Canada Day closure

Please note that we will be closed on July 1 to celebrate Canada Day. Online/mobile banking will be available.

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Credit cards

Earn rewards on everyday spending

Wherever life takes you, our credit cards are ready to go. Earn rewards and make the most of every purchase.

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Three Creative Arts Financial Visa credit cards stacked diagonally, featuring Visa Infinite in black, Centra Gold in gold, and Cash Back in white.

Take advantage of these fantastic offers

Ends June 30

Rewards for everyday life

Get a $120 first year fee rebate + bonus. Flex Rewards points worth up to $100 in cash value.†

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Ends June 30

0% on balance transfers

Pay 0% interest for the first 12 months when you transfer your existing credit card balances.†

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Browse our credit cards

Student smiling in hallway holding backpack straps

Cash Back Visa* Card

Earn cash back on everyday purchases. With no annual fee, it’s an easy way to keep more money in your pocket.

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Visa* Classic Card

Keep things simple with a low interest rate, low fee, and reliable mobile device insurance you can count on.

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Student smiling in hallway holding backpack straps

Centra Visa* Gold Card

Earn flexible reward points on everyday purchases with a low annual fee and a low, competitive interest rate.

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Cash Back Visa Infinite* Card

Premium cash back on everyday spending, plus coverage and travel benefits.

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Student smiling in hallway holding backpack straps

Visa Infinite* Card

Earn generous reward points and enjoy premium travel benefits and valuable insurance protection.

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U.S. Dollar Visa* Card

Avoid foreign transaction fees and earn reward points when you visit the U.S. or shop with U.S. companies online.

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Benefits that go further

Make your purchases more rewarding with flexible, practical benefits built into our credit cards.

Flex Rewards

Use your rewards on gift cards, travel, and entertainment, or even to cover recent card charges on your account.†

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Auto rental benefits

Get up to 25% off and several other advantages when you use your credit card to rent a car at Hertz, Thrifty, and Dollar.†

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Valuable protection

Eligible cards include travel emergency health care coverage, trip cancellation, purchase protection, and more.†

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Mobile wallet

Keep your eligible credit card in a digital wallet on your mobile device and pay for purchases securely with a simple tap.†

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Receive an annual fee rebate

Pair your credit card with our Premium or Premium Unlimited chequing accounts.

Need help choosing a credit card?

Use the Card Picker tool to find the credit card that is right for you.

Choose your credit card and apply today to get more value from your everyday spending.

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Terms and conditions

Credit cards are issued by Collabria Financial Services Inc. under license from Visa Int.

† Terms and conditions apply. Visit the Collabria website for more details.

* Trademark of Visa Int., used under license.

Open a business account

If you’re new to Creative Arts Financial, book a virtual appointment to get started on your membership application.

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Already a member? Contact us to open a new account.

Become a business member

If you’re new to Creative Arts Financial, book a virtual appointment to get started on your membership application.

Book an appointment

You can also apply online through our self‑serve platform, powered by FirstOntario Credit Union. Select Creative Arts in the Preferred branch drop‑down.

Become a member

If you’re new to Creative Arts Financial, book a virtual appointment or complete your membership application online.

Book an appointment
Business U.S. Dollar Investment Savings account

Balance
Rate*

Balance

All balances
Rate*

0.20%
* Per annum rate. Rate and terms subject to change without notice. Conditions apply.
Business Savings account

Balance
Rate*

Balance

$0 – $100,000.00
Rate*

1.55%

Balance

$100,000.01 – $250,000.00
Rate*

1.60%

Balance

$250,000.01 – $500,000.00
Rate*

1.70%

Balance

$500,000.01 – $750,000.00
Rate*

1.80%

Balance

$750,000.01 – $1,000,000.00
Rate*

1.90%

Balance

$1,000,000.01 – $2,500,000.00
Rate*

2.00%

Balance

$2,500,000.01+
Rate*

2.10%
* Per annum rate. Rate and terms subject to change without notice. Conditions apply.

Open an account

If you’re new to Creative Arts Financial, book a virtual appointment or complete your membership application online.

Book an appointment

Already a member? Log in to online banking.

Creative Arts Financial is closed on the following days

Wednesday, July 1, 2026 Canada Day
Monday, August 3, 2026 Civic Holiday
Monday, September 7, 2026 Labour Day
Wednesday, September 30, 2026 National Day for Truth and Reconciliation*
Monday, October 12, 2026 Thanksgiving Day
Wednesday, November 11, 2026 Remembrance Day*
Thursday, December 24, 2026 Christmas Eve**
Friday, December 25, 2026 Christmas Day
Monday, December 28, 2026 Observation of Boxing Day*
Thursday, December 31, 2026 New Year's Eve**
Friday, January 1, 2027 New Year's Day 2027
* Member Service Centre, Member Solutions Team and Personal Assisted Tellers will be available from 8 a.m. to 5 p.m. ** On December 24 and December 31, branches will close at 1 p.m. Our Member Service Centre and Personal Assisted Teller services will be available from 7 a.m. to 4 p.m. and the Member Solutions Team can be reached from 8 a.m. to 4 p.m.
U.S. Dollar Investment Savings account

Balance
Rate*

Balance

All balances
Rate*

0.15%
* Per annum rate. Rate and terms subject to change without notice. Conditions apply.
Daily Interest Savings account for seniors (60+)

Balance
Rate*

Balance

$0 – $1,000.00
Rate*

0.05%

Balance

$1,000.01 – $5,000.00
Rate*

0.05%

Balance

$5,000.01 – $10,000.00
Rate*

0.05%

Balance

$10,000.01+
Rate*

0.05%
* Per annum rate. Rate and terms subject to change without notice. Conditions apply.
Investment Savings account

Account options
Rate*

Account options

Non-registered savings
Rate*

0.30%

Account options

TFSA investment savings
Rate*

0.60%

Account options

FHSA investment savings
Rate*

3.20%

Account options

RRSP investment savings
Rate*

0.05%

Account options

RRIF investment savings
Rate*

0.05%
* Per annum rate. Rate and terms subject to change without notice. Conditions apply.
Daily Interest Savings account

Balance
Rate*

Balance

$0 – $1,000.00
Rate*

0.05%

Balance

$1,000.01 – $5,000.00
Rate*

0.05%

Balance

$5,000.01 – $10,000.00
Rate*

0.05%

Balance

$10,000.01+
Rate*

0.05%
* Per annum rate. Rate and terms subject to change without notice. Conditions apply.
High Interest eSavings account

Balance
Rate*

Balance

$0 – $100,000.00
Rate*

0.60%

Balance

$100,000.01 – $200,000.00
Rate*

0.75%

Balance

$200,000.01+
Rate*

0.80%
* Per annum rate. Rate and terms subject to change without notice. Conditions apply.apply.