Generated by All in One SEO v4.9.10, this is an llms.txt file, used by LLMs to index the site. # Equity Credit Union NO FEE BANKING ## Sitemaps - [XML Sitemap](https://equitycu.com/sitemap.xml): Contains all public & indexable URLs for this website. ## Posts - [Blog](https://equitycu.com/blog/) - [Mortgage Statement Update](https://equitycu.com/mortgage-statement-update/) - Please note that Equity Credit Union is changing the mailing schedule for mortgage statements. Mortgage holders will no longer receive a semi-annual statement. Going forward, members will receive a single annual statement covering the period from January 1st to December 31st, which will be mailed out at the beginning of the following year. If you require a mortgage - [Our 1st Annual Food & Toy Drive Was a Huge Success!](https://equitycu.com/our-1st-annual-food-toy-drive-was-a-huge-success/) - Thanks to the generosity of our amazing community, Equity Credit Union’s 1st Annual Food & Toy Drive was a tremendous success! Every donation collected was given to Herizon House, a shelter providing critical services to abused women and children in Durham Region. Together, we helped put smiles on children’s faces and food on their tables this holiday season. From non-perishable - [Important Notice: Branch ATM Service Discontinuation](https://equitycu.com/important-notice-branch-atm-service-discontinuation/) - Dear ATM Users, We would like to inform you that effective December 1st, 2024, the ATM located at our branch will be permanently taken out of service and will not be replaced. We understand the importance of convenient access to your funds and would like to remind you that as a member of Equity Credit Union, - [Notice for Members that have a Collabria Credit Card](https://equitycu.com/notice-for-members-that-have-a-collabria-credit-card/) - Equity Credit Union Members, We want to inform you about a recent security alert from our credit card supplier, Collabria. They have identified a suspicious website, collabriacreditcards.life, which may be a phishing site targeting Collabria cardholders. Although this site is not yet active, it is designed to mimic the official Collabria website and could potentially - [ACTION REQUIRED: Implementation of Two-Factor Authentication (2FA)](https://equitycu.com/enhancing-security-2fa/) - In the rapidly evolving landscape of online banking, ensuring the security and privacy of our customers' financial information is of utmost importance. As part of our commitment to providing a secure banking environment at Equity Credit Union, we announce the upcoming implementation of Two-Factor Authentication (2FA). This additional layer of security is designed to protect - [Changes to the Exchange Network](https://equitycu.com/changes-to-the-exchange-network/) - Kindly note that starting March 18, 2024, HSBC will cease to be a member of The Exchange Network. This change is a result of HSBC's impending acquisition by the Royal Bank of Canada. As a consequence, our members won't be able to conduct transactions at HSBC ATMs after March 18, 2024. For alternative surcharge-free ATM - [Protect Yourself from the Most Common Scams in 2024!](https://equitycu.com/top-scams-2024/) - At Equity Credit Union, your financial security is our top priority, and we want to make sure you are aware of the most common scams affecting Canadians in 2024. Recent statistics and reports indicate an alarming increase in fraudulent activities, making it crucial for all of us to stay vigilant and informed. According to an - [In Memoriam: Craig Robert Nichols](https://equitycu.com/in-memoriam-craig-robert-nichols/) - It is with deep sorrow that we announce the passing of our esteemed Director, Craig Nichols, who left us on December 29th, 2023. Craig had been an integral part of our credit union family since 1973 when his father opened an account for him. Serving as a dedicated director since 2010, Craig's contributions have left - [Equity Website Notice & Online Protection Tips](https://equitycu.com/online-protection/) - As you know, the security of your online banking experience with Equity Credit Union is a high priority. Unfortunately, this month we were alerted that, our website, equitycu.com, fell victim to fraudulent activities as it was cloned by scammers. No personal information or accounts were compromised or accessed nor can be accessed or compromised. Equity - [Equity Team Accomplishments](https://equitycu.com/equity-team-accomplishments/) - Passion and Commitment keeps Equity's team focused and energized Where staff at other financial institutions come and go, Equity's key team members are here for the