Valley Credit Union
This Page's Content Was Last Updated: July 21, 2026
Credit Union
Valley
Valley Credit Union is a credit union located in Nova Scotia. It was founded in 1994. It primarily serves Annapolis Valley.
Valley Credit Union is a Nova Scotia credit union serving the Annapolis Valley region. Its head office is in Waterville, and it serves members in Annapolis County, Kings County, and Hantsport in West Hants County.
The credit union offers personal and business banking, mortgages, loans, investments, and related financial services. As a member owned cooperative, it is locally governed and focused on financial services for individuals, businesses, and communities in its service area.
Valley Credit Union also supports community organizations, partnerships, and sponsorships across the region. Member deposits are protected through the Nova Scotia Credit Union Deposit Insurance Corporation.
Provinces served
Chequing and Savings Accounts
The account-related data on this page was last updated on July 20, 2026.
Chequing Accounts
Chequing Account
1. Account: YOUR CHEQUING 15
- Standard Fee
- $6.00/mo
- Free Transactions
- 15
- Max e-Transfer / Day
- $10,000
- Insurance Limit
- $250,000 per category
Account details
- This account allows 15 free transactions.
- Maximum Interac e-Transfer per day: $10,000
- Maximum Interac e-Transfer per week: $50,000
- This limit may vary depending on the client profile.
*Interest Rate Breakdown by Balance
Balance amount Interest rate $0 to $500 0.03% $501 to $1,000 0.04% $1,001 to $3,000 0.05% $3,001 to $5,000 0.08% $5,001 or over 0.10% 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: YOUR CHEQUING UNLIMITED
- Standard Fee
- $28.00/mo
- Free Transactions
- Unlimited
- Max e-Transfer / Day
- $10,000
- Insurance Limit
- $250,000 per category
Account details
- This account allows Unlimited free transactions.
- Maximum Interac e-Transfer per day: $10,000
- Maximum Interac e-Transfer per week: $50,000
- This limit may vary depending on the client profile.
*Interest Rate Breakdown by Balance
Balance amount Interest rate $0 to $500 0.03% $501 to $1,000 0.04% $1,001 to $3,000 0.05% $3,001 to $5,000 0.08% $5,001 or over 0.10% 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
- Interest Rate
- 1.00%*
- Standard Fee
- Free
- Free Transactions
- 0
- Max e-Transfer / Day
- $10,000
- Insurance Limit
- $250,000 per category
Account details
- This account allows 0 free transactions.
- Maximum Interac e-Transfer per day: $10,000
- Maximum Interac e-Transfer per week: $50,000
- This limit may vary depending on the client profile.
*Interest Rate Breakdown by Balance
Balance amount Interest rate $1 ro $5,000 1.00% $5,001 or over 1.25% 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.
Credit Union Overview
| Metric | 2025 | 5-Year Change |
|---|---|---|
| Assets | $381M | N/A |
| Loans | $307M | N/A |
| Deposits | $352M | N/A |
| Mortgages + HELOCs | $156M | N/A |
| Revenue | $14M | N/A |
| Efficiency Ratio | 75.1% | — |
| Members | ~11,000 | — |
| Branches | 7 | — |
| Target Members / Region | Annapolis Valley | — |
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Contact
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