Accounts
Don’t just save your money, grow it with savings accounts that give you:

Competitive interest rates right from dollar one

100% deposit guarantee

No minimum balance requirement
Access your money while it grows with day-to-day chequing accounts that give you:

Daily interest

Optional overdraft protection

Access to 1,800+ ding free^® ATMs across Canada
Help your kids get a running start on financial success with youth accounts that give them:

Excellent interest rates right from dollar one

Low or no monthly fees

No minimum balance requirement
An account designed for students to meet your day-to-day needs, however you choose to bank:

Affordable student banking

Access to a full suite of online and digital banking solutions

Full-time students over the age of 24 may also qualify
Access your money while it grows with day-to-day chequing accounts that give you:

Daily interest

No monthly fees

Access to 1,800+ ding free^® ATMs across Canada
Manage your accounts your way with easy and effortless banking options including:

Online banking options for every account size

Dedicated tellers at every branch
Investing
Low-risk investing with GICs in various term lengths, available in both Canadian and U.S. funds.

Earn a guaranteed rate of return

100% deposit guarantee

GICs are also available in an RRSP, RRIF, or TFSA
Save for a rainy day, a big purchase, or get ready for retirement with a Tax-Free Savings Account.

All returns are tax-free

Manage your TFSA online or using the SCU app

Access your funds when you need them
Save for your retirement and reduce your taxable income now with an RRSP.

Enjoy tax-deferred savings

Make tax-deductible contributions

Choose from a variety of investing options
Give a child in your life a head start on their
post-secondary education with an RESP.

All returns are tax-free

Choose from a variety of investing options

Increase savings with government grants
Convert your RRSP to a RRIF and enjoy a steady income while still earning interest on your money.

Control your income

Continue to grow your money tax-free

Choose from a variety of investing options
Use an RDSP to provide future financial security for an individual who receives the disability tax credit.

Earn tax-sheltered interest

Keep existing disability benefits

Increase savings with government grants
Reach your investment goals with online investing made easy by Qtrade Investor and VirtualWealth^®.

Advanced investment software

Fast, friendly, and knowledgeable customer support
Mortgages
Invest in your future with some of the best home mortgage options available and get:

Competitive variable and fixed interest rates

Up to 25 years to repay with as little as 5% down

Pre-payment and extra-payment privileges
Re-imagine your living space and increase the value of your home with a renovation mortgage and get:

Variable or fixed rate options

Leverage existing or “as-complete” home equity

Pre-payment and extra-payment privileges
Make your dream home a reality with self-build mortgages that give you:

Variable or fixed rate options

A 12-month interest-only period

Access to funds when and how you need them
Contract-build mortgages offer a variety of options suited to the building process including:

Turn-key mortgages

Assumption mortgages

Ready-to-move mortgages
Build a personal portfolio of rental properties with specially designed mortgages that give:

25 years to repay

Pre-approval based on projected rental income

Up to six rental units at our personal rate
Realize your dream of owning a cottage or vacation property with a mortgage that gives you:

Up to 80% financing

25 years to repay

Ability to purchase on government leased land
Our New-to-Canada mortgage is designed to help newcomers find a home in their new community. We make this easier with:

No income verification requirements

Flexible payment options

In-person approval
We've been lending specialists for more than 75 years. We'll make sure you always get the best mortgage.

Expertise to craft custom solutions for unique needs

Local, in-house decision making

As little as a 5% down payment and up to 25 years to repay
Borrowing
Get the funds you need to consolidate your debt, contribute to your RRSP, or make a large purchase.

Competitive interest rates

Flexible repayment plans

No pre-payment penalties
Get the right amount of money at the right time with a pre-approved credit limit.

Competitive interest rates

Get approved once, access funds as you need

Only pay interest on the funds you use
Credit Cards
Our most prestigious card offering elite-level privileges, unique benefits, and exceptional service wherever you go.

$120 annual fee

Earn 2 points for every $1 spent¹

Comprehensive travel protection³, price protection², and exceptional benefits
Covering everything from baggage loss to emergency healthcare, this one card lets you rest easy when you’re on the go.

$99 annual fee

1 point for every $1 spent

Earn DOUBLE points for purchases in foreign currency¹

Extensive insurance coverage on car rental, trip cancellation or trip interruption³
Shop in the U.S. and skip the exchange fees. No foreign transaction fees mean even more savings on everything you buy.