long-term to keep our members happy and prosperous. When it comes to long-term commitment, it starts at the top at Equity. Our trusted CEO, Tom Dimson, has celebrated 30 - [Introducing First-Home Savings Account](https://equitycu.com/introducing-first-home-savings-account/) - Get into the housing market faster with a tax-free First Home Savings Account (FHSA) from Equity! Equity's FHSA is a new registered account created to help you save up to $40,000, tax-free, toward a downpayment on your first home. Think of it as a mix between a RRSP and a TFSA: Like a RRSP…contributions to - [Another Milestone - 80 years in business and still growing](https://equitycu.com/another-milestone-80-years-in-business-and-still-growing/) - Equity Credit Union Inc. celebrated its 80th anniversary on April 12, 2023. Our Members, Staff, Management and Directors convened at the Ajax Convention Centre and enjoyed an excellent celebration in this elegant venue. We occupied two conference rooms and hosted 251 members and guests including representatives of FSRA, our legal counsel and auditors. A buffet - [CU Succeed Youth Bursary](https://equitycu.com/cu-succeed-youth-bursary/) - The CU Succeed Youth Bursary was established in 2016 by the Ontario Credit Union Foundation. Over the past seven years, they have awarded $536,000 to 407 students. The Foundation provides funding for the CU Succeed Youth Bursary program open to resident Ontario post-secondary students in need of financial assistance for academic, technological, or vocational training. The bursary will - [Deposit from anywhere with Equity's NEW Remote Deposit through Mobile App!](https://equitycu.com/you-can-now-deposit-from-anywhere-with-equitys-new-remote-deposit-through-mobile-app/) - Equity Credit Union is pleased to announce our new Remote Deposit service that lets you deposit cheques from home, work…any place that is convenient to you. Just a few clicks on your smartphone or tablet using our mobile app and your deposit is done. No need to find an ATM or visit the branch…just snap - [Link My Accounts Now Available!](https://equitycu.com/link-my-accounts-now-available/) - You Asked for It? Equity Credit Union made it possible! “LINK My Accounts” As a valued member, you can now transfer money to and from your account at Equity Credit Union to an account in your name at an external financial institution! Use our “LINK My Accounts” service at your convenience on our Online Banking - [Your Equity Credit Union wants you to be on the alert](https://equitycu.com/your-equity-credit-union-wants-you-to-be-on-the-alert/) - Scammers are now returning to the scene of the crime and attempting to steal even more from people who have already been scammed. One new trick to steal your money is for scammers to target those victims and promise to get your money back!Beware of these tactics to get your money and financial information: A - [Our Second Ever Virtual AGM Was Very Successful!](https://equitycu.com/our-second-ever-virtual-agm-was-very-successful/) - Equity Credit Union held its 78th Annual General Meeting on Thursday, April 15th, 2021 Our AGM was a very successful event, we thank those that attended our second ever virtual AGM! We reviewed our 2020 financial results, which were very positive. Despite all the challenges that were brought in 2020, the credit union persevered and came - [The holiday lights are already twinkling! Time to set your gift buying budget!](https://equitycu.com/the-holiday-lights-are-already-twinkling-time-to-set-your-gift-buying-budget/) - The twinkle of holiday lights are starting to appear in stores already and for many people that means their debit or credit cards are also a tingle as it flexes its muscle for festive gift buying. As you anticipate your holiday gift purchases, it's a great time to make a budget for what money you - [Free to Equity members! Alert Messaging Service](https://equitycu.com/free-to-equity-members-alert-messaging-service/) - By utilizing the Alert Messaging System, connected to your Equity online banking account, you receive real-time personalized alerts for issues that are time-sensitive. Why activate the Alert Messaging System?Gives you more control of your financial life - Has a payment cleared? Are there enough funds in my account to cover this purchase? This important information - [Equity Credit Union will recognize and respect National Day of Truth and Reconciliation](https://equitycu.com/equity-credit-union-will-recognize-and-respect-national-day-of-truth-and-reconciliation-2/) - Respecting the Government of Canada’s recent legislation to make September 30th a new federal statutory