Discover financial tools that fit your life — from everyday banking to your next milestone.
Experience the power of membership, where your financial needs are our priority.
Become part of the credit union that puts community first.
More than a Great Mortgage Rate
Up to $4,500 cash back* on your mortgage, plus up to $1,200 in fee reimbursements.*
*Terms and conditions apply.
Personal Daily Banking
No-fee chequing and savings for all your day-to-day needs.
Borrowing
Competitive rates on loans, mortgages, credit cards and lines of credit.
Investing
From GICs and RRSPs to Mutual Funds** and online investing - let's grow your future.
**Mutual funds and other securities are offered through Aviso Wealth, a division of Aviso Financial Inc. Unless otherwise stated, mutual funds, other securities and cash balances are not covered by the Canada Deposit Insurance Corporation or by any other government deposit insurer that insures deposits in credit unions.
Featured Rates
3.00%
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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3.54%
5-Year Variable 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.
*Conditions apply. Contact us for details.
Secure, Full-Service Banking from Anywhere
Deposit cheques, pay bills, send money and manage your accounts 24/7 with our intuitive mobile app and online banking platform.
Empowering Your Financial Wellness
Take control of your financial future with resources designed to help you make informed decisions.
We're committed to your financial literacy and success through these valuable services:
Financial Check-Up
Get a complimentary Financial Check-Up to ensure you're on the right track.
Financial Education
Read our latest article and view our seminars for practical financial guidance.
Switching to Northern Birch was the best financial decision I've made. The advice is genuine, the service is personal, and I love that my credit union invests in local businesses right here in Toronto."
Join a Financial Institution Where You're an Owner
As a member-owner, you're at the heart of everything we do. Because we're member-owned, we reinvest profits back into our community and into you - through better rates, lower fees, and personalized services. It's a better way to bank.
