Caisse Populaire Alliance
This Page's Content Was Last Updated: July 21, 2026
Important Information
WOWA.ca provides independent reviews using publicly available data and is not affiliated with Caisse Populaire Alliance.
Shopping for financial products in Ontario? This 2026 Caisse Populaire Alliance overview evaluates its latest rates and account features against major Canadian banks and regional credit unions. Select a topic below to inspect specific rates and data:
- Compare Caisse Populaire Alliance Mortgage Rates — 1- to 5-year fixed and variable terms.
- Inspect GIC & Savings Rates — Non-registered, TFSA, and RRSP yields backed by FSRA (DIRF).
- Financial Overview & Asset Rank — Key performance data for Caisse Populaire Alliance (ranked #22 in Canada with $2.7 billion in assets).
- Branch Network & Accounts — Account options and local branch access.
Credit Union
Caisse Populaire Alliance
Caisse Populaire Alliance is a credit union located in Ontario. It was founded in 1979. It primarily serves Northern Ontario.
Caisse populaire Alliance, operating as Caisse Alliance, is a Francophone cooperative financial institution serving communities across Northern Ontario. Its roots trace back to 1951, when La caisse régionale de Nipissing-Sudbury was founded. After a period of affiliation with the broader Ontario caisse populaire federation, caisses in the Northern and Nipissing regions formed their own association, later named L’Alliance des caisses populaires de l’Ontario limitée.
Caisse Alliance offers personal and business banking, lending, investment, and advisory services, with a focus on French language financial services in Northern Ontario. Its cooperative structure is connected to Francophone community ownership and regional service.
Today, Caisse Alliance supports members, businesses, and local development while reflecting the cultural and economic priorities of Franco-Ontarian communities.
Provinces served
Number of Members (as of 2025): ~56,000
Caisse Populaire Alliance Mortgage Rates
The mortgage rates on this page were last updated on September 21, 2026 at 6:15 PM ET.
| Lender | Term | Insured down payment < 20% | Insurable home < $1M & amortization ≤ 25yr | Uninsured home ≥ $1M or refinances | Posted non-discounted rate |
|---|---|---|---|---|---|
| Caisse Populaire Alliance | 1-Year Fixed | 5.49% | 5.49% | 5.49% | 5.74% |
| Caisse Populaire Alliance | 2-Year Fixed | 5.19% | 5.19% | 5.19% | 5.49% |
| Caisse Populaire Alliance | 3-Year Fixed | 4.49% | 4.74% | 4.74% | 6.19% |
| Caisse Populaire Alliance | 4-Year Fixed | 4.89% | 4.89% | 4.89% | 6.29% |
| Caisse Populaire Alliance | 5-Year Fixed | 4.59% | 4.94% | 4.94% | 6.49% |
| Caisse Populaire Alliance | 7-Year Fixed | 5.29% | 5.29% | 5.29% | 6.40% |
* Rates are for informational purposes only and reflect the lowest rates available. Rates may change at any time and may be applicable only to certain borrowers. Terms and conditions apply. | |||||
Understanding Caisse Populaire Alliance Mortgage Features
- Prepayment Privileges: Most credit unions in Ontario allow members to make annual lump-sum prepayments (10%–20%) and payment increases without penalty.
- Early Termination Penalties: Breaking a fixed-rate mortgage early incurs an Interest Rate Differential (IRD) or 3 months' interest penalty. Variable mortgages typically carry a 3-month interest fee.
- Local Approval: Mortgages are underwritten locally, providing flexible solutions for self-employed buyers and unique property types.
Estimate your payments using WOWA's Mortgage Payment Calculator.
