Unique Benefits
Credit Union members are both a customer and an owner. As a customer, you receive the services you want and as an owner you enjoy a return on your share investment in the form of competitive rates, value costs for premium services, and local control of your own financial institution.

Local Ownership and Control
Belonging to a credit union means that you are more than a customer - you are an owner - and as an owner you get to influence the progress of your business. There is a voluntary Board of Directors that you elect, with your right to vote, at the Annual General Meeting. All decisions are made locally by people who live in and understand your local community.

As neighbours, living and working in the same community, NLCU offers all the financial services you require with a big difference - pride in knowing all monies stay here in our own communities working for your own economic benefit. You'll enjoy a flexible approach to business and responsiveness to local concerns.

All things being equal, why would you not choose a financial institution where the very ownership structure is designed to focus on, and is sensitive to, your needs?

Community Involvement
NLCU is uniquely positioned to support community development through:

• Loans to members and small businesses
• Investment to community projects
• Sponsorship of community activities and events
• Public education programs to foster personal financial well-being
• Outstanding School and Community Involvement Scholarship
• Employees active in the community as members of boards of trade, chambers of commerce, church groups, service organizations, charitable organizations, and numerous other activities

Service to Members
NLCU has over 20,500 members and control over a half billion dollars in assets. Our professionally trained, knowledgeable employees provide personal service and attention to members from 12 locations province-wide. Wealth Management Advisors are available 7 days a week and outside normal business hours to visit you at home or at the office.

Members can choose to transact their business electronically through Online Banking, Mobile Banking, Automated Teleservice, personal contact Teleservice, and ATMs.

Credit Union Potential
The ability of credit unions to return benefits to their members and their communities is in direct proportion to the support they receive from members in the community. Making NLCU your primary financial services provider means higher levels of service, greater benefits and rewards to both members and the community. We see ourselves becoming part of every family in our province by establishing a relationship of trust with dependable, complete service for every financial need.

There is a large network of credit unions worldwide.

Atlantic Canada Credit Unions
There are 54 credit unions in Atlantic Canada, with 181 locations. They control over $4.51 billion in assets.

National
There are 235 credit unions and affiliated caisses populaires with over 1,740 locations all over the country.  Over 5.3 millilon Canadians are members of an affiliated credit union.  They control over $165.6 billion in assets.

International
More than 200 million people are members of credit union in 103 countries.  Over 56,900 credit unions globally with worldwide assets of over $1.7 trillion.