Mosaik Credit Union
This Page's Content Was Last Updated: July 21, 2026
Important Information
WOWA.ca is an independent financial comparison platform and is not affiliated with Mosaik Credit Union.
Read our independent Mosaik Credit Union review to compare financial metrics, chequing fees, and branch locations across Nova Scotia. As of 2026, Mosaik Credit Union ranks #84 among Canadian credit unions with $353 million in total assets.
Quick Jump: Chequing & Savings Accounts|Financial Metrics
Credit Union
Mosaik
Mosaik Credit Union is a credit union located in Nova Scotia. It was founded in 2025 through the merger of Community Credit Union, New Ross Credit Union and and Victory Credit Union. It primarily serves Cumberland, Colchester, Hants and and Lunenburg counties.
Mosaik Credit Union was formed on January 1, 2025, through the merger of Community Credit Union of Cumberland Colchester, New Ross Credit Union, and Victory Credit Union. Members of the three Nova Scotia credit unions approved the merger in 2024, and the Mosaik name was adopted after the amalgamation.
Headquartered in Truro, Mosaik serves communities across Cumberland, Colchester, and Lunenburg counties. It offers personal and business banking, borrowing, mortgages, investments, and related financial services.
Mosaik operates as a member owned cooperative governed by directors elected by its members.
Provinces served
Number of Members (as of 2025): ~14,000
Mosaik Credit Union Ranking Among Credit Unions Monitored by WOWA
84th
by Assets
of 134 credit unions
84th
by Loans
of 133 credit unions
82nd
by Deposits
of 133 credit unions
Mosaik Credit Union ranks 84th among Canadian credit unions by assets monitored by WOWA, 84th by loans, and 82nd by deposits, as of December 31, 2025. You can view the complete list of Canadian credit unions here.
Mosaik Credit Union 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: Core
- Standard Fee
- $5.00/mo
- Free Transactions
- 15
- Insurance Limit
- $250,000 per category
Account details
- The monthly account fee is waived if you maintain a minimum balance of $4,000 in your account.
- The account fee may be waived for students and youth.
- The account fee might be waived for seniors.
- This account allows 15 free transactions.
- Mosaik Credit Union Core is a $5-per-month chequing account with 15 included standard transactions per month, including Interac e-Transfers, online transactions, cheques, pre-authorized debits, bill payments, and Canadian credit union ATM transactions. The monthly fee is waived with a $4,000 minimum balance and for seniors age 60 and older or youth age 24 and under.
Deposit Insurance
Deposits are insured by the Nova Scotia Credit Union Deposit Insurance Corporation (CUDIC). "Category" generally means separate coverage for each account type, such as individual, joint, trust, and each registered plan, though exact definitions vary slightly by province.
Chequing Account
2. Account: Premium
- Standard Fee
- $25.00/mo
- Free Transactions
- Unlimited
- Insurance Limit
- $250,000 per category
Account details
- The monthly account fee is waived if you maintain a minimum balance of $5,000 in your account.
- This account allows Unlimited free transactions.
- Mosaik Credit Union Premium is a $25-per-month chequing account with unlimited standard transactions, Interac and international ATM withdrawals, official cheques, and bank drafts. The monthly fee is waived with a $5,000 minimum balance. Seniors pay $20 per month, while youth age 24 and under pay $10. Certified cheque and in-branch statement fees are waived.
Deposit Insurance
Deposits are insured by the Nova Scotia Credit Union Deposit Insurance Corporation (CUDIC). "Category" generally means separate coverage for each account type, such as individual, joint, trust, and each registered plan, though exact definitions vary slightly by province.
Savings Accounts
Savings Account
Account: High Interest Savings (HISA)
- Interest Rate
- 0.60%
- Standard Fee
- Free
- Insurance Limit
- $250,000 per category
- Mosaik Credit Union High Interest Savings is a no-monthly-fee savings account that pays a higher interest rate while keeping funds accessible. Online transfers to other Mosaik Credit Union accounts are unlimited and free. The account can be managed through online and mobile banking, with no monthly service fee.
Deposit Insurance
Deposits are insured by the Nova Scotia Credit Union Deposit Insurance Corporation (CUDIC). "Category" generally means separate coverage for each account type, such as individual, joint, trust, and each registered plan, though exact definitions vary slightly by province.
Key Financial Metrics and Trends
| Metric | 2025 | 5-Year Change |
|---|---|---|
| Assets | $353M | N/A |
| Loans | $269M | N/A |
| Deposits | $332M | N/A |
| Loan-to-Deposit Ratio | 81.0% | — |
| Mortgages + HELOCs | N/A | N/A |
| Securities | $23M | N/A |
| Revenue | $13M | N/A |
| Efficiency Ratio | 93.1% | — |
| Target Members / Region | Cumberland, Colchester, Hants, and Lunenburg counties | — |
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Contact
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Disclaimer:
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