New to Canada?
We’re here to help you get started with confidence. Starting fresh in a new country can feel overwhelming. We offer clear, honest banking advice to help you build credit and get settled in the Annapolis Valley, Nova Scotia.
What is a credit union?
Banking in a new country can be confusing. We're here to explain how things work and help you make choices that fit your new life in Canada.
A credit union is a full-service financial institution offering many of the same services as a bank. Valley Credit Union is a local place where you can do all your everyday banking, save money, get loans, business supports, send money home to loved ones, and apply for a home or commercial mortgage.
The difference is how it’s run. Credit unions are locally based and focused on helping members, not maximizing profits. That means decisions are made with people in mind, and support is often more personal. Credit unions support growth in their local community.
A credit union is a full-service financial institution offering many of the same services as a bank. Valley Credit Union is a local place where you can do all your everyday banking, save money, get loans, business supports, send money home to loved ones, and apply for a home or commercial mortgage.
The difference is how it’s run. Credit unions are locally based and focused on helping members, not maximizing profits. That means decisions are made with people in mind, and support is often more personal. Credit unions support growth in their local community.
At Valley Credit Union, you can:
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Open business and personal accounts and manage everyday banking online
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Build credit in Canada with loans and credit cards
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Apply for mortgages and other lending (personal and business)
- Send money transfers
- Get clear, one-on-one guidance when you have questions
For newcomers, this often means more personal support, easier access to appointments, and clearer explanations as you get settled in Nova Scotia, Canada.
Build Your Canadian Credit Score
A credit card can help you safely make purchases and start building your Canadian credit score. With responsible use and on-time payments, you can strengthen your financial foundation.
Explore our credit card options and book an appointment with us to talk about the right fit for you and your goals.
Thinking about buying your first home?
A mortgage helps you purchase a home and repay it over time. We offer flexible mortgage options and one-on-one advice to help you understand the process, support you while you build credit history in Canada, and feel confident in your next step. Ready to Buy a Home?
Personal & Business Loans
A loan can help you pay for important things, like a home, car, or education. It lets you borrow a set amount of money and pay it back over time in regular, predictable payments. If you need more money later, you can apply for another loan. Our team is here to explain the process clearly and help you choose the option that works best for you. For your business or personal.
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 2026 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.
