Banking

The everyday accounts. Without the surprise fees.

Three core accounts cover most members. GICs and credit cards round it out. Everything posts to your statement in plain English — no asterisks, no footnotes-to-the-footnotes.

— Accounts —

$0/mo

Member chequing

Unlimited transactions, free Interac e-Transfers, no minimum balance. The everyday account every member starts with.

Unlimited debit & e-Transfers
Free overdraft protection up to $250
ATM rebates at any credit-union ATM in Canada

2.85% APY

Heritage savings

Tiered interest on every dollar. No promo gimmicks, no rate-rollback after 90 days. The rate is the rate.

2.85% on balances up to $250K
No transaction fees
CDIC-equivalent coverage via CUDGC

$8/mo

Small-business chequing

First 50 transactions free each month. Operating-line application built in. Decisions made by your branch, not a national underwriter.

Free deposits up to $5K cash/mo
Online + mobile business banking
Operating line up to $250K (subject to credit)

— GICs —

Predictable interest, RRSP/TFSA-eligible.

Every Prairie Heritage GIC is fully covered by CUDGC (the credit-union deposit insurance corporation) up to applicable limits — same protection you’d expect at a bank.

1 year

Cashable after day 30

4.95%

2 year

4.85%

3 year

4.65%

5 year

4.45%

— Credit cards —

Three cards. One application.

Heritage Cash-Back

Heritage Mastercard

1.5% on everything

Flat-rate cash back, no categories to track. Good for members who hate spreadsheets.

Heritage Travel

Heritage Mastercard

2x points on travel & dining

Points redeemable directly against travel charges, no booking portal required.

Heritage Business

Heritage Mastercard

1% rebate on all spend

Multi-card management for owner-operators. Quarterly statements aggregated for bookkeeping.

Open an account at your nearest branch.

The 4-step member application opens chequing and routes you to a branch rep for any follow-up products.

Become a member →Find a branch