Government of Nova Scotia, Canada
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Use the Services Directory to quickly access information on all of the services provided by the NS Department of Finance and Treasury Board.

Credit Unions

Credit Unions are independent member owned financial institutions that provide financial services to most communities in Nova Scotia.  Currently, 28 credit unions operating in 68 communities are incorporated under the Credit Union Act.

All Credit Unions incorporated in the Province are regulated by the Office of the Superintendent of Credit Unions. The Office is responsible for approving the incorporation of credit unions, their by-laws and for the general administration of the Credit Union Act. The Act describes the responsibilities, obligations and powers of credit unions of the Superintendent of Credit Unions and the Credit Union Deposit Insurance Corporation.

The Atlantic Central represents and supports the credit unions in Atlantic Canada. This includes financial services to the credit unions of Nova Scotia, New Brunswick, Prince Edward Island and Newfoundland and Labrador, as well as trade association and support services in Nova Scotia.

The role of the Nova Scotia Credit Union Deposit Insurance Corporation (NSCUDIC) is to provide deposit insurance for credit unions and caisses populaires in Nova Scotia, Canada.

ComplaintsIf a member of the credit union has a concern or complaint with the service or products provided, they should first approach their own credit union to resolve the issue. If this does not satisfy the problem, the credit union system provides an avenue for dispute resolution through the services of an ombudsperson. The ombudsperson seeks a fair resolution and does not advocate for either the complaint or the credit union.

More information on the credit union ombudservice may be found on the Atlantic Central website. 

LinksCredit Union: Incorporation (and Registration)
Atlantic Central
Nova Scotia Credit Union Deposit Insurance Corporation
Credit Union Central of Canada
Canada Deposit Insurance Corporation
Canadian Bankers Association

Publications and LegislationsConsumer Protection Act
Mortgage Brokers and Lenders Registration Act

Credit Unions

Orange ClockFor More Information

William Ngu,
Deputy Superintendent
Tel: 902-424-2787

Direct Deposit Forms
Annual Returns
Annual Report (xls)

Direct Deposit Forms
Quarterly Returns

June (xls)

September (xls)

March (xls)