Let’s Build Your Financial Future Together!
Open an Account Today!
Start your application online anytime, from your desktop, tablet, or smartphone. Can’t finish it today? No problem! Save your progress with your Application ID and pick up where you left off.
What You’ll Need
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Personal Information: Please bring a valid government-issued photo ID, proof of address, your employment details such as recent pay stubs, and your contact information; your SIN may also be required.
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Financial Information: To save time, bring your two most recent full tax returns, as CRA Notices of Assessment don’t always provide all the information we need. If you’re discussing a mortgage, please also bring proof of your down payment.
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Identification: A recent utility bill, a bank statement, or credit card statement for verification.
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Member Share ($5.00): A one-time deposit to join our member-owned credit union and will stay on deposit for as long as you are a member.
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Joint Account Info (if applicable): Details for both applicants, including proof of income or assets.
Already a member? Your process is even faster - Use your Member Number and PAC to pre-fill your application. Questions or looking to set-up an appointment at a branch to discuss in more detail? Call or contact us.
Use our quick guide to help you prepare for your upcoming appointment. Know what to bring, what questions we may ask. Don't forget to bring your smartphone so we can help you get setup for Online Banking with our mobile app!
Why Choose Valley Credit Union?
Discover a better way to manage your finances with a full-service, local financial institution dedicated to serving your needs. As a member-owner of Valley CU, you’ll gain access to personalized service, innovative solutions, and a complete range of financial products to meet your everyday banking and future planning needs. With 7 branches, over 11,000 members, and $225 million in assets, we’re committed to helping you achieve your financial goals.
Personalized Service
Credit unions rank first in customer satisfaction across Canadian financial institutions. Financial advice isn't one-size-fits-all, we’re committed to understanding your unique needs and providing personalized services and resources to help you reach your financial goals. Our membership structure ensures that our primary focus is on you, the member. OUR MISSION: To help people live better lives.
Local Focus
We’re committed to where we live – it’s why we exist! Decisions are made locally and, when you bank here, your money stays here in your community. Valley Credit Union is passionate about supporting local initiatives and giving back. With 7 branches, over 11,000 members, and approximately $225 million in assets, we’re here to help you achieve your financial goals while supporting the local community we love.
Comprehensive Services
We offer a full suite of competitive financial products and services, from everyday banking to long-term financial planning. In addition to great banking, we believe in putting our members and communities first. We're more than a bank - we're here to help and keep it simple.
Fairness and Trust
We believe in treating our members fairly, equitably, and building your trust as a financial partner. As a member-owned cooperative, you can trust that we're making decisions with your best interests in mind. Our priority is understanding and serving your needs, not maximizing profits for shareholders.
Ready to Experience the Credit Union Difference?
Invest in your future and your community. Become a member-owner today!
“I have been a member for a long time and the staff are very helpful. It is a pleasure to get to know them!”
Doing Good - Giving Back
We’re part of the community. As a local credit union, the decisions we make directly support our members and the places we live, work, and play. When we succeed, our communities succeed. When profits stay here and are reinvested locally - we become stronger.
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Head Office Contact Information
Main Telephone Number: 902-538-4510 or Toll Free 1-866-990-4044
Valley Credit Union Limited 5682 Hwy 1, Waterville Nova Scotia B0P 1V0
Valley Credit Union Limited (Valley CU) is a member of the Nova Scotia Credit Union Deposit Insurance Corporation (CUDIC), which at $250,000, provides the highest deposit insurance protection in Nova Scotia, Canada. Mortgage License #3000173
© Copyright 2025 Valley Credit Union Ltd. All rights reserved. Serving members in the Nova Scotia Western Zone or Annapolis Valley Region, including but not limited to Annapolis County, Kings County, and Hantsport in West Hants County.
® / ™ Trademarks are owned by, or use is authorized by, the Canadian Credit Union Association and Atlantic Central.
