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More than a bank

Valley Credit Union is cooperatively owned by its members. Explore our local, full-service financial solutions designed to put you and your community first. Proudly serving the Annapolis Valley, Nova Scotia - keeping your money and financial decisions local, right here at home.

For 21 consecutive years, credit unions have ranked #1 in Customer Service Excellence among all Canadian financial institutions1. Proudly supporting our members and communities for over 100 years.
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Balance Transfer Offer

Looking for a better way to manage your credit card debt, but find yourself getting hit with high interest payments every month? Taking a break from interest rates could give you the room you need to get back on track with your financial goals.

Pay 0% on interest for the first 12 months when you transfer your existing credit card balances to a Valley Credit Union Collabria Credit Card for a one-time transfer fee of 3%*. Book an appointment with us today or start your application for a credit card online.

*Terms and conditions apply.

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Banking that feels good.

Whether you're saving, borrowing, or planning for the future, you’ll find friendly support, helpful resources, and products designed with you in mind. It's all part of being an owner. Locals help locals - it is better banking.

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Kickstart Your Child’s Banking!

Take the first step in teaching your child about finances. Open a youth or teen account today to help them build strong habits in saving, spending, giving, and investing
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Business Solutions

Valley CU streamlines your business with modern employer solutions and trusted partners like SONA, offering point-of-sale terminals (POS), payments, e-commerce solutions, and more. Benefit from competitive pricing, reliable local service, and cutting-edge technology – all backed by our trusted partnerships.
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Enjoy the discount you deserve

Groceries. Gas. Costs seem to be on the rise wherever you look. So, don’t miss your opportunity to bring your insurance premiums down. As a member of our credit union, you can save up to 55% when you bundle your home and auto coverage with CUMIS2.
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Bank How You Want

Anytime, anywhere with the Valley CU mobile app! Deposit cheques, pay bills, send money, set up alerts, lock your card, and make secure payments with a tap of your phone. Do your everyday banking on your terms - and feel good about it!
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So Why Not Own Where You Bank?

Make the switch to a credit union - Where you're more than a customer, you're a member and an owner.
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Bank Anywhere

Manage your money on the go with our Valley CU App. Deposit cheques, send e-transfers, or access your accounts anytime, anywhere!
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Support Local - When You Bank Local

Your membership powers community programs and fuels local initiatives, creating lasting impacts where it matters most - here!
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24/7 Access to Cash

It's your money, so access it at over 3,000 ATMs across Canada and walk into any of our Valley CU branches and talk to us!
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$250,000 in Deposit Protection

Our deposit protection insurance is the highest in Nova Scotia, ensuring your money is secure as you grow your financial future.
 
 

Community Corner: Making a Difference Together

At Valley CU, we celebrate the inspiring stories and initiatives that uplift our community. From local volunteers to impactful projects, we invite you to join us in exploring how we can all contribute to positive change. See our impact and find out if your organization qualifies to apply for Community Engegement or Funding Support.
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Your Everyday Banking Makes a Difference - Be Part of Something Bigger

Working at Valley CU is more than just a job. You’ll have the opportunity to make a meaningful difference in your local community, enjoy great staff benefits, and collaborate with a supportive team that cares about each other and our members. Together, we’re making a massive impact!
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Balance Transfer Offer

Looking for a better way to manage your credit card debt, but find yourself getting hit with high interest payments every month? Taking a break from interest rates could give you the room you need to get back on track with your financial goals.

Pay 0% on interest for the first 12 months when you transfer your existing credit card balances to a Valley Credit Union Collabria Credit Card for a one-time transfer fee of 3%*. Book an appointment with us today or start your application for a credit card online.

*Terms and conditions apply.

See Offer, opens in a new tab
 
1 The Ipsos 2025 Financial Service Excellence Awards are derived from the combined program year results of quarterly Customer Service Index (CSI) surveys ending September 2025. Sample size for the total 2025 CSI program year was 47,969 completed surveys yielding 71,002 institution ratings. The CSI survey has been conducted since 1987.

2Terms and conditions apply. To contact CUMIS, please visit www-cumis.cooperators.ca or call 1-800-263-9120. Home and Auto insurance are underwritten by CUMIS General Insurance Company and administered by Cooperators General Insurance Company. Not all products are available in all provinces. This material is provided for informational purposes only. Please refer to your policy for applicable coverage details, limitations, and exclusions. CUMIS General Insurance Company and Co-operators General Insurance Company are committed to protecting the privacy, confidentiality, accuracy and security of the personal information that we collect, use, retain and disclose in the course of conducting our business. Please refer to our privacy policy for more information. CUMIS® is a registered trademark of The CUMIS Group Limited and is used with permission. © 2025 CUMIS General Insurance Company.

 

News from Valley CU

Research to better serve you

We're Conducting a Survey

Starting the week of Aug 25th, you may be contacted to provide your feedback on our services. Connect with your branch directly if you have any questions.
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Banking That Goes Further

Local banking makes a difference, and your credit union is here to help you choose what suits your financial needs best - from everyday banking to estate planning.
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Honouring Roots, Embracing the Future!

Introducing Our New Look!

BIG NEWS! Our new logo is here - symbolizing our commitment to community, values, and putting our members at the "heart" of everything we do.
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Valley CU

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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.

 
Transit/Branch #12633
Institution #839 
Routing #083912633 
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