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Group of People Standing Together on Set

Market Conduct Code

Credit unions are unique institutions

Operating in Canada for over 100 years, credit unions are financial cooperatives that are governed and financed differently than banks.

At credit unions, members are shareholders. Being a member means having a voice in the direction of the credit union and sharing in its success.

Our members are at the heart of everything we do. We are committed to providing quality products and services to our members and ensuring they are completely satisfied with the level of service they receive.

The code recognizes the best practice principles we pledge to follow for soliciting, promoting, advertising, marketing, selling or distributing our products or services. The code demonstrates our commitment to the fair treatment of everyone who uses our services.

Our best practices can be summarized in five key principles:

Group of People Connected

Business practices

We provide fair treatment to members using our products and services. It’s a core component of our governance and corporate culture.


Transparency and disclosure

We use plain-language descriptions of products and services in our communications to ensure people make informed decisions.

Two People Shaking Hands

Fair treatment and fair sales

We treat members fairly and demonstrate fair sales practices at all times. These are integral parts of our business practices.

Two Speech Bubbles

Complaint handling

We examine complaints and work to settle them fairly, and we track complaints to help ensure our practices continue to improve.

Cheque and Pen

Access to banking services

We ensure all members are granted access to fundamental financial services.