be heard. Should you ever decide not to be a member, the $100.00 share may be refunded.

Question: What is the difference between a bank and a Credit Union?

Answer: A Credit Union does offer the same services that the banks offer, but service charges are minimal, and our members have ownership in the Credit Union. Profits are returned back to the members in the form of lower fees, preferential interest rates and support of firefighters’ events. Many of our services are FREE.

Question: I understand the Credit Union does not have ATMs. How do I access my accounts?

Answer: The Credit Union offers online banking, where you can view your accounts and complete transactions 24 hours a day, and you can visit your branch, but convenient account access is available through your Member Card.

The Credit Union is part of The Exchange ATM Network. ATM transactions are FREE OF CHARGE at any ATMs displaying The EXCHANGE logo in Canada and the USA. To find the location of a FREE EXCHANGE ATM, click here. You can access your accounts for other transactions (no deposits) at ATMs not displaying The EXCHANGE logo for a minimal charge. Our daily limit on ATM withdrawals is $500, but some machines have their own limits, which may be lower. In addition, our daily limit on Point of Sale (POS) debit card purchases in Canada or the USA is $1,000.

Question: Can I pay my bills when I come into the Credit Union?

Answer: Yes, bill payments in the branch are FREE OF CHARGE. You can also use Online and Telephone banking to pay your bills free of charge from the convenience of your own home, at work, at the cottage or while travelling. If you do not have access to either service call us and we will make the payment for you.

Question: I’m considering the purchase of a new vehicle, but I don’t know whether the monthly loan payments will be higher than I can afford.

Answer: Our website offers a convenient Life Events Planner section to help you calculate various payment options. Don’t forget that you can amortize your vehicle purchase over terms of up to 7 years. If you prefer, call the Credit Union. We can assist you with payment options as well as advise you of the Red Book value of the vehicle you are considering.

Question: I have a hectic schedule and I’m worried that I may forget to make my loan payment on time.

Answer: Payroll deduction gives you convenience and peace of mind for many transactions. Just call the Credit Union. We’ll be glad to set up payroll deductions for you to make loan or mortgage payments, contribute to your RRSP, tax savings, regular savings or trust accounts. Even your canteen contribution can be set up as a payroll deduction.

Question: Help - I don't understand all the terminology associated with buying my home.

Answer: Click here for information and terminology relating to buying a home.(in PDF)

Question: My great aunt passed away. What do I need to settle her estate?

Answer: Click here for a checklist for executors.(in PDF)