Please be advised that the Prime rate has decreased to 4.95% on March 13, 2025. Please contact your branch if you have any questions or concerns.
Mortgages Tailored for You
Get up to $3,500 Cash Back* with a Northern Birch Mortgage.
*Conditions apply.
Notice of Service Fee Updates: Some of our service fees are changing, effective April 1st, 2025. Click here to see a full list of the changes.
Fraud Alert:
Beware of fake websites mimicking Interac e-Transfer® and online banking login pages. Protect your accounts and credentials by verifying the legitimacy of emails, enabling alerts and setting up Autodeposit. Click here to learn more about fraud prevention.
Buy a house
Become a member
Get a credit card
Get up to $3,500 Cash Back*
Save more with our competitive rates and flexible mortgage options - tailored just for you.
*Conditions apply.
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Financial Education
Sign up for our March 26th webinar on Fraud Prevention and view recordings of seminars you may have missed!
Everyday rewards or travel perks?
The choice is yours with up to $220 in value and no annual fee in year one with a Northern Birch Cash Back World Elite Mastercard!
*Conditions apply.
*Conditions apply.
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First Home Savings Account
Get closer to home ownership with tax-free savings when you open an FHSA plan at Northern Birch.
Register for online banking
Online banking offers you easy, 24/7 access to your accounts from anywhere. Sign up today and manage your transactions at your convenience!
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Interac e-Transfer® Notification Refresh
To provide an improved user experience, Interac e-Transfer® email notifications now have an enhanced look and feel.
Featured Rates
3.10%
1-Year Term Deposit
Available for registered and non-registered deposits
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4.39%
3-Year Closed Mortgage
Includes 130-day rate guarantee, plus we'll cover your appraisal costs*
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3.99%
5-Year Closed High Ratio Mortgage
Includes 130-day rate guarantee, plus we'll cover your appraisal costs*
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Rates are subject to change at any time without notice. For the latest rates, please contact our branches directly.
I feel valued as a member of the credit union, and unlike other financial institutions, Northern Birch Credit Union has a genuinely personal feel. As I am a student, NBCU has helped me transition to being responsible for my finances since I trust them to ask questions and give me honest advice.
Heili P. from Toronto
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Grow your career with Northern Birch
Join a team that values collaboration over competition. See our current job openings.
Need Investment Guidance?
Our team can help.
Own where you bank
At Northern Birch you’re not just a customer, you’re a member-owner with a say in how we operate. That means we put your needs first in everything we do.
