O.A.C. Rate subject to change. No purchase necessary. Some conditions apply.

Not A Member Yet? Here's 6 Reasons To Join PACE Credit Union

Great Service At Competitive Rates

We don’t have shareholders to answer to. All profits are used to reward you, our owners. This means we can offer superior solutions and service at low rates.

Our boss isn’t the share price, it’s you. So we won’t gouge you with sneaky extra fees.

No Nickel & Diming

You’ll have access to 15 branches in Ontario, over 3,300 ATMs across Ontario, Canada and online banking 24/7.


You’re the boss and your time is valuable. We work on avoiding the long, bureaucratic process that some bank head offices demand.

Easier Process

PACE has the ability to offer more options and greater flexibility than traditional banks because of our smaller size and, as a result, we provide more personal service to accommodate each of our member’s unique needs and circumstances.

Greater Flexibility

We don’t have a structured credit scoring system. We get to know you and your unique financial history. If you had a major illness or a divorce it won’t count against you.

You Are More Than a Score

Call 1.877.588.7223 Today!

Maximize Your Savings With an RRSP and TFSA

Invest your money into an RRSP account and take advantage of incredible tax savings! Don't forget you can also invest your money into a TFSA account at any time.

  • RRSPs are a tax-deductible method of saving for retirement with substantial tax-deferred benefits.
  • There are a variety of investment options available including mutual funds, term deposits and more.
  • Up to $25,000 can be withdrawn by first time home buyers.
  • Up to $20,000 can be withdrawn for full-time or part-time education or training expenses under the government’s Lifelong Learning Plan (LLP).
  • Partner your RRSPs with a TFSA and increase you tax-sheltered earning power.
  • Use your TFSA funds for whatever you want: a new car, home renovations, a small business startup, a vacation - it's up to you.
  • There are a variety of investment options available including mutual funds, term deposits and more.
  • Talk to us about opening a Tax Free Savings Account if you are 18 or over and have a valid Social Insurance Number.
  • Open your TFSA today and start earning tax-free income right away.
  • Partner your RRSPs with a TFSA and increase you tax-sheltered earning power.

What is a RRSP?

What is a TFSA?

Calculate My Retirement

Membership With PACE Means a Full Range of Investment Options and Free Financial Planning Advice

Making investment decisions has never been more challenging. Volatile markets and low interest rates have made it difficult to grow your portfolio. PACE can help you diversify and balance your investments with the help of our dedicated Wealth Management team. Whether you need retirement planning, tax planning, or any other investment advice, PACE has the expertise and the opportunities to help you meet your goals.

  • PACE members have access to a variety of plans and free financial planning advice.
  • Our members have access to 2700 different Mutual Funds.
  • We also offer Term Deposits, a higher interest alternative to regular savings accounts.

Tax Free Saving Accounts can be used to hold a variety of investments and can be withdrawn at any time, tax-free.

Registered Retirement Savings Plans offer immediate tax benefits and can be withdrawn for your first home purchase, for education or at retirement.

Do you know how much you should be saving for your retirement?

Calculate My Savings

Do you know how much you can save with your TFSA?

At PACE Credit Union, all of our members are part owners. As a member, we are just as dedicated to helping you succeed now as we are for your retirement. We offer complimentary financial planning advice to all of our members and access to a variety of plans that address retirement, post-retirement, education and more.

Term Deposits can be a great complement to your portfolio, particularly if investing in lower risk alternatives with guaranteed returns are where you feel most comfortable. Maximize your returns by pairing your term deposit with the tax saving benefits of a TFSA or RRSP.

We know that when it comes to your finances, you want the greatest reward attached to the lowest possible risk. Since PACE Credit Union is entirely owned by our members, it’s within our mandate to do everything we can to give you the best returns possible on your investments.

Now Offering 2.65% 18 Month Term Deposits

 I have been a member since 1976 and have never been disappointed by the service I received - personable, personalized, and responsive.  I have had many disappointments with banks over the years - CIBC and BMO - and switched all of my financial needs as a result.  Never regretted the move.

Collette Dowhaniuk

Member Since 1976

PACE Credit Union staff are always friendly and helpful.  They take the time to understand your concern and it gets solved right away.  I highly recommend anyone banking with them. They pay decent interest rates too! Better than any bank!

PACE Credit Union Member

Fran Raymond

Meet A Few Of Our PACE Members

I always enjoy going into this branch. I know I will always get efficient & professional service & advice. I love being treated like one of the family. I have been with Pace for over 20 years & plan to stay.

PACE Credit Union Member

Lea Mclean

 Any questions or concerns I have, someone is ready to assist and help for the best possible outcome. Highly recommend Pace for ones “banking” needs!

Diana S

PACE Credit Union Member

Book An AppointmentApply Online