Caisse Populaire Alliance GIC Rates
The GIC rates on this page were last updated on September 21, 2026 at 5:44 PM ET.
| Term | Non-Registered Rate |
|---|---|
| 1-Year | 2.60% |
| 1.5-Year | 2.95% |
| 2-Year | 2.70% |
| 3-Year | 2.75% |
| 4-Year | 2.85% |
| 5-Year | 2.90% |
* Rates are for informational purposes only and reflect the highest rates available. Rates may change at any time and may be applicable only to certain depositors. Terms and conditions apply. | |
Caisse Populaire Alliance Ranking Among Credit Unions Monitored by WOWA
22nd
by Assets
of 134 credit unions
22nd
by Loans
of 133 credit unions
24th
by Deposits
of 133 credit unions
Caisse Populaire Alliance ranks 22nd among Canadian credit unions by assets monitored by WOWA, 22nd by loans, and 24th by deposits, as of December 31, 2025. You can view the complete list of Canadian credit unions here.
Caisse Populaire Alliance Branch Locations
Chequing and Savings Accounts
The account-related data on this page was last updated on July 20, 2026.
Chequing Accounts
Chequing Account
1. Account: Basic Plan
- Standard Fee
- $3.95/mo
- Free Transactions
- 12
- Max e-Transfer / Day
- $20,000
- Insurance Limit (Non-Registered)
- $250,000 per depositor
- Insurance Limit (Registered)
- Unlimited
Account details
- The monthly account fee is waived if you maintain a minimum balance of $1,500 in your account.
- The account fee might be waived for seniors.
- This account allows 12 free transactions.
- Maximum Interac e-Transfer per day: $20,000
- Maximum Interac e-Transfer per week: $20,000
- This limit may vary depending on the client profile.
- Caisse Alliance Basic Plan is a $3.95-per-month plan with 12 included transactions across automated services, cheques, and teller services. The monthly fee is waived by maintaining at least $1,500 throughout the month. Members age 60 and older receive a $5 monthly rebate.
Deposit Insurance
Deposits are insured by the Financial Services Regulatory Authority of Ontario (FSRA), via the Deposit Insurance Reserve Fund (DIRF).
Chequing Account
2. Account: Intermediate Plan
- Standard Fee
- $8.95/mo
- Free Transactions
- 30
- Max e-Transfer / Day
- $20,000
- Insurance Limit (Non-Registered)
- $250,000 per depositor
- Insurance Limit (Registered)
- Unlimited
Account details
- The monthly account fee is waived if you maintain a minimum balance of $2,500 in your account.
- This account allows 30 free transactions.
- Maximum Interac e-Transfer per day: $20,000
- Maximum Interac e-Transfer per week: $20,000
- This limit may vary depending on the client profile.
- Caisse Alliance Intermediate Plan is an $8.95-per-month plan with 30 included transactions across automated services, cheques, and teller services. The monthly fee is waived by maintaining at least $2,500 throughout the month. Members age 60 and older receive a $5 monthly rebate.
Deposit Insurance
Deposits are insured by the Financial Services Regulatory Authority of Ontario (FSRA), via the Deposit Insurance Reserve Fund (DIRF).
Chequing Account
3. Account: Unlimited Plan
- Standard Fee
- $13.95/mo
- Free Transactions
- Unlimited
- Max e-Transfer / Day
- $20,000
- Insurance Limit (Non-Registered)
- $250,000 per depositor
- Insurance Limit (Registered)
- Unlimited
Account details
- The monthly account fee is waived if you maintain a minimum balance of $4,000 in your account.
- This account allows Unlimited free transactions.
- Maximum Interac e-Transfer per day: $20,000
- Maximum Interac e-Transfer per week: $20,000
- This limit may vary depending on the client profile.
- Caisse Alliance Unlimited Plan is a $13.95-per-month plan with unlimited transactions across automated services, cheques, and teller services. The monthly fee is waived when a minimum balance of $4,000 is maintained throughout the month.
Deposit Insurance
Deposits are insured by the Financial Services Regulatory Authority of Ontario (FSRA), via the Deposit Insurance Reserve Fund (DIRF).