holiday, called the National Day of Truth and Reconciliation, Equity Credit Union will close our branch on that day. As a credit union that respects the rights and histories of all people, Equity supports a day where we acknowledge the ## Pages - [Home](https://equitycu.com/) - Welcome to Equity Credit Union - [Contact](https://equitycu.com/contact/) - Contact Equity Credit Union - [Service Fees](https://equitycu.com/service-fees/) - Equity CU Service Fees Effective Date: March 25, 2024 Commercial Account Fee (starting from) $25 per month Search of records – Under 30 days – Over 30 days FREE $30.00/hr Stop payments $10.00 Item Traces $15.00 Dishonoured item (Chargeback) $20.00 RRSP Transfer out (per Contract) $100.00 RRIF Transfer out (per Contract) $100.00 TFSA Transfer out - [Rates](https://equitycu.com/rates/) - Current Rates at Equity Credit Union - [Board of Directors](https://equitycu.com/board-of-directors/) - Board of Directors at Equity Credit Union - [Vote for your Equity Credit Union Board of Directors - 2025](https://equitycu.com/vote/) - 2026 board member candidates Melissa PuaI am Melissa Pua and have been a member of Equity Credit Union for over 15 years. In my current role as Associate Customer Transportation Manager at Unilever, I oversee transportation across Canada and the United States. I focus on process improvement, strengthening customer relationships, and managing supply chain operations. - [AGM Reading Materials](https://equitycu.com/agm-reading-materials/) - The 2020 annual report - Click Here The Minutes from the annual meeting of June 23, 2020 - Click Here The Minutes from the Special Meeting that was held on October 14th - Click Here - [SuperSaver High Interest Savings Account](https://equitycu.com/supersaver-high-interest-savings-account/) - SuperSaver High Interest Savings Account If you have $1,000 or more to invest, this higher yielding savings account could be a useful middle ground for your money, offering deposit insurance protection at a rate that's higher than regular savings accounts. Interest is calculated daily and paid monthly.Important features of the SuperSaver High Interest Savings Account - [No Fee Banking](https://equitycu.com/no-fee-banking/) - No Fee Banking at Equity Credit Union - [Deposit Insurance](https://equitycu.com/deposit-insurance/) - Deposit Insurance with the Financial Services Regulatory Authority (FSRA) Eligible deposits in registered accounts with Ontario Credit Unions have unlimited deposit insurance coverage through the Financial Services Regulatory Authority (FSRA). Eligible deposits (not in registered accounts) with Ontario Credit Unions are insured up to $250,000 through the Financial Services Regulatory Authority (FSRA).Deposit Insurance Reserve Fund - [Accounts](https://equitycu.com/accounts/) - Accounts at Equity Credit Union - [First-Home Savings Account](https://equitycu.com/first-home-savings-account/) - First-Home Savings Account (FHSA) Get into the housing market faster with a tax-free First Home Savings Account (FHSA) from Equity! Equity's FHSA is a new registered account created to help you save up to $40,000, tax-free, toward a downpayment on your first home. Think of it as a mix between a RRSP and a TFSA: - [Protect Your Accounts with Enhanced Security!](https://equitycu.com/2fa/) - Two-Factor Authentication (2FA) Launch Equity Credit Union is excited to announce the upcoming launch of Two-Factor Authentication (2FA) to our online banking system, ensuring an extra layer of protection for your sensitive information. To activate 2FA, simply provide us with your email or cell phone number by April 5th. This quick step enhances the security - [Make a Difference Now! Call for Board Member Applications](https://equitycu.com/make-a-difference-now-call-for-board-member-applications/) - Call for Board Member Applications Directors Requirements A Director must: Be a natural person Be eighteen years of age or over Be a Canadian citizen or a person lawfully admitted to Canada for permanent residency who is ordinarily resident in Canada Be an individual member in good standing with Equity Credit Union Inc Not be - [Virtual Annual General Meeting RSVP](https://equitycu.com/virtual-annual-general-meeting-rsvp/) - [GICs & Term Deposit](https://equitycu.com/gics-term-deposit/) - GICs and Term Deposits at Equity Credit Union - [RRSP - RRIF](https://equitycu.com/rrsp-rrif/) - RRSP and RRIF information at Equity Credit Union - [TFSA](https://equitycu.com/tfsa/) - Tax Free Savings Accounts at Equity Credit Union - [Mortgages](https://equitycu.com/mortgages/) - Mortgages at Equity Credit Union - [Personal