Northern Birch Credit Union
This Page's Content Was Last Updated: July 21, 2026
Important Information
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Shopping for financial products in Ontario? This 2026 Northern Birch Credit Union 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:
- Inspect GIC & Savings Rates — Non-registered, TFSA, and RRSP yields backed by FSRA (DIRF).
- Financial Overview & Asset Rank — Key performance data for Northern Birch Credit Union (ranked #106 in Canada with $208 million in assets).
- Branch Network & Accounts — Account options and local branch access.
Credit Union
Northern Birch
Northern Birch Credit Union is a credit union located in Ontario. It was founded in 2020 through the merger of Estonian and Latvian Credit Unions. It primarily serves Estonian and Latvian communities and Toronto.
Northern Birch Credit Union was formed on January 1, 2020, through the merger of Estonian Credit Union and Latvian Credit Union in Toronto. Both predecessor institutions had served their respective communities for decades following the arrival of Baltic refugees and immigrants in Canada after the Second World War.
The Northern Birch name refers to cultural references shared by Estonian and Latvian communities. Today, Northern Birch serves members in the Greater Toronto Area with personal and business banking, borrowing, mortgages, investments, and related financial services.
The credit union also has experience with cooperative and co ownership apartment mortgages.
Provinces served
Number of Members (as of 2025): ~7,000
Northern Birch GIC Rates
The GIC rates on this page were last updated on September 21, 2026 at 5:44 PM ET.
| Term | Non-Registered Rate | Registered Rate |
|---|---|---|
| 1-Year | 3.25% | 3.25% |
| 2-Year | 3.05% | 3.05% |
| 3-Year | 2.90% | 2.90% |
| 4-Year | 3.05% | 3.05% |
| 5-Year | 3.40% | 3.40% |
* 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. | ||
Northern Birch Credit Union Ranking Among Credit Unions Monitored by WOWA
106th
by Assets
of 134 credit unions
102nd
by Loans
of 133 credit unions
106th
by Deposits
of 133 credit unions
Northern Birch Credit Union ranks 106th among Canadian credit unions by assets monitored by WOWA, 102nd by loans, and 106th by deposits, as of December 31, 2025. You can view the complete list of Canadian credit unions here.
Northern Birch Credit Union Branch Locations
Key Financial Metrics and Trends
| Metric | 2025 | 5-Year Change |
|---|---|---|
| Assets | $208M | N/A |
| Loans | $175M | N/A |
| Deposits | $186M | N/A |
| Loan-to-Deposit Ratio | 94.1% | — |
| Mortgages + HELOCs | N/A | N/A |
| Securities | $26M | N/A |
| Revenue | $7M | N/A |
| Efficiency Ratio | 89.2% | — |
| Target Members / Region | Estonian and Latvian communities, Toronto | — |
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Contact
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