Chequing Account
4. Account: Youth Plan
- Standard Fee
- Free*
- Free Transactions
- Unlimited
- Max e-Transfer / Day
- $20,000
- Insurance Limit (Non-Registered)
- $250,000 per depositor
- Insurance Limit (Registered)
- Unlimited
Account details
- This account allows Unlimited free transactions.
- Maximum Interac e-Transfer per day: $20,000
- Maximum Interac e-Transfer per week: $20,000
- This limit may vary depending on the client profile.
- *This account is available for youth and students only.
- Caisse Alliance Youth Profit Account is a no-transaction-fee account for young adults and eligible full-time post-secondary students under age 26. It includes regular deposits, withdrawals, cheques, transfers, bill payments, and debit purchases, with access through branches, ATMs, and Allia online banking.
Deposit Insurance
Deposits are insured by the Financial Services Regulatory Authority of Ontario (FSRA), via the Deposit Insurance Reserve Fund (DIRF).
Savings Accounts
Savings Account
Account: Daily Interest Savings Account
- Interest Rate
- 0.05%
- Standard Fee
- Free
- Free Transactions
- 0
- Max e-Transfer / Day
- $20,000
- Insurance Limit (Non-Registered)
- $250,000 per depositor
- Insurance Limit (Registered)
- Unlimited
Account details
- This account allows 0 free transactions.
- Maximum Interac e-Transfer per day: $20,000
- Maximum Interac e-Transfer per week: $20,000
- This limit may vary depending on the client profile.
- Caisse Alliance Daily Interest Savings Account is a savings account without chequing privileges for one-time or recurring deposits. Interest is based on the balance maintained and paid monthly, while standard transaction fees apply. It is available as a non-registered account or within RRSP, LIRA, locked-in RRSP, RRIF, and LIF plans.
Deposit Insurance
Deposits are insured by the Financial Services Regulatory Authority of Ontario (FSRA), via the Deposit Insurance Reserve Fund (DIRF).
Savings Account
Account: High-Yield Savings Account
- Interest Rate
- 0.05%*
- Standard Fee
- Free
- Free Transactions
- 0
- Max e-Transfer / Day
- $20,000
- Insurance Limit (Non-Registered)
- $250,000 per depositor
- Insurance Limit (Registered)
- Unlimited
Account details
- This account allows 0 free transactions.
- Maximum Interac e-Transfer per day: $20,000
- Maximum Interac e-Transfer per week: $20,000
- This limit may vary depending on the client profile.
*Interest Rate Breakdown by Balance
Balance amount Interest rate $0 to $999.99 0.05% $1,000 to $4,999.99 0.40% $5,000 or over 0.75% - Caisse Alliance High-Yield Savings Account is an online-only savings account available through Caisse Alliance’s Allia digital banking platform. It has no minimum balance requirement and pays interest monthly. Transfers to other Caisse accounts and external financial institutions are permitted, and the account is available as a non-registered account or within an RRSP.
Deposit Insurance
Deposits are insured by the Financial Services Regulatory Authority of Ontario (FSRA), via the Deposit Insurance Reserve Fund (DIRF).
Key Financial Metrics and Trends
| Metric | 2025 | YoY Change | 5-Year Change |
|---|---|---|---|
| Assets | $2,743M | +6.4% | +30.2% |
| Loans | $2,426M | +7.3% | +35.0% |
| Deposits | $2,196M | +4.4% | +18.1% |
| Loan-to-Deposit Ratio | 110.5% | — | — |
| Mortgages + HELOCs | $1,488M | +6.1% | +65.7% |
| Securities | $201M | +2.6% | -26.4% |
| Revenue | $72M | +7.5% | +28.6% |
| Efficiency Ratio | 78.6% | — | — |
| Target Members / Region | Northern Ontario | — | — |
Caisse Populaire Alliance Deposits, Loans and Revenue in the Past 5 Years
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Contact
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