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Join LDCU

Experience exceptional service, exclusive member benefits, and a community-focused approach that puts your needs first.

 

Be a part of Something Bigger

As a 100% member-owned financial co-operative, you get an equal share and an equal say in what counts. Your voice shapes our direction, ensuring we serve your best interests and those of our community. And with trusted expert advice, outstanding service, and a full range of financial services, you can rest assured that we care deeply about your interest.
 
 

Why become a Member?

We do MORE

We Do MORE means doing more than just the basics – listening carefully and solving problems quickly. It means First Contact Resolution. It means going the extra mile to ensure our members are satisfied. It means providing the personal touch of talking to a real person, not just automated responses. It means being there when you need us.

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We Engage MORE

From local initiatives to personalized financial education, we're committed to being advocates in the communities we serve. Together, let's create a stronger, more connected community where everyone can thrive MORE.

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We Empower MORE

We believe in providing you with MORE knowledge, resources, and tools to take control of your financial future. Whether it's through personalized financial advice, educational workshops, or innovative digital tools, our goal is to empower you to make informed decisions to achieve your financial goals.

We Embrace MORE

We are embracing transformation in our banking services to better serve your needs. By fostering innovation and a culture of continuous learning and improvement, we are able to adapt to challenges and seize new opportunities to enhance and do MORE for you.

*Coming Soon*

By doing MORE, we Engage MORE, we Empower MORE, we Embrace MORE.

That's how we build a path to prosperity.

 

What our Members are saying

2024 Member Survey Responses

Employees go above and beyond to provide friendly, fast service. I always feel taken care of.

Although over the years I have heard some fairly caustic criticisms about LDCU from some people, most like me/us have had a much more positive relationship. Why? Because LDCU has earned our Trust and Loyalty. Staff have always done their best to accommodate our financial needs at any one moment in time with due diligence and caring in a way that both parties receive 'Value for Money'. Our sophisticated (usually humble) yet competitive stand-alone financial institution survives and thrives because it Trusts and is Loyal to its customers/members in return. Service. Service. Service. with a warm and welcoming attitude.

I am always welcomed and helped by the staff. It is an excellent place to bank.

I always get great and friendly service from my branch they have been very helpful with all of my financial needs. I have been with my branch here in Ladysmith for many years very friendly and helpful staff there as well.

I like the way I'm treated and it's personal treatment. Always happy to see me. And easy chit chat with them.  I like that.

LDCU offers all the services I require, and when I have what might be called an oddball question, the staff always do their best to find an answer for me. I always feel like I'm talking to a friend when I talk to anyone working at LDCU. Love that!!

 

How Membership Benefits You

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Apply in as little as 5-10 minutes

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Member Owned
Have your say at the AGM

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Profit Sharing through Dividends and Community Donations

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24/7 Access through online and mobile banking

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100% Deposit Guarantee

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Community Focus

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No surcharge access to over 5200 ATMs across Canada

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Deposit Anywhere (TM)

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FREE e-Transfers

 
 
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Special offer

Transfer your balance to an LDCU Collabria Credit Card for 0% for the first 9 months!
 
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How much are the Membership Shares?

Anyone wanting to become a member of Ladysmith & District Credit Union must purchase a minimum of 5 shares valued at $1.00 each.

Minimum requirements for member accounts

Note that members can increase their membership shares investment up to a maximum of $1,000.00 per member.

Personal Accounts

$5.00

Adults 19+ with Lending products

$50.00

Corporate Accounts

$50.00

 
 
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Get the app

Introducing LDCU Mobile, available on iPhone and Android™ devices. With a host of convenient features, it's a fast and secure way to handle everyday banking wherever and whenever it suits you.

   

Need help? Get your app questions answered here.

 

Need help getting set up?

Don't hesitate to reach out! Our team will be happy to help you access any of our banking tools.
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Find the credit card to fit your lifestyle

From no fee to travel rewards, we have a full range of flexible credit card options to suit your needs.

Get a personalized financial check up

Our experts will help you take control of your finances with genuine, actionable advice on how to maximize your money.

Bank with LDCU

Open an account or safety deposit box, transfer funds across town or around the world, and much more.