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.

At FirstOntario, we believe that building a strong financial future goes hand-in-hand with caring for the environment. That's why we're committed to reducing our environmental impact and helping our members do the same. Together, we can create meaningful change today and for generations to come.
Climate change is one of the most significant challenges of our time. Since the 2015 Paris Agreement, countries, businesses, and individuals have been working together to limit global warming to 1.5°C above pre-industrial levels. Success requires a collective effort. Governments, companies, and communities all have a role to play, and FirstOntario is proud to be part of this global movement.
A carbon footprint is the total amount of greenhouse gas emissions created by the daily choices we make—from how you heat your home to how you bank. Every small decision can add up to meaningful change. Simple changes can contribute directly to a healthier planet.
Let's explore how your financial choices can help you achieve your goals while supporting a cleaner, more sustainable future. Select each tab below to learn more.
Your investments can help support a more sustainable world. Through our partnership with Aviso Wealth, FirstOntario offers responsible investment options that consider environmental, social, and governance (ESG) factors. These investments back companies working toward a low-carbon future.
Discover how NEI Investments incorporates climate leadership into its portfolio strategies.
From small fixes to major upgrades, improving your home's energy efficiency reduces emissions and saves you money. Whether you're a new homeowner, renter, or experienced renovator, every change counts.
Save energy one bulb at a time.
LED bulbs use up to 90% less energy and last longer than traditional bulbs – a simple swap that adds up to big savings.
Keep the heat in and the cold out.
Sealing cracks around windows, doors, and foundations can lower heating and cooling bills and improve comfort year-round.
Stay cozy and save.
Adding insulation to attics, walls, or basements can dramatically cut energy use, keeping your home warmer in winter and cooler in summer.
Smarter control, smarter savings.
Smart thermostats automatically adapt to your lifestyle, optimizing heating and cooling. Many utility companies offer rebates for installation.
Make every watt count.
Look for ENERGY STAR® certified appliances when upgrading. They use less energy and water without compromising performance.
Nature's own air conditioner.
Strategically planted trees can lower surrounding air temperatures and reduce cooling costs by up to 25%.
Brighten your home and cut energy use.
Maximize daylight and use windows for natural cooling when weather allows. Small changes can reduce electricity use and lower your energy bills.
Power your home with cleaner energy.
Consider installing solar panels or enrolling in a renewable energy program through your utility provider.
Stretch your budget further.
When you invest in your home's energy efficiency, several programs can help reduce your costs.
With our MeritLine home equity line of credit, use your home equity as security to lock in our lowest rate.
Your choices matter. Climate change affects us all, and FirstOntario is committed to reducing our environmental impact while supporting our members in doing the same. By working together, we can create a sustainable future for everyone.
Members with the FirstOntario Premium Unlimited plan have access to free home referral services with our Benefits1 Bundle.
Mutual funds and other securities are offered through Aviso Wealth, a division of Aviso Financial Inc. NEI Investments is a registered trademark of Northwest & Ethical Investments L.P. ("NEI LP"). Northwest & Ethical Investments Inc. is the general partner of NEI LP and a wholly owned subsidiary of Aviso Wealth Inc. ("Aviso"). Aviso is the sole limited partner of NEI LP and a wholly owned subsidiary of Aviso Wealth LP, which is owned 50% by Desjardins Financial Holding Inc. and 50% by a limited partnership of the five Provincial Credit Union Centrals and The CUMIS Group Limited.
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