Deposit Insurance

As an Ontario Credit Union, we are regulated by The Deposit Insurance Corporation of Ontario (DICO).
DICO also insures your deposits in Ontario credit unions.

As of January 1st, 2018, all deposits held in non-registered accounts in Canadian currency payable in Canada are covered up to $250,000.

  • Insurable deposits held in registered accounts continue to be FULLY (100%) insured.

What is covered under the $250,000 and is considered an insurable deposit:

  • Savings and chequing accounts
  • Term deposits
  • Money Orders
  • Funds in transit
  • Index-linked deposits (principle portion only)

What has unlimited coverage:

  • Registered savings plans like RRSPs, RRIFs and RESPs
  • Tax Free Savings Accounts

Separate coverage is provided for insurable deposits held in:

  • Join Accounts
  • Trust Accounts

For further information on deposit insurance, please ask for a brochure at the credit union or visit DICO's website at

DICO Brochure 2018 (PDF)



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