Personal Accounts
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.
To provide an improved user experience, Interac e-Transfer email notifications will have an enhanced look and feel soon. Learn more.
Member alert: Our credit card provider Collabria retired their website MyCardInfo on August 19, 2024. Cardholders are now required to manage their credit card using the CardWise app or website. Learn more.
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Our team can help you choose the right account.
Chequing Accounts
Savings Accounts
Regular Chequing
Overview
Our pay-as-you-go option with our lowest monthly fee, and low rates for the rest of your transactions.
Key features
- Monthly fee: $5.95
- Unlimited in-branch or electronic deposits
- Unlimited free e-transfers
- Unlimited withdrawals at LDCU and EXCHANGE® ATMs
- Access your account in-branch, online, or through mobile banking
- Access your account with your MEMBER CARD® Debit Card
All Electronic Chequing
Overview
Like to live electronically? For members who don’t write cheques or visit the branch often, you can enjoy unlimited online, ATM, and POS transactions with a low monthly fee.
Key features
- Monthly fee: $11.95
- Unlimited chequing and savings accounts
- Unlimited withdrawals at LDCU and EXCHANGE ATMs
- Unlimited Interac® MEMBER CARD® Debit Card (POS) transactions
- Unlimited Online Transactions
- Unlimited free e-transfers
- Access your account in-branch, online, or through mobile banking
- Access your account with your MEMBER CARD Debit Card
MORE Than Chequing™
Overview
Our no fuss, all-inclusive account. With a fixed monthly fee, you’ll love the simplicity of this package!
Key features
- Monthly fee: $24.95
- Unlimited chequing and savings accounts
- Unlimited free cheque transactions
- Unlimited free electronic and in-branch transactions (except bill payment reversals)
- Unlimited free withdrawals at LDCU and EXCHANGE ATMs
- Unlimited free e-transfers
- Free e-statements
- Access your account in-branch, online, or through mobile banking
- Access your account with your MEMBER CARD Debit Card
MORE Than Free Senior Chequing
Overview
This account for members over 60 lets you relax by offering all the banking services you'll need, and more.
Key features
- No monthly fee
- Unlimited chequing and savings accounts
- Unlimited free cheque transactions
- Unlimited free electronic and in-branch transactions (except bill payment reversals)
- Unlimited free withdrawals at LDCU and EXCHANGE ATMs
- Unlimited free e-transfers
- Free e-statements
- Access your account in-branch, online, or through mobile banking
- Access your account with your MEMBER CARD Debit Card
MORE than Free Youth Chequing
Overview
This worry-free account is for students 18-25. You must provide your school schedule annually. Enjoy the freedom and flexibility to accommodate your busy school life, online or in-branch.
Key features
- No monthly fee
- Unlimited chequing and savings accounts
- Unlimited free cheque transactions
- Unlimited free electronic and in branch transactions (except bill payment reversals)
- Unlimited free withdrawals at LDCU and EXCHANGE ATMs
- Unlimited free e-transfers
- Free e-statements
- Access your account in branch, online, or through mobile banking
- Access your account with your MEMBER CARD Debit Card
Estate Package
Overview
A chequing account registered in the name of the estate that can be used to consolidate the Estate's assets during the administration period.
Key features
- 1% admin fee (min $500)
- $24.95/month
- Free deposits
- Consolidate estate assets
- Help executors manage the estate
Foreign Currency
Overview
Foreign chequing accounts for members 18 years of age and over available in USD, Sterling Pound, or Euro.
Key features
- Monthly fee: $7.95
- Sterling and Euro accounts have unlimited transactions
- USD account is pay-per-use
Pay As You Go Plan 24 Savings
Overview
A simple, pay as you go savings account for everyday use.
Key features
- Monthly fee $5.95 unless part of a package account
- In-branch and electronic deposits
- Pre-authorized debits and credits
- Automatic transfers to other savings, chequing, and registered product accounts
- Access your account in-branch, online, or through mobile banking
- Access your account with your MEMBER CARD Debit Card
- Interest is paid monthly and calculated on closing daily balance
High Interest Savings
Overview
A simple, pay as you go savings account for everyday use.
Key features
- Monthly fee $5.95 unless part of a package account
- In-branch and electronic deposits
- Pre-authorized credits
- Automatic transfers to other savings, chequing, and registered product accounts
- Access your account in-branch, online, or through mobile banking
- Interest is paid monthly and calculated on the closing daily balance
USD Savings
Overview
A USD savings account paying 0.125%.
Key features
- Monthly fee: $7.95
- In-branch deposits
- Pre-authorized debits and credits
- Access your account in-branch, online, and through your mobile app
Build wealth for a bright future
Grow your money with Ladysmith & District Credit Union. Explore investments like GICs, RRSPs, RESPs, and TFSAs.
Looking for business accounts?
In addition to personal accounts, we also have chequing and savings accounts to grow your business.
Bank with LDCU
Open an account or safety deposit box, transfer funds across town or around the world, and much more.
