Vision Credit Union
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 Vision Credit Union.
Shopping for financial products in Yukon? This 2026 Vision 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:
- Compare Vision Credit Union Mortgage Rates — 1- to 5-year fixed and variable terms.
- Inspect GIC & Savings Rates — Non-registered, TFSA, and RRSP yields.
- Financial Overview & Asset Rank — Key performance data for Vision Credit Union (ranked #23 in Canada with $2.7 billion in assets).
- Branch Network & Accounts — Account options and local branch access.
Credit Union
Vision
Vision Credit Union is a credit union located in Yukon. It was founded in 1950. It primarily serves East-Central and Northwest Alberta.
Vision Credit Union traces its roots to Camrose, Alberta, where it began around 1950 as a cooperative financial resource for employees at a local seniors care facility. It has since grown into one of Alberta’s larger credit unions while maintaining a focus on rural communities.
Vision offers personal, business, and agricultural banking, including products and advice for farmers and ranchers. The credit union states that member deposits and profits are invested back into Alberta through local loans, mortgages, community contributions, and member dividends.
Its profit sharing program returns a portion of earnings to members. Vision’s work is focused on rural Alberta, local relationships, practical financial service, and support for families, farms, businesses, and communities in the regions it serves.
Provinces served
Number of Members (as of 2025): ~38,000
Vision 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 | Posted non-discounted rate |
|---|---|---|---|---|
| Vision Credit Union | 1-Year Fixed | 4.49% | 4.49% | 5.99% |
| Vision Credit Union | 2-Year Fixed | 3.56% | 3.56% | 4.75% |
| Vision Credit Union | 3-Year Fixed | 3.56% | 3.56% | 4.75% |
| Vision Credit Union | 4-Year Fixed | 3.74% | 3.74% | 4.99% |
| Vision Credit Union | 5-Year Fixed | 3.93% | 3.93% | 5.25% |
* 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 Vision Credit Union Mortgage Features
- Prepayment Privileges: Most credit unions in Yukon 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.
Vision 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-Month | 2.18% | — |
| 3-Month | 2.50% | — |
| 6-Month | 2.81% | — |
| 1-Year | 3.50% | 3.50% |
| 1.5-Year | 3.75% | 3.75% |
| 2-Year | 3.75% | 3.75% |
| 3-Year | 3.75% | 3.75% |
| 4-Year | 3.88% | 3.88% |
| 5-Year | 4.06% | 4.06% |
* 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. | ||
Vision Credit Union Ranking Among Credit Unions Monitored by WOWA
23rd
by Assets
of 134 credit unions
26th
by Loans
of 133 credit unions
22nd
by Deposits
of 133 credit unions
Vision Credit Union ranks 23rd among Canadian credit unions by assets monitored by WOWA, 26th by loans, and 22nd by deposits, as of October 31, 2025. You can view the complete list of Canadian credit unions here.
Vision 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: Everyday Essentials
- Standard Fee
- $4.00/mo
- Free Transactions
- 10
Account details
- This account allows 10 free transactions.
- E-Transfers are excluded from the transaction limit and is unlimited.
- Vision Credit Union Everyday Essentials is a $4-per-month chequing account with 10 included debit transactions and Interac e-Transfers. Deposits made in-branch, at ATMs, or through mobile cheque deposit are free and do not count toward the transaction allowance. Online e-statements are also included at no charge.
Chequing Account
2. Account: Everyday Premium
- Standard Fee
- $21.00/mo
- Free Transactions
- Unlimited
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.
- E-Transfers are excluded from the transaction limit and is unlimited.
*Interest Rate Breakdown by Balance
Balance amount Interest rate $0 to $4,999 0.00% $5,000 or over 0.05% - Vision Credit Union Everyday Premium is a $21-per-month chequing account with unlimited transactions and included Interac e-Transfers. It earns interest on balances of $5,000 or more, and the monthly fee is waived when a minimum balance of $5,000 is maintained. Deposits and electronic statements are also free.
Savings Accounts
Savings Account
Account: Everyday Savings
- Interest Rate
- 0.15%*
- Standard Fee
- Free
- Free Transactions
- 5
Account details
- This account allows 5 free transactions.
- Interac e-Transfers are included.
*Interest Rate Breakdown by Balance
Balance amount Interest rate $0 to $24,999 0.15% $25,000 or over 0.25% - Vision Credit Union Everyday Savings is a no-monthly-fee savings account with 5 included debit transactions and Interac e-Transfers. Interest accrues daily and is paid monthly at month-end. Deposits made by ATM, Interac e-Transfer, or mobile cheque deposit are free, and a Debit Mastercard is available with the account.
Savings Account
Account: High Interest Savings Account
- Interest Rate
- 0.05%*
- Standard Fee
- Free
- Free Transactions
- 1
Account details
- This account allows 1 free transaction.
*Interest Rate Breakdown by Balance
Balance amount Interest rate $0 to $60,000 0.25% $60,000.01 to $150,000 0.35% $150,000.01 or over 0.45% - Vision Credit Union High Interest Savings Account is a no-monthly-fee savings account with 1 included debit per month, limited to an internal transfer or withdrawal. Additional debit transactions cost $5 each, and Interac e-Transfers are not available. Interest accrues daily and is paid monthly at month-end.
Key Financial Metrics and Trends
| Metric | 2025 | YoY Change | 5-Year Change |
|---|---|---|---|
| Assets | $2,660M | +5.5% | +74.2% |
| Loans | $2,072M | +8.5% | +73.2% |
| Deposits | $2,312M | +4.8% | +70.9% |
| Loan-to-Deposit Ratio | 89.6% | — | — |
| Mortgages + HELOCs | N/A | N/A | N/A |
| Securities | $508M | -4.0% | +195.3% |
| Revenue | $100M | +5.3% | +127.3% |
| Efficiency Ratio | 48.4% | — | — |
| Target Members / Region | East-Central and Northwest Alberta | — | — |
Vision Credit Union Deposits, Loans and Revenue in the Past 5 Years
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Contact
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Disclaimer:
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