Williams Lake and District Credit Union
This Page's Content Was Last Updated: July 21, 2026
Important Information
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Read our independent Williams Lake and District Credit Union review to compare financial metrics, chequing fees, and branch locations across British Columbia. As of 2026, Williams Lake and District Credit Union ranks #69 among Canadian credit unions with $437 million in total assets.
Quick Jump: Chequing & Savings Accounts|Financial Metrics
Credit Union
Williams Lake and District
Williams Lake and District Credit Union is a credit union located in British Columbia. It was founded in 1952. It primarily serves Cariboo and Central Coast regions.
Williams Lake and District Credit Union was founded in 1952 and is headquartered in Williams Lake, British Columbia, in the Cariboo region. It serves members in central British Columbia through locations in Williams Lake, 100 Mile House, and Bella Coola.
The credit union offers personal and business banking, borrowing, mortgages, investments, and related financial services. Its service area includes both interior communities and Bella Coola, a remote coastal community connected to the Cariboo by mountain highway and air access.
As a locally governed financial cooperative, Williams Lake and District Credit Union is owned by its members and overseen by a member elected board. Its work focuses on local decision making, member service, and financial support for households, businesses, and communities across its regional service area.
Provinces served
Number of Members (as of 2025): ~12,000
Williams Lake and District Credit Union Ranking Among Credit Unions Monitored by WOWA
69th
by Assets
of 134 credit unions
74th
by Loans
of 133 credit unions
69th
by Deposits
of 133 credit unions
Williams Lake and District Credit Union ranks 69th among Canadian credit unions by assets monitored by WOWA, 74th by loans, and 69th by deposits, as of December 31, 2025. You can view the complete list of Canadian credit unions here.
Williams Lake and District 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: Basic Chequing
- Standard Fee
- $4.95/mo
- Free Transactions
- 0
- Max e-Transfer / Day
- $10,000
- Insurance Limit
- Unlimited
Account details
- The monthly account fee is waived if you maintain a minimum balance of $1,000 in your account.
- This account allows 0 free transactions.
- Debit Transaction: $0.95 Bill Payment (In Branch): $2.00
- Maximum Interac e-Transfer per day: $10,000
- Maximum Interac e-Transfer per week: $70,000
- This limit may vary depending on the client profile.
- No source is available for the account’s interest rate.
- WLDCU Basic Chequing is a $4.95-per-month pay-as-you-go chequing account with debit transactions costing $0.95 each and in-branch bill payments costing $2. The monthly fee is waived when a minimum balance of $1,000 is maintained. Monthly eStatements are included, while other transactions are charged individually based on usage.
Deposit Insurance
Deposits are insured by the Credit Union Deposit Insurance Corporation of British Columbia (CUDIC), administered by BCFSA.
Chequing Account
2. Account: Dream Chequing
- Standard Fee
- $29.95/mo
- Free Transactions
- Unlimited
- Max e-Transfer / Day
- $10,000
- Insurance Limit
- Unlimited
Account details
- This account allows Unlimited free transactions.
- 100 free Interac e-Transfers are included each month.
- Maximum Interac e-Transfer per day: $10,000
- Maximum Interac e-Transfer per week: $70,000
- This limit may vary depending on the client profile.
- No source is available for the account’s interest rate.
- WLDCU Dream Chequing is a $29.95-per-month chequing account with unlimited debit transactions, 100 outgoing Interac e-Transfers, and free bill payments. The monthly fee is discounted by 50% with a $6,000 minimum monthly balance. It also includes Collabria Mastercard fee reimbursement, Qtrade trade fee reimbursements, a small safety deposit box, and mortgage renewal fee waiver.
Deposit Insurance
Deposits are insured by the Credit Union Deposit Insurance Corporation of British Columbia (CUDIC), administered by BCFSA.
Savings Accounts
Savings Account
Account: Basic Savings
- Standard Fee
- Free
- Free Transactions
- 0
- Max e-Transfer / Day
- $10,000
- Insurance Limit
- Unlimited
Account details
- This account allows 0 free transactions.
- Maximum Interac e-Transfer per day: $10,000
- Maximum Interac e-Transfer per week: $70,000
- This limit may vary depending on the client profile.
- No source is available for the account’s interest rate.
- WLDCU Basic Savings is a no-monthly-fee savings account that earns a flat interest rate based on the account balance. Interest is calculated daily and paid quarterly. Debit transactions cost $0.95 each, in-branch bill payments cost $2, and outgoing Interac e-Transfers cost $1. Monthly eStatements are included at no additional charge.
Deposit Insurance
Deposits are insured by the Credit Union Deposit Insurance Corporation of British Columbia (CUDIC), administered by BCFSA.
Savings Account
Account: Dream Savings
- Standard Fee
- Free
- Free Transactions
- 0
- Max e-Transfer / Day
- $10,000
- Insurance Limit
- Unlimited
Account details
- This account allows 0 free transactions.
- 2 free transfers to another WLDCU account are included each month.
- Maximum Interac e-Transfer per day: $10,000
- Maximum Interac e-Transfer per week: $70,000
- This limit may vary depending on the client profile.
- No source is available for the account’s interest rate.
- WLDCU Dream Savings is a no-monthly-fee savings account that earns a premium interest rate on balances of $5,000 or more. Interest is calculated daily and paid monthly. It includes 2 transfers to another WLDCU account per month. Additional debit transactions cost $5 each, and monthly eStatements are included.
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 | $437M | +5.6% | +5.0% |
| Loans | $319M | +7.4% | +18.1% |
| Deposits | $413M | +5.4% | +4.0% |
| Loan-to-Deposit Ratio | 77.2% | — | — |
| Mortgages + HELOCs | N/A | N/A | N/A |
| Securities | $83M | -3.5% | -25.2% |
| Revenue | $13M | +8.3% | +44.4% |
| Efficiency Ratio | 83.1% | — | — |
| Target Members / Region | Cariboo and Central Coast regions | — | — |
Williams Lake and District Credit Union Deposits, Loans and Revenue in the Past 5 Years
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