Loans](https://equitycu.com/personal-loans-2/) - Personal Loans at Equity Credit Union - [FAQs](https://equitycu.com/faqs/) - Frequently Asked Questions at Equity Credit Union - [Join Equity](https://equitycu.com/join-equity/) - Join Equity Credit Union - [Security](https://equitycu.com/security/) - User Agreement for Equity Credit Union’s Internet Banking Site GENERAL PROVISIONS Trademarks and Copyrights Protected Certain names, words, titles, phrases, logos, icons, graphics or designs in the pages of this Website may constitute trade names, trade marks or service marks belonging or licensed to Equity Credit Union Inc. (“ECU”). Any unauthorized down loading, re-transmission, or - [Accessibility](https://equitycu.com/accessibility/) - Accessibility at Equity Credit Union - [Vision, Mission, Code of Conduct](https://equitycu.com/vision-mission/) - Vision, Mission, Code of Conduct at Equity Credit Union - [About Us](https://equitycu.com/about-us/) - About Equity Credit Union - [Compliments and Concerns](https://equitycu.com/compliments-and-concerns/) - Compliments and Concerns at Equity Credit Union - [Fraud Protection](https://equitycu.com/fraud-protection/) - Fraud Protection at Equity Credit Union - [ATM Locator](https://equitycu.com/atm-locator/) - ATM locations at Equity Credit Union - [Ways To Bank](https://equitycu.com/ways-to-bank/) - [Helpful Services](https://equitycu.com/helpful-services/) - Helpful Services at Equity Credit Union - [Privacy Policy](https://equitycu.com/privacy-policy/) - Protecting Your Privacy Our Commitment to You As a member-owned financial institution, ECU has a longstanding tradition of providing quality member service and treating members with respect and dignity. One way we show our commitment to our members is by protecting the privacy, confidentiality and security of your personal information. Another is by keeping you - [Browser Requirements](https://equitycu.com/browser-requirements/) - Browser Requirements at Equity Credit Union - [Credit Application](https://equitycu.com/credit-application/) - Credit Applications at Equity Credit Union - [Market Code of Conduct](https://equitycu.com/market-code-of-conduct/) - Market Code of Conduct at Equity Credit Union - [Staff](https://equitycu.com/staff/) - [Services](https://equitycu.com/services/) - [RSVP Today!](https://equitycu.com/special-meeting-of-members/) ## Categories - [Uncategorized](https://equitycu.com/uncategorized/) ## Portfolio Tags - [Planning](https://equitycu.com/portfolio-item-tag/planning/) - [Mountain](https://equitycu.com/portfolio-item-tag/mountain/) - [Outdoors](https://equitycu.com/portfolio-item-tag/outdoors/) - [Sky](https://equitycu.com/portfolio-item-tag/sky/) - [Historic](https://equitycu.com/portfolio-item-tag/historic/) - [Landmark](https://equitycu.com/portfolio-item-tag/landmark/) - [Ocean](https://equitycu.com/portfolio-item-tag/ocean/) - [Shore](https://equitycu.com/portfolio-item-tag/shore/) - [Prairie](https://equitycu.com/portfolio-item-tag/prairie/) - [Forest](https://equitycu.com/portfolio-item-tag/forest/) - [Ideas](https://equitycu.com/portfolio-item-tag/ideas/) - [Nighttime](https://equitycu.com/portfolio-item-tag/nighttime/) - [Beach](https://equitycu.com/portfolio-item-tag/beach/) - [Evening](https://equitycu.com/portfolio-item-tag/evening/) - [Daytime](https://equitycu.com/portfolio-item-tag/daytime/) - [Nightlife](https://equitycu.com/portfolio-item-tag/nightlife/) - [Sunset](https://equitycu.com/portfolio-item-tag/sunset/) - [Western](https://equitycu.com/portfolio-item-tag/western/) - [Upscale](https://equitycu.com/portfolio-item-tag/upscale/) - [Independent](https://equitycu.com/portfolio-item-tag/independent/) - [Local Food](https://equitycu.com/portfolio-item-tag/local-food/) - [Building](https://equitycu.com/portfolio-item-tag/building/) - [Creative](https://equitycu.com/portfolio-item-tag/creative/) - [Scenery](https://equitycu.com/portfolio-item-tag/scenery/) ## Portfolio Categories - [Texas](https://equitycu.com/portfolio-item-category/texas/) - [Nevada](https://equitycu.com/portfolio-item-category/nevada/) - [Travel](https://equitycu.com/portfolio-item-category/travel/) - [Italy](https://equitycu.com/portfolio-item-category/italy/) - [California](https://equitycu.com/portfolio-item-category/california/) - [World](https://equitycu.com/portfolio-item-category/world/) - [Florida](https://equitycu.com/portfolio-item-category/florida/) - [Washington](https://equitycu.com/portfolio-item-category/washington/) - [Inspiration](https://equitycu.com/portfolio-item-category/inspiration/) - [Creative](https://equitycu.com/portfolio-item-category/creative/)