UCU is the largest Ukrainian credit union in Canada and stands out for its strong commitment to serving the Ukrainian Canadian community.

With personalized service, competitive financial products, and active involvement in promoting Ukrainian culture and community life, UCU has become a top choice in Ontario.

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UCU provides a comprehensive range of services including savings and chequing accounts, loans, and investment advice. We’re dedicated to supporting the financial well-being of our members while fostering the growth of Ukrainian cultural and community life.

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UCU provides solid support to newcomers from Ukraine to help them establish a financial base in Canada. We offer a special Welcome Ukraine banking package with no-fee savings and chequing accounts, as well as no-fee credit cards and more. * Demonstrating our strong commitment to helping Ukrainian newcomers, we’ve introduced the Enhanced Debit Card – a first among Ukrainian-centered credit unions – in response to your banking preferences. We provide Ukrainian language services and financial literacy seminars in Ukrainian to help newcomers navigate the banking and tax systems in Canada.

*Terms and conditions apply

UCU is dedicated to meeting the diverse needs of various generations by tailoring our services to address the unique preferences of each age group. For Gen Z, we focus on advanced digital offerings, featuring a secure mobile banking platform, a simple online ‘open an account’ feature and convenient e-transfer and bill payment options. For 2nd and 3rd-generation Ukrainian-Canadians, we provide a comprehensive suite of financial products and services emphasizing our connection to the Ukrainian community. Our services are offered in Ukrainian and our branches are designed to be more than just service points; they are welcoming places where members are known and personal relationships are highly valued.

Read more about Youth Unlimited UCU special offering.

Investors and business owners find a solid ally in UCU. Our financial advisors are dedicated to crafting personalized investment strategies that help you build, manage and grow your money.

Our business advisors can help you grow your business by offering a comprehensive suite of services, including tailored business plans, flexible borrowing options and cash management solutions. We offer the advantages of larger banks, such as competitive saving and borrowing rates, all while ensuring personalized service and a dedication to fostering strong relationships and recognizing the value they bring to your business.

Visit our UCU Wealth Strategies Group page.

UCU offers a diverse array of mortgage options tailored to meet the individual needs of our members, whether a first-time homebuyer, looking to refinance, or an experienced property investor. Our mortgages come with competitive rates and flexible terms to suit your financial situation. We understand the importance of a home purchase in Canada and strive to provide options like fixed and variable rates along with varying amortization periods. Our knowledgeable advisors are on hand to guide you through the process, ensuring you make the best decision for your financial future.

UCU is committed to helping you plan a secure and comfortable retirement. We offer a range of retirement savings options, including a Registered Retirement Savings Plan (RRSP), which offers tax-advantaged saving features in Canada. Our financial advisors can help you create a personalized retirement plan, taking into account your goals, risk tolerance and investment timeline. We also provide resources to help you understand the nuances of retirement planning in Canada, such as the benefits of early investment, compound interest and strategies to maximize your retirement income.

UCU understands the importance of convenient and secure day-to-day financial management. Our chequing accounts are designed to offer easy access to your funds with the flexibility of various payment schedules. Our debit cards provide immediate access to your account funds across Canada and internationally. Collabria Credit Cards come with a range of benefits and rewards that suit your lifestyle and spending habits. With UCU’s digital banking platform, managing these accounts is straightforward, allowing you to check balances, pay bills, and transfer funds securely online, reflecting our commitment to combining convenience with financial security.

A Registered Retirement Savings Plan (RRSP) is a tax-advantaged investment account designed to help you save for retirement. By contributing to an RRSP, you can invest in your future while reducing your taxable income. Contributions are tax-deductible, offering potential tax savings, and the investments within the plan grow tax-free until withdrawal, providing an effective means to build your retirement savings.¹

RESP (Registered Education Savings Plan) * is a tax-advantaged savings account in Canada designed to help parents and others save for a child’s post-secondary education. It offers government incentives such as the Canada Education Savings Grant (CESG), where the government matches a portion of the contributions made to the RESP, enhancing the overall savings potential. The Canada Learning Bond (CLB) may be available for eligible families, providing additional financial assistance to boost educational savings. The income earned on dividends and capital gains are not taxed until the funds are withdrawn.

*Conditions apply.

A Tax-Free Savings Account (TFSA) is a registered account available to Canadian residents that allows individuals to save and invest money without paying taxes on the income earned from eligible contributions within the account. TFSA contributions are made with after-tax dollars, meaning there is no tax deduction for contributions. Generally, income earned within the account, including interest, dividends, and capital gains, is tax-free.² Withdrawals from a TFSA are also tax-free, making it a flexible savings and investment vehicle for various financial goals such as retirement savings, purchasing a home, or building an emergency fund. TFSA contribution room accumulates annually, and unused contribution room can be carried forward to future years. To be eligible you must be: 18 years of age or older, a resident of Canada and have a valid Social Insurance Number (SIN).