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.

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Personal Accounts

From high interest savings to basic chequing accounts, whether at home or on the road, our wide variety of banking solutions are designed to meet your needs.
 

Our team can help you choose the right account.

 
 

Regular Chequing

Overview

Our pay-as-you-go option with our lowest monthly fee, and low rates for the rest of your transactions.

Key features
  • Monthly fee: $5.95
  • Unlimited in-branch or electronic deposits
  • Unlimited free e-transfers
  • Unlimited withdrawals at LDCU and EXCHANGE® ATMs
  • Access your account in-branch, online, or through mobile banking
  • Access your account with your MEMBER CARD® Debit Card

See service fees

Get in touch

All Electronic Chequing

Overview

Like to live electronically? For members who don’t write cheques or visit the branch often, you can enjoy unlimited online, ATM, and POS transactions with a low monthly fee.

Key features
  • Monthly fee: $11.95
  • Unlimited chequing and savings accounts
  • Unlimited withdrawals at LDCU and EXCHANGE ATMs
  • Unlimited Interac® MEMBER CARD® Debit Card (POS) transactions
  • Unlimited Online Transactions
  • Unlimited free e-transfers
  • Access your account in-branch, online, or through mobile banking
  • Access your account with your MEMBER CARD Debit Card

See service fees 

Get in touch

MORE Than Chequing™

Overview

Our no fuss, all-inclusive account. With a fixed monthly fee, you’ll love the simplicity of this package!

Key features
  • Monthly fee: $24.95
  • Unlimited chequing and savings accounts
  • Unlimited free cheque transactions
  • Unlimited free electronic and in-branch transactions (except bill payment reversals)
  • Unlimited free withdrawals at LDCU and EXCHANGE ATMs
  • Unlimited free e-transfers
  • Free e-statements
  • Access your account in-branch, online, or through mobile banking
  • Access your account with your MEMBER CARD Debit Card

See service fees

Get in touch

MORE Than Free Senior Chequing

Overview

This account for members over 60 lets you relax by offering all the banking services you'll need, and more.

Key features
  • No monthly fee
  • Unlimited chequing and savings accounts
  • Unlimited free cheque transactions
  • Unlimited free electronic and in-branch transactions (except bill payment reversals)
  • Unlimited free withdrawals at LDCU and EXCHANGE ATMs
  • Unlimited free e-transfers
  • Free e-statements
  • Access your account in-branch, online, or through mobile banking
  • Access your account with your MEMBER CARD Debit Card

See service fees

Get in touch

MORE than Free Youth Chequing

Overview

This worry-free account is for students 18-25. You must provide your school schedule annually. Enjoy the freedom and flexibility to accommodate your busy school life, online or in-branch.

Key features
  • No monthly fee
  • Unlimited chequing and savings accounts
  • Unlimited free cheque transactions
  • Unlimited free electronic and in branch transactions (except bill payment reversals)
  • Unlimited free withdrawals at LDCU and EXCHANGE ATMs
  • Unlimited free e-transfers
  • Free e-statements
  • Access your account in branch, online, or through mobile banking
  • Access your account with your MEMBER CARD Debit Card

See service fees

Get in touch

Estate Package

Overview

A chequing account registered in the name of the estate that can be used to consolidate the Estate's assets during the administration period.

Key features
  • 1% admin fee (min $500)
  • $24.95/month
  • Free deposits
  • Consolidate estate assets
  • Help executors manage the estate

See service fees

Get in touch

Foreign Currency

Overview

Foreign chequing accounts for members 18 years of age and over available in USD, Sterling Pound, or Euro. 

Key features
  • Monthly fee: $7.95
  • Sterling and Euro accounts have unlimited transactions
  • USD account is pay-per-use

See service fees

Get in touch
 

Pay As You Go Plan 24 Savings

Overview

A simple, pay as you go savings account for everyday use. 

Key features
  • Monthly fee $5.95 unless part of a package account
  • In-branch and electronic deposits
  • Pre-authorized debits and credits
  • Automatic transfers to other savings, chequing, and registered product accounts
  • Access your account in-branch, online, or through mobile banking
  • Access your account with your MEMBER CARD Debit Card
  • Interest is paid monthly and calculated on closing daily balance

See service fees

Get in touch

High Interest Savings

Overview

A simple, pay as you go savings account for everyday use.

Key features
  • Monthly fee $5.95 unless part of a package account
  • In-branch and electronic deposits
  • Pre-authorized credits
  • Automatic transfers to other savings, chequing, and registered product accounts
  • Access your account in-branch, online, or through mobile banking
  • Interest is paid monthly and calculated on the closing daily balance

See service fees

Get in touch

First Home Savings

Overview

The First Home Savings Account (FHSA) is a unique savings tool in Canada designed to help first-time homebuyers save up for their first property. Launched in 2023, it combines the best features of RRSPs and TFSAs, allowing Canadians who are 18 years or older and who qualify as first-time homebuyers to contribute up to $8,000 per year, with a lifetime limit of $40,000.

Key features
  • Tax-Deductible Contributions: Like an RRSP, contributions to an FHSA are tax-deductible, which can reduce your taxable income
  • Tax-Free Growth and Withdrawals: Similar to a TFSA, any investment growth in the account is tax-free. Withdrawals are also tax-free, as long as they're used for purchasing a first home
  • Flexible Investment Options: The FHSA allows a wide range of investments, from GICs, stocks and bonds to mutual funds, making it adaptable to different savings strategies

See service fees

Get in touch

USD Savings

Overview

A USD savings account paying 0.125%.

Key features
  • Monthly fee: $7.95
  • In-branch deposits
  • Pre-authorized debits and credits
  • Access your account in-branch, online, and through your mobile app

See service fees

Get in touch
 

Build wealth for a bright future

Grow your money with Ladysmith & District Credit Union. Explore investments like GICs, RRSPs, RESPs, and TFSAs. 

Explore investments

Looking for business accounts?

In addition to personal accounts, we also have chequing and savings accounts to grow your business.  

Explore business accounts

Bank with LDCU

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

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