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Featured Rates*

*Rates are subject to change without notice. Conditions apply.

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5 Year Fixed
High Ratio Mortgage
5-Year Fixed
Conventional Mortgage
20 Month GIC
No Minimum
High Interest Savings
With $50,000 balance

COVID-19 information

Keep up to date on COVID-19 precautions and business changes. Masks are mandatory in all branches and hours are still affected.

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End poverty. Feet first.

We're thrilled to announce PenFi is once again partnering with Socks for Change to deliver warm socks to those in need this winter.

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Our Truly Local Commitment

As a credit union, we are owned and operated by our Members, and cooperative philosophies and social responsibility are in our DNA. At the core of our philanthropic culture is our Truly Local Commitment to invest 10% of our pre-tax profits back into Niagara Communities and challenge issues like poverty, homelessness, mental health awareness and environmental sustainability. We also support the community and our Members through programs like financial literacy training, and our Community Room space at our Fourth Avenue branch. Our commitment extends to our staff as well. As a certified Living Wage Employer, a living wage is our minimum wage.

We are proud to be a Certified B Corporation, committed to using our business as a force for good. We believe there is a better way to do business for our workers, communities and the environment. And, we walk the talk on those beliefs, 100% of our Financial Advisors are certified Responsible Investing Specialists, and we are committed to our communities by choosing local first. We hire local, buy local and partner with local like-minded organizations who are committed to building a better Niagara too, like Socks for Change.

We offer the same products and services as most other financial institutions, but we do it with a different set of values. It takes courage to be different, and we strive to transform the way banking is done.

Learn about our TLC

Truly Local Advice Blog

See all recent posts →

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Gift giving that gives back

With the holidays fast approaching, it’s hard to know exactly how this year’s festivities will play out. You may be...

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5 Ways to improve your credit score

Credit is a staple in our modern world. And many of us have been impacted by the COVID-19 pandemic over recent months....

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What should I do with my investments?

The global pandemic has changed our lives. As we stay home and adjust our lives to suit our new physical and financial...

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The PenFinancial Credit Union Collabria Mastercard is issued by Collabria Financial Services Inc. pursuant to a license from Mastercard International Incorporated. Mastercard is a registered trademark and the circles design is a trademark of Mastercard International Incorporated.For complete terms and conditions of all features and rewards please visit the Collabria Mastercard website.