VantageOne 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 VantageOne Credit Union.
Read our independent VantageOne Credit Union review to compare financial metrics, chequing fees, and branch locations across British Columbia. As of 2026, VantageOne Credit Union ranks #67 among Canadian credit unions with $501 million in total assets.
Quick Jump: Chequing & Savings Accounts|Financial Metrics
Credit Union
VantageOne
VantageOne Credit Union is a credit union located in British Columbia. It was founded in 1944. It primarily serves Okanagan Valley region (Vernon, Armstrong and Peachland).
VantageOne Credit Union was established in 1944 in Vernon, British Columbia, originally as Vernon and District Credit Union. It is headquartered in the North Okanagan and serves communities across the region through branch locations and related services.
VantageOne offers personal and business banking, borrowing, mortgages, insurance, investments, and equipment leasing. It also operates VantageOne Realty as a wholly owned subsidiary providing real estate services in the region.
As a member owned financial cooperative, VantageOne is governed by a board elected by its members. Its operations focus on local decision making, member service, and financial support for individuals, businesses, and communities in the North Okanagan.
Provinces served
Number of Members (as of 2025): ~10,000
VantageOne Credit Union Ranking Among Credit Unions Monitored by WOWA
67th
by Assets
of 134 credit unions
67th
by Loans
of 133 credit unions
67th
by Deposits
of 133 credit unions
VantageOne Credit Union ranks 67th among Canadian credit unions by assets monitored by WOWA, 67th by loans, and 67th by deposits, as of December 31, 2025. You can view the complete list of Canadian credit unions here.
VantageOne 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: Pay As You Go
- Standard Fee
- Free
- Free Transactions
- 0
- Insurance Limit
- Unlimited
Account details
- This account allows 0 free transactions.
- Service charges are waived when a minimum monthly balance of $5,000 or more is maintained in the Maximizer account. Pre-Authorized Debit: $1.00 Point-of-Sale Transaction: $1.00 Bill Payment (In Branch): $1.50 In-Branch Withdrawal: $1.00 Interac e-Transfer: $0.50 Cheque: $1.00 ATM Withdrawal (Credit Union, Canada): $1.00 ATM Withdrawal (Non-Credit Union): $3.00
- No source is available for the account’s interest rate.
- VantageOne Credit Union Pay As You Go is a no-monthly-fee chequing account with pay-as-you-go transaction pricing. Service charges are waived when a minimum monthly balance of $5,000 is maintained in a Maximizer account. New VantageOne members also receive 3 months of free banking when opening an account.
Deposit Insurance
Deposits are insured by the Credit Union Deposit Insurance Corporation of British Columbia (CUDIC), administered by BCFSA.
Chequing Account
2. Account: Smart Plus
- Standard Fee
- $19.95/mo
- Free Transactions
- Unlimited
- Insurance Limit
- Unlimited
Account details
- This account allows Unlimited free transactions.
- No source is available for the account’s interest rate.
- VantageOne Credit Union Smart Plus is a $19.95-per-month chequing account with unlimited transactions, including Interac e-Transfers, across in-branch, online, and mobile banking channels. Deposits are free, and online bill payments and call centre transfers are included at no additional charge. New VantageOne members receive 3 months of free banking.
Deposit Insurance
Deposits are insured by the Credit Union Deposit Insurance Corporation of British Columbia (CUDIC), administered by BCFSA.
Savings Accounts
Savings Account
Account: Advantage Savings
- Standard Fee
- Free
- Free Transactions
- 0
- Insurance Limit
- Unlimited
Account details
- The monthly account fee is waived if you receive at least $10,000 in direct deposits each month.
- This account allows 0 free transactions.
- No source is available for the account’s interest rate.
- VantageOne Credit Union Advantage Savings is a no-monthly-fee savings account requiring a minimum monthly balance greater than $10,000. In-branch withdrawals, in-branch bill payments, and Interac e-Transfers cost $3 each. Pre-authorized debits, debit purchases, cheques, official cheques, and ATM withdrawals are not available with the account.
Deposit Insurance
Deposits are insured by the Credit Union Deposit Insurance Corporation of British Columbia (CUDIC), administered by BCFSA.
Savings Account
Account: Savings
- Standard Fee
- Free
- Free Transactions
- 0
- Insurance Limit
- Unlimited
Account details
- This account allows 0 free transactions.
- No source is available for the account’s interest rate.
- VantageOne Credit Union Savings is a no-monthly-fee demand access savings account with no minimum balance required to earn interest. Interest is calculated daily and paid monthly. Deposits and transfers to VantageOne accounts are free, along with bill payments through the call centre, ATMs, mobile banking, or online banking.
Deposit Insurance
Deposits are insured by the Credit Union Deposit Insurance Corporation of British Columbia (CUDIC), administered by BCFSA.
Key Financial Metrics and Trends
| Metric | 2025 | YoY Change | 5-Year Change |
|---|---|---|---|
| Assets | $501M | +3.5% | +15.2% |
| Loans | $378M | +10.2% | +15.2% |
| Deposits | $462M | +3.1% | +13.5% |
| Loan-to-Deposit Ratio | 81.8% | — | — |
| Mortgages + HELOCs | $260M | +15.6% | +20.9% |
| Securities | $67M | -20.2% | +36.7% |
| Revenue | $16M | +14.3% | +23.1% |
| Efficiency Ratio | 77.8% | — | — |
| Target Members / Region | Okanagan Valley region (Vernon, Armstrong, Peachland) | — | — |
VantageOne Credit Union Deposits, Loans and Revenue in the Past 5 Years
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Contact
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