Personal Accounts
NDCU offers many great account options to suit the varied needs of our youth to heritage members.
Always FREE
- Deposit (includes Pre-Authorized Transfer; not night deposit)
- Member Direct® online banking
- Cheque image online
- eStatement
- Cash & coin order
- Depositors are 100% protected. Protection provided by the Credit Union Deposit Insurance Corporation of British Columbia.
Transactions Included*
- Interac E-Transfers on the Inspire, Aspire, Choice - Ridge, Peak and Heritage only.
- In-branch withdrawal & transfer
- Pre-authorized withdrawal
- Debit card purchase (Canadian POS)
- NDCU ATM withdrawal & transfer
- Canadian CU ATM withdrawal & transfer
- Cheque
- In-branch bill payment (Heritage only)
Requirements
What you need to open a NDCU membership
To open an account with Nelson & District Credit Union, you must purchase a $25 member share, or a $5 youth share for those under 19 years of age. This share is redeemable if you were to close your account.
Youth Account
Inspire: This FREE account, with unlimited transactions included*, will get your feet wet in the great big world of finance. This account is available for members 0-18 years of age and offers an attractive interest rate. This includes Interac E-Transfers.
Young Adult Account
Choice - Aspire: This account is designed for members 19 to 25 years of age and is only $2.50 per month with 50 transactions included*. This includes Interac E-Transfers. What does your future hold?
Choice Accounts
Choice - Basic: Our popular “pay-as-you-go” account. Pay for only the services that you use. Perfect if monthly transactions are at a minimum. It includes a line of credit option, on approval.
Choice - Ridge: Lots of options, including a line of credit option on approval, for those members who transact in-branch and electronically. Transactions included* are 25 for only $10 per month. This includes Interac E-Transfers.
Choice - Peak: For $20 per month our premium account offers unlimited transactions included*; plus a line of credit option, on approval. No monthly service fee if you maintain a minimum monthly balance greater than $5000 for the entire month. This includes Interac E-Transfers.
Choice - Heritage: Our members 60+ will enjoy additional banking benefits. It’s FREE with 25 transactions included* and a FREE order of 50 basic cheques per year; plus a flexible line of credit option, on approval. This includes Interac E-Transfers.
Savings Accounts
Enrich Savings: A tiered high-interest savings account that offers members a premium interest rate with flexibility and control over their savings. A perfect fit with your everyday bank account to save for a special purchase or until you have enough to meet the minimum required for a term deposit or registered deposit.
Property-Tax Savings: Worry-free preparation for annual property tax payments! With your pre-authorized transfer, we do the work.
Foreign Account
US Dollar Account: Planning a vacation south? This account is for you. No monthly service fee if you mainatin a minimum monthly balance greater than $500 for the entire month.
Details
Rates are subject to change without notice at any time.
† Insurance vouchers for Kootenay Insurance Services Ltd are not valid for credit towards ICBC products or life insurance and have no cash value and are non-transferable.
The Credit Union Deposit Insurance Corporation (CUDIC) of British Columbia brochure, “Your Guide to B.C. Credit Union Deposit Insurance”, is available on CUDIC’s website.