Notice to Members: Our banking system will be undergoing maintenance from approximately 1:00 AM to 8:00 AM Sunday, September 27th. 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.

View Holiday Hours

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

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

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Investment Options

Build a nest egg to reach your goals

Explore our range of investment options to secure your future.

Guaranteed Term Deposits

Term Deposit

Flexible, secure, and competitive investments with the certainty of guaranteed returns

Index-Linked Term Deposit

Unlimited earning potential with zero risk to your principal investment

Registered Plans

RESP

Let your child's savings grow tax-free until they are ready for post-secondary education

TFSA

Earn tax-free investment income on your savings

RRSP

Save for retirement with a Registered Retirement Savings Plan

RRIF

A Registered Retirement Income Fund offers complete flexibility, while allowing your savings to remain tax sheltered and under your personal control

Ready to invest?

Our friendly and knowledgeable investment specialists are happy to help.

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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.

Commercial lending

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.