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It pays to be a member.

We have all the same products and services, so at first glance, First Credit Union might look like a traditional financial institution, but a closer look reveals fundamental differences with unique benefits for you and your community.


Benefits of Becoming a Member

Being a First Credit Union member entitles you to a range of benefits including voting rights, unlimited 100% guarantee on your deposits, access to the largest national network of surcharge-free ATMs, and an opportunity to join our Board of Directors. Because we're a credit union and not a conventional bank, you'll need to become a member before opening an account. 

You are an owner

Every member of First Credit Union is an owner with equal voting power. Whether you have ten dollars or ten million dollars, you have one vote and a say on how we do things.  Whereas banks are accountable to their shareholders, it's our owners that we need to answer to - and that's you!

Access the largest network of ATMs

Credit Unions work together, which means you have access to over 5,000 surcharge-free ATMs across the country.

Your deposits are 100% guaranteed

More than one million British Columbians enjoy the security and peace of mind that comes from saving at their credit union. The Credit Union Deposit Insurance Corporation of British Columbia (CUDIC), protects credit union depositors in full. Learn more about how your deposits are protected.

Make a difference in your community

We have a set of cooperative principles and fundamental beliefs that guide our actions. Honesty, openness, social responsibility, and caring for others are the ethical values that keep us focused on positively impacting our members, employees and communities. Learn more about how where you bank makes a difference.

Members are also eligible to apply for First Credit Union scholarships, small business bursaries, and sponsorships to attend YES Leadership Camp - a week-long summer camp that teaches leadership and team-building skills.


Benefits for your community

At First Credit Union, 10% of our net profit is shared with the community every year. As a member, you are positively impacting the community you live in.


Say goodbye to ATM surcharges. With an ATM network bigger than most banks, credit union members have access to thousands of surcharge-free ATMs from sea to sea.


Ready to join or make the switch? We can help!