ATM Cards
Personalized ATM/POS cards are available which offer 24 hour access to your accounts locally and internationally. Deposits can be made at any deposit-taking machine on The Exchange Network. Please note that funds may be held on ATM deposits. Contact your credit union for further details.
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Bill Payments
Pay your bills at the Credit Union or through Member Direct telephone banking.
Once the bill is set up at the branch, access is available.
Some of the many bills we accept are:
- Bell Canada
- Co-operators Insurance
- Enbridge Consumers Gas
- Home Depot
- Hydro One
- Mastercard
- Petro Canada
- Peterborough Taxes
- Peterborough Utilities
- Sprint Canada
- Staples Business Depot
- Visa
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Chequing Accounts
Regular, Premium and Member First all offer
- $0 - $350 balance - no interest
- $350.01 - $5,000 balance - .50% interest
- $5,001+ balance - 1% interest
- free ATM/POS card
- no clearing costs
- no charge at teller for deposits or withdrawals
- no service charge to purchase American Express Travellers Cheques
- return cancelled cheques with statements
- unlimited cheque writing
- no charge for electronic fund deposits
- electronic fund withdrawals - $0.35 each

REGULAR PCA
- $6.75 minimum monthly charge
- $2.00 monthly charge for telephone banking
- in-branch bill payments - $1.00 per item

PREMIUM CHEQUING
- $11.00 minimum monthly charge
- 25 free ATM or POS transactions or any combination thereof
- monthly charge waived on telephone banking
- in-branch bill payments - $0.50 per item

MEMBER FIRST CHEQUING
- $25.00 flat monthly charge
- unlimited ATM, POS and EFT transactions         
- monthly charge waived on telephone banking
- free unlimited bill payments on telephone banking
- in-branch bill payments - $0.50 per item
- $5.00 reduction on safety deposit box rental

RAINBOW ACCOUNT
- members 60 years of age and over
- no monthly chequing charge
- no 1% charge for American Express Travellers Cheques
- direct deposit of all pension cheques
- free bill payments
- free interim statement printout
- 10% discount on safety deposit boxes
- free EFT deposits and withdrawals 

STUDENT CHEQUING ACCOUNT
- $3.00 minimum monthly charge
- proof required of fulltime status
- free ATM/POS card
- 10 free ATM or POS transactions or any combination thereof
- same interest rate and tiers as Regular PCA
- cancelled cheques returned with statement
- no monthly charge for telephone banking
- in-branch bill payments - $0.50 per item
- no 1% fee charged on Canadian/US American Express Travellers Cheques
- no charge at teller for withdrawals or transfers
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CU Mastercard
Mastercard is available through our Credit Union, with worldwide access.
Call our branch for details.
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EFTs
We offer the latest in electronic funds transfers. For example, paycheques, government cheques and pension cheques can be deposited automatically to your personal chequing or Plan 24 account.
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Loans
Personal and Demand Loans
- maximum of $62,500 at competitive rates
- automatically life insured to age 70
- credit disability insurance is available in case of injury or illness
- payments can be made monthly, weekly or bi-weekly
- any portion or balance can be paid at any time

Overdraft Protection & Personal Line of Credit
- $500 - $50,000
- $150,000 on bridge loans
- rates vary depending on amount and security
- automatically life insured to age 70
(Please note that rates are subject to change without notice)

Auto Loans
- for current model year and three years back
- 10% downpayment
- automatically life insured to age 70
- open contracts for 5 years
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Mortgages
- 1st mortgage to $150,000
- 10% prepayment available on anniversary date
- monthly, weekly or bi-weekly payments
- mortgage insurance available
- no application fee
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RRSPs
We offer 1 to 5 year terms with monthly or bi-weekly contributions from your account. Interest is compounded annually.
We also offer RRIFs and RESPs.
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Safety Deposit Boxes
There are 3 sizes of boxes for rent in our building. Your savings or chequing account will be debited automatically each year for the rental fee.
Members 60 years of age and older receive a 10% discount off the current rate.
Check with us for current rates.
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Savings Accounts
Share Capital
- membership requires an initial deposit of $5.00
- earns a dividend each February, the amount determined at the annual meeting and based on Credit Union profit

Shares
- Share Capital dividend is deposited to this account
- interest is paid annually and calculated on the minimum quarterly balance

Plan 24
- daily interest savings account
- interest is paid semi-annually and calculated on the minimum daily balance
- no minimum balance is required
- no charge for withdrawals or deposits
- electronic funds withdrawals - $0.35 each
- no charge for electronic funds deposits
- ATM accessible

Youth Account - Plan 24
- ATM accessible
- 5 free ATM or POS transactions or any combination each month
- up to and including age 17, then can be transferred to a Student Account
- interest earned same as regular Plan 24

Student Savings Account - Plan 24
- proof required of fulltime status
- ATM accessible
- 10 free ATM or POS transaction or any combination each month
- same interest rate as regular Plan 24
- in-branch bill payments - $0.50 per item
- no charge at teller for withdrawals or transfers
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Member Direct Telephone Banking
Member Direct Line gives you 24 hour a day access to                 
your accounts from any touch tone phone. You can
- check balances
- transfer funds between accounts
- pay all bills that we accept in the office
- start a new term deposit or renew an old one
- withdraw funds and have a cheque mailed to you
- get interest rates and rate calculations
- get general information about products and services
- leave a message for the Credit Union
- have your statement faxed to a specified number
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Term Deposits
Long Term
- 1 to 5 year terms
- minimum $1,000 (then even $100s may be added)
- interest paid monthly to chequing, Plan 24 or Shares

Short Term
- 30, 60, 90 and 180 day terms
- minimum $1,000 (then even $100s may be added)
- interest paid upon maturity to chequing, Plan 24 or Shares
- interest rate guaranteed for length of term
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Travellers Cheques
We offer American Express Travellers Cheques in Canadian and US dollars, and pound sterling. If you are over 60 or have a personal chequing account with us, the service charge is waived at the time of purchase.

Insurance
We offer travel and baggage insurance through CUIS Insurance
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As a member of the Deposit Insurance Corporation of Ontario, each deposit account and RRSP plan is insured up to $100,000