Our Stz'uminus branch in Oyster Bay Village is closed temporarily due to a power outage. We will post updates when we receive them from BC Hydro. Our main branch at 330 First Ave in Ladysmith is open and fully functional. We appreciate your patience while power is being restored.

Service Disruption Notice: Due to the nationwide Canada Post strike, physical mail and parcel services may experience delays. To minimize any inconvenience, we recommend the following options:

Sign up for e-Statements: Login to Online Banking to view and print your e-Statements.
Visit our branch: Our team can print your statement for you upon request.

Thank you for your understanding, and please reach out if you have any questions.

To provide an improved user experience, Interac e-Transfer email notifications now have an enhanced look and feel. Learn more.

Join LDCU

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

Apply today

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 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.

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.

Our Community

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.

Tips and Tools

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

Apply in as little as 5-10 minutes

Member Owned
Have your say at the AGM

Profit Sharing through Dividends and Community Donations

24/7 Access through online and mobile banking

100% Deposit Guarantee

Community Focus

No surcharge access to over 5200 ATMs across Canada

Deposit Anywhere (TM)

FREE e-Transfers

Special Offer

When you apply and are approved for an LDCU Collabria MasterCard card between October 15 and December 9, 2024, you’ll be entered to win an all-expense paid trip to Whistler, BC.

View offer details

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

Apply today

Use our handy contact form to get started on your membership application today.

Start my application

Apply today

Complete your application in just a few minutes, or save your progress and come back to it later.

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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.