Skip to main content

Legal Documents & Information

This Direct Services Agreement outlines the terms and conditions governing the Depositor’s use of Direct Services. The Financial Institution does not offer Direct Services other than in accordance with these terms and conditions. By requesting and using Direct Services, the Depositor acknowledges their acceptance of these terms and conditions.

In consideration of the Financial Institution providing access to any of the Depositor’s Accounts using Direct Services, the Depositor agrees to the following agreement:

Personal Direct Services Agreement >
Small Business Direct Services Agreement >

All content of this site is the property of Northern Savings Credit Union unless otherwise noted. Any downloading of text or graphics for purposes other than personal use is prohibited unless first authorized in writing by Northern Savings Credit Union.

All features and rates quoted throughout this site are subject to change without notice and market fluctuations. The information supplied within this site is for our members' use only and does not constitute an offer or contract. It is advised to contact the branch nearest you for all final details including up to the minute features and rate information.

Although we strive for accuracy, timeliness and completeness, rates and information quoted are not guaranteed and are subject to change at any time. In using the Northern Savings Credit Union Website you acknowledge that:
  • The information which may be provided on the Northern Savings Credit Union Website is for informational purposes only and is not intended to provide specific financial, tax, accounting or legal advice;
  • While Northern Savings Credit Union believes the information contained on the Website to be correct and attempts to keep the information current, Northern Savings Credit Union does not warrant the accuracy or completeness of any such information and expressly disclaims any liability for errors or omissions in this information;
  • Any links to other websites are provided for convenience only and no endorsement of any third party products or services is expressed or implied by any information referred to or linked from or to the Northern Savings Credit Union Website;
  • Northern Savings Credit Union does not represent or warrant that the services provided through the Northern Savings Credit Union Website will be uninterrupted or error free, that defects will be corrected or that the Website or the server that makes it available are free of viruses or other harmful components;
  • Northern Savings Credit Union recommends that our Website visitors install, update and use an anti-virus program whenever the Northern Savings Credit Union Website is accessed. Northern Savings Credit Union also recommends that the Website visitor establish a data backup and recovery process to protect data from any loss or damage; and
  • In no event will Northern Savings Credit Union or any of its affiliates be liable to the Website visitor or any third party for any loss or damage of any sort (including destruction or loss of data, software or hardware) whether arising in contract, tort or otherwise, caused by or arising in connection with the use of this website.
At Northern Savings, your deposits are 100% protected by the Credit Union Deposit Insurance Corporation of British Columbia (CUDIC).

Learn more >
Credit unions are unique institutions. Operating in Canada for over 100 years, credit unions are financial cooperatives that are governed and financed differently than banks. At credit unions, members are shareholders. Being a member means sharing in the credit union’s success. Our primary motivation is providing quality products and services to our members. We are committed to ensuring that our members are completely satisfied with the level of services they receive.

This is our Market Conduct Code.

The Code recognizes the best practice principles we pledge to follow for soliciting, promoting, advertising, marketing, selling or distributing our products or services. The Code demonstrates our commitment to the fair treatment of all those who use our services. We believe in fair sales practices, comprehensive access to banking services, transparency and openness, and a reasonable approach to settling complaints. Individuals are entitled to the best possible care of their financial interests. We respect all our provincial regulatory obligations, and continually practice absolute excellence in consumer protection.

Our best practices can be summarized in five key principles:

Business Practices: We are committed to providing fair treatment to everyone who uses our products and services.

Fair Treatment and Fair Sales: We treat our credit union members and customers fairly and demonstrate fair sales practices at all times — this is an integral part of our business practices.

Access to Banking Services:
 We ensure that all members and customers are granted access to fundamental financial services.

Transparency and Disclosure:
 We use plain-language descriptions of products and services in our communications to ensure you can make informed decisions.

Complaint Handling:
 We examine complaints and work to settle them fairly, and we track complaints to help ensure our practices continue to improve.

Read our complete Market Conduct Code >
With your consent, Northern Savings Credit Union may use and/or disclose your personal information to determine your suitability and eligibility for products, services, and community events and to market such products, services, and community activities to you, or the third party for whom you may be acting for, by providing information by any means including mail, electronic message, or in person. Northern Savings Credit Union may disclose your information to market research firms for the purposes of analysis and/or conducting surveys.

You may withdraw your consent for marketing purposes. By opting-out from one account, you are opting-out for all your Northern Savings accounts, including joint accounts where you are the primary account holder.

Your marketing consent can be changed at any time.

Please visit any of our branches or email us at if you wish to opt-in or opt-out of receiving Northern Savings marketing communications.

Privacy Officer

Our Privacy Officer oversees the protection of personal information in compliance with the BC Financial Institutions Act, the BC Personal Information Protection Act, and our privacy policies and practices.


We appreciate the opportunity to address any concerns you have. If you have a problem or complaint, we encourage you to contact us immediately.

Neighbours Helping Neighbours.

Select Icon
See contact options
Select Icon
Fill out contact form
Select Icon
Find a branch