Products and Services

Ladysmith & District Credit Union is pleased to offer a wide variety of products and services designed to ensure we meet all your financial needs. At Ladysmith & District Credit Union, deposits are guaranteed by the Credit Union Deposit Insurance Corporation of British Columbia (CUDIC), up to the limits prescribed by the Financial Institutions Act.


From high interest savings to basic chequing accounts, whether at home or on the road, our wide variety of banking solutions are designed to meet your needs and include: internet banking, mobile banking, mobile web, ATMs and foreign currency accounts. We also offer safety deposit boxes, wire transfers, foreign currency exchange, night deposit and coverdraft.


Our loans are designed to help meet all of your financial needs from purchasing your first car, buying your dream home, funding your retirement or getting that well deserved vacation.


We provide knowledgeable, innovative insurance solutions and unparalleled claim service for home, vehicle, marine, travel and loans. We take pride in being Ladysmith's only motor vehicle branch.


We offer a wide array of investment products and services including term deposits, RRSPs, RESPs, RRIFs, TFSAs and Financial Planning. You will find our deposit rates very competitive, and with your deposits guaranteed by the CUDIC, you know your money is safe with us.

Service Fees

An important benefit to being a member of the Ladysmith & District Credit Union is that most of our service fees are lower than those charged by other financial institutions. We regularly compare our charges to those of our local competitors to ensure we provide the best value for our members.