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*
- In-branch withdrawal & transfer
- Pre-authorized withdrawal
- Debit card purchase (Canadian POS)
- Global Payment MasterCard transaction
- 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.


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*. It includes a line of credit option, on approval, and a signing bonus offer of a $50 voucher from Kootenay Insurance Services Ltd. 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.

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 mainatin a minimum monthly balance greater than $5000 for the entire month.

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.


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.