Rates
Let your money do the work for you with great rates.
Let your money do the work for you with great rates.
There's more to a credit union than just banking.

We know that strong financial literacy is key to making informed decisions about money.
We offer industry leading business account rates.
Connect with our Business Banking team

Located at 45 King Street East in Hamilton.
Meet our Wealth Team
Our wealth advisors are here to provide expert guidance and support.

We know that strong financial literacy is key to making informed decisions about money.

We know that strong financial literacy is key to making informed decisions about money.

In January 2024, we conducted a comprehensive assessment to identify and prioritize the environmental, social, and governance (ESG) topics that are most significant to our organization and interested parties.
We partnered with an external consultant who guided us through the process. This process provided a well-rounded perspective on ESG topics that are important to our organization's stability, growth, and community engagement.
We used guidance from Globally recognized ESG Standards to help us focus on the ESG topics that are most relevant to our organization and the community we serve.
We evaluated the potential effects of various ESG topics on our financial success and overall strategy.
We analyzed our strengths and weaknesses, as well as the opportunities and challenges we face.
We examined broader social trends and industry movements to understand how they impact the ESG topics we care about.
We reached out to members, employees, and community partners to hear their thoughts and concerns regarding key ESG topics.
Our senior management team and Board members discussed the findings to understand their strategic significance.
The assessment identified nine ESG topics, which hold importance for our organization and communities. These topics are:
Environmental
Environmental
Environmental
Social
Social
Social
Governance
Governance
Governance
After reviewing all the topics and the information we collected, we found three main topics are particularly significant to employees, members, and our organization. These topics will guide our commitment to ESG, helping us work towards a sustainable future.
We are dedicated to understanding our impact on climate change and are actively working to monitor and reduce our greenhouse gas emissions in a careful and effective way. We believe that collaboration is necessary to enhance our efforts toward environmental responsibility . By considering the environment in our decision-making, we become more adaptable and strengthen our commitment to the well-being of our community.
We recognize the importance of financial literacy, especially for underserved community members. By supporting financial education, we strive to enhance financial empowerment and provide the knowledge necessary for informed decision-making and greater economic stability.
We believe in the importance of fair economic growth that benefits everyone. Our goal is to maintain high standards that reflect our values and support our communities. We strive to enhance our engagement with employees, prioritize local purchasing, and support small businesses , as we believe this fosters growth and resilience in our neighbourhoods.
We are working to cut down on waste and pollution. One way we’re doing this is by using fewer paper statements and finding new uses for old office furniture. We will keep searching for more ways to reduce waste and show our commitment to taking care of the environment.
While our direct impact on local wildlife and ecosystems is minimal, we are dedicated to understanding these effects and the connections within nature. Our goal is to enhance our practices to further reduce any negative impacts we may have on local biodiversity and habitats.
We aim to foster a workplace where everyone feels valued and respected. By creating an environment where all individuals feel they belong, we enhance creativity, support diverse leadership, provide equal growth opportunities, and encourage open communication to build a culture of acceptance.
Through donations and our "Blue Wave" employee volunteer program, we contribute to food security, affordable and sustainable housing, and youth health and wellness prioritizing the well-being of the communities we serve.
Protecting member data and ensuring privacy are core to our cooperative values, and we are committed to maintaining robust systems in this area.
As a financial cooperative, member engagement is a priority. It reflects our values and fosters meaningful connections with our members, ensuring their voices and needs shape our organization. We adhere to a Market Conduct Code that guides our practices.
These efforts create a foundation where every individual has the opportunity to thrive and actively engage in our community while strengthening local economies. Through these efforts, we aim to create a positive impact on both individuals and the neighborhoods in which we operate.
Right now, we’re focused on aligning our organization with ESG principles. This requires teamwork across all levels of the organization and involves putting these principles into our daily work and long-term planning. Here’s what we’re working on.
We want to make sure everyone knows our five-year goals for ESG. It’s important that everyone understands where we’re headed and how these goals align with our credit union’s mission and success.
We aim to engage our staff by addressing their questions and encouraging activities that promote small, meaningful changes. These can lead to significant improvements over time.
We understand that incorporating ESG principles into how we do business won’t happen overnight. This will take careful planning and time, so we’re committed to supporting a gradual process that makes these principles a fundamental part of our operations.
Choose FirstOntario Credit Union and discover the power of a community-driven financial institution.
Privacy and security • Legal • Accessibility statement • Market Conduct Code • View all online policies • Site map
FirstOntario Credit Union © Copyright 2025