$50 annual fee (USD)

Earn 1 point for every $1 USD spent¹

No foreign transaction fees for purchases made in the U.S.²
Get a customized credit line and interest rate to benefit your lifestyle and spending habits.

$40 annual fee

Earn one point for every $1 spent¹

Low, variable interest rate
A no frills card that gives you a low annual fee, low interest rate, and essential purchase protection.

$30 annual fee

Low interest rate

Extended warranty, purchase protection², and 24/7 customer service
Earn reward points while enjoying a low interest rate on purchases and cash advances.

$50 annual fee

Earn 1 point for every $1 spent¹

Low interest rate, purchase protection², and 24/7 customer service
Make everyday buying a bit more rewarding! Earn cash rewards on everyday purchases.

$0 annual fee

Earn 1% cash back with every 1 point earned¹

Earn one point for every $1 spent and double points on gas purchases!
The smart choice for students looking to build credit and begin their financial future.

$0 annual fee

Enjoy an extended warranty on almost everything you buy²

Zero liability fraud protection² and 24/7 customer service
Insurance
Cover loan payments in case of the unexpected. Coverage options include: life, disability, critical illness, or loss of employment.

Protect your assets

Safeguard your savings

Maintain current credit score
Protect your biggest investment; your home! Coverage options include: life, disability, critical illness, or loss of employment.

Enrolling is easy and arranged at the time of your mortgage application

Flexible payment options
Safeguard your home from theft and other unforeseen events.

No premium increases for client‐paid claims

Claim counselling service for all your questions

Easily manage your policies online
Enjoy your trip worry-free with coverage for missed flights, trip cancellations, lost luggage, and hospital visits.

Up to $10 million coverage for emergency hospital visits or medical care

Multi-trip plan insurance for those who travel multiple times a year

24/7 access to multi-lingual emergency travel assistance

March 16 , 2020

An update on COVID-19

We're all in this together. Read our update on COVID-19 and how we can help. Learn more.

Debit cards at Verifone POS terminals

We wish to advise that there is currently an issue at some merchant locations, as a result of a software update, on their point of sale devices. Unfortunately, this is resulting in cards issued in 2019 (debit & credit) being declined. If you experience an issue with your debit card, you can:
* Split your transaction in two to allow for Contactless transactions.
* Enable Google Pay, Samsung Pay, or Apple Pay on your mobile phone.
* We also recommend that members have cash on hand as a back up until this issue is resolved.

Learn more about this issue on the Interac website.

Are you a CUETS Financial card holder?

Effective March 9, you will need to change your bill payee from CUETS Financial Mastercard to MBNA Canada Mastercard in order to continue paying through SCU Direct. Learn how by reading the instructions in SCU Direct on the bill payee page.

SCU Collabria Student Mastercard^®

SCU Collabria Student Mastercard<sup>®</sup>

The smart choice for students.

No annual fee, extended warranty², and 24/7 customer service are just some of benefits that come with the SCU Collabria Student Mastercard. It’s the smart choice for students looking to build credit and begin their financial future.

Card Highlights

Purchase Protection

Purchase Protection

Purchases made anywhere in the world are insured for 90 days from the date of purchase.²

Extended Warranty

Extended Warranty

Extend your manufacturer’s warranty (up to a maximum of one year) on purchases.²

Zero Liability Fraud Protection<sup>2</sup>

Zero Liability Fraud Protection²

Protection against unauthorized charges to your credit card account.

24/7 Customer Service

24/7 Customer Service

Contact Mastercard anytime to report a lost or stolen card, replace your credit card, or need a cash advance in an emergency.

Other Benefits

Mobile Device Insurance²
See all Mastercard Benefits

AutoPay Available

AutoPay Available

Set up automatic payments via MyCardInfo from your chequing or savings account
Collabria support 1.855.341.4643

Apple Pay Available

Apple Pay Available

Making purchases is easier than ever
Your credit card number is never saved or stored
See all Apple Pay benefits

^®The Collabria Mastercard is issued by Collabria Financial Services Inc. pursuant to a license from Mastercard International Incorporated. Mastercard is a registered trademark and the circles design is a trademark of Mastercard International Incorporated.
²Insurance coverage is underwritten by American Bankers Insurance Company of Florida (ABIC). ABIC, its subsidiaries and affiliates carry on business in Canada under the name of Assurant Solutions®. Assurant Solutions is a registered trademark of Assurant, Inc. Details of insurance coverage, including definitions, benefits, limitations and exclusions, are in the Certificate of Insurance. The Certificate of Insurance is available online. Insurance coverage is subject to change.