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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
11 Month GIC
No Minimum
High Interest Savings
With $50,000 balance

Mask-Wearing-BannerCOVID-19 updates

Read about the latest updates relating to COVID-19, including temporary adjustments to our hours of operations.

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Claire_TLCCOVID-19 relief

PenFi has announced a $25k donation to
local organizations providing emergency support.

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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 the Bob Watson 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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Why is everything so expensive?

Do you remember the good old days: $5 footlongs at Subway, Toonie Tuesdays at KFC or a BigMac extra value meal for less...

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Protect yourself from the wolf in sheep's clothing

Fraud. It includes a lot of faking. Fake companies and employees. Fake messages or emails. Fake fines or balances. All...

3 min read

Stop ducking and start 2021 with a plan

“An ounce of prevention is better than a pound of cure.” So said Benjamin Franklin, who didn’t have to live through...

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