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!

Peter Campbell is a retired engineer who worked with the Toronto District School Board for many years. Peter began his relationship with PACE when he first started working with the Toronto District School Board as part of a payroll deduction. Both Peter and his wife have been loyal PACE members for over 25 years.

 I feel like a spoiled child with the attention I receive at PACE. I am welcomed by name and they provide me with personal helpful advice. PACE taught me a lot about my finances and how to use a budget. PACE definitely helped me get into a better financial situation.

Peter Campbell

Member Since 1985

In 1974 Marlene purchased a home in the hope to turn it into an income property. After having a successful income property, Marlene next decided to purchase and renovate a 21 unit apartment building. When she went to a traditional bank for a mortgage, she was laughed out for the request. When Marlene asked PACE for the mortgage she was greeted with open arms and was approved. What started out as a dream became reality with the support of PACE. This property allowed Marlene to retire at the age of 39 from General Electric.

Member Since 1969

Marlene Miller

For over 25 years, the Van Kessel family have owned and operated their own business, Chris Van Kessel Masonry. Being self employed masons made it difficult for the Van Kessel’s to get help from other financial institutions.

 Part of what makes PACE great is the branch managers and staff. Whenever I go into PACE, I do not feel rushed or pressured like I have felt at other financial institutions. PACE also goes out of their way to contact their members when changes in their accounts or issues arise personally. They take those extra steps that keep me coming back.

Member Since 1979

Lori Van Kessel

Todd is the proud owner of Moksha Yoga Don Mills. When Todd came into PACE for the first time, he was surprised to learn what PACE had to offer him and his business. He found that PACE could offer better rates and a better financial plan for his business than his previous bank. Todd also likes that Credit Union’s support smaller businesses like his own.

 There is a community based feel to each branch. PACE really cares about my business and its success.

 The best part about PACE is the relationships that I have created. I have always been very impressed with the way that PACE has treated me and my accounts.

Member Since 2009

Todd Canning

Meet A Few Of Our PACE Members

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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 3.10% 2-Year Term Deposits