Strong PAC & PAC Reset is coming July 6. Learn more.

RESOLVED - Online Banking Outage: Our service provider has resolved the issues we were experiencing after going live with Strong PAC and PAC Reset. If you experience any issues, please refer to Strong PAC FAQs for guidance.

Notice to Members: Our banking system will be undergoing maintenance from approximately 9:00 PM Thursday, June 25th to 1:00 AM Friday, June 26th and from 1:00 AM to 8:00 AM Sunday, June 28th. We anticipate ATM, Interac Debit (POS) transactions and Online Banking to be impacted intermittently throughout the maintenance window. We appreciate your patience during this scheduled update.

New Online Banking Security Features Are Here!

Strong PAC and PAC Reset are now available, providing enhanced security and a simpler way to reset your PAC when needed. Learn more about these updates and how they may affect your Online Banking experience on our Strong PAC page.

For Small Business members, please refer to the Small Business and Delegate FAQs for instructions on updating consolidated accounts and other important information.

New Credit Union Hours starting August 1, 2026. Learn More

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Credit Cards

Are you looking to collect points? Maybe celebrate a low interest rate with no annual fee? Whatever your preference, we have the perfect card for you.

 

Explore our range of credit cards below, or login to manage your card.

 
 
 

No Fee & Low Fee Cards

 
  • Lost/Stolen Card Reporting
  • Emergency Cash Advance
  • Emergency Card Replacement Service
  • Zero Liability
  • 90 days purchase protection and double the manufacturer's warranty (maximum 1 year)
 

Cash Back Mastercard®

Earn cash rewards for everyday purchases.

Classic Mastercard®

Credit card convenience. Simple, easy and smart.

 

Travel Cards

 
  • Auto rental collision/loss insurance

  • Emergency health care coverage up to age 75

  • Trip cancellation insurance up to $2,000

  • Trip interruption insurance (unlimited)

  • Lost or delayed baggage coverage

  • $1,000,000 Common Carrier Accident Protection

  • 24/7 Travel Assistance

 

US Dollar Mastercard®

Carry the card that's as rewarding as your US travel.

Travel Rewards Gold Mastercard®

Your on-the-go travel companion.

World Mastercard®

A wide world of privileges.

 

Low Rate Card

 
  • Lost/Stolen Card Reporting
  • Emergency Cash Advance
  • Emergency Card Replacement Service
  • Zero Liability
  • 90 days purchase protection and double the manufacturer's warranty (maximum 1 year)
 

Centra Gold Mastercard®

A perfect balance of premium rewards and low rates.

 

Business Cards

 
  • Lost/Stolen Card Reporting
  • Emergency Cash Advance
  • Emergency Card Replacement Service
  • Zero Liability
  • 90 days purchase protection and double the manufacturer's warranty (maximum 1 year)
 

No Fee Cash Back Business Mastercard®

The smart way to make the most of your company's purchases.

Low Rate Business Mastercard®

The practical solution for business purchases.

World Elite® Business Mastercard

Embrace excellence and experience elite benefits for your business.

The Ladysmith Credit Union Mastercard is issued by Collabria Financial Services Inc. pursuant to a license from Mastercard International Incorporated. Mastercard and the Mastercard Brand Mark are registered trademarks of Mastercard International Incorporated.
 

Need help getting set up?

Don't hesitate to reach out! Our team will be happy to help you access any of our banking tools.

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Start to build your business

Explore Ladysmith & District’s Credit Union borrowing options for businesses including lines of credit and commercial mortgages.

Get a personalized financial check up

Our experts will help you take control of your finances with genuine, actionable advice on how to maximize your money.

Bank with LDCU

Open an account or safety deposit box, transfer funds across town or around the world, and much more.