OnlineBanking
 

About us

The Estonian (Toronto) Credit Union Ltd. is a modern, 
full service financial institution with over 5,000 members.
We have been in business since 1954.

We offer a high level of personalized service in both English and Estonian.
Our members benefit from a no-fee policy on core services and
very competitive rates on our loan and deposit products. 
Borrowers and depositors are also able to share in our success through annual distributions of interest rebates and bonus interest from our profits.
We pride ourselves in our ability to present flexible and cost effective solutions to meet all of the financial needs of our members.

We provide our members with convenient access to their accounts without ever having to visit the branch. Our Debit Card enables members to make cash withdrawals from ATMs anywhere in the world serviced by the Interac and Plus networks. Members can also make retail purchases and withdraw funds through Canadian and US Point of Sale systems.
Our online banking feature requires only an internet connection for members to make bill payments and transfer funds to and from related accounts.
Deposits and surcharge free withdrawals may be made at over 2,300 of convenient locations through THE EXCHANGE® and AccuLink® ATM networks. Automated funds transfers enable members to make both one-time and recurring transfers to and from their accounts.

For those who prefer dealing with us in person we provide personalized and professional service at our easily accessible location in Toronto.
We also provide a range of other banking products and services ranging from US$ savings and chequing accounts to secure and instantaneous fund transfers to Estonia.  Through our partners our members have access to over 1,200 mutual funds, on-line brokerage capabilities, and a broad range of retirement and insurance products including RRSP’s, RRIF’s and RESP’s.
We do not charge fees on transactions
involving Canadian dollar accounts,
nor are our members charged fees for certified cheques,
Canadian or US dollar money orders, save for NSF cheques.
  
Click here to learn how to become a member.
What is a Credit Union?
Credit unions have been in Canada since 1900. That was the year Alphonse Desjardins founded the first caisse populaire in Levis, Quebec. Credit unions began as an alternative to the commercially centerd, largely inaccessible banking system. Credit unions are democratically run by their members, whereas banks exist to earn profits for their shareholders. In the year 2004 there are over 250 credit unions and caisses populaires in the province of Ontario, with more than 700 locations.
They manage assets of more than $14.3 billion for nearly two million members in the province. 
 
  
A credit union's primary commitment is to the needs of its members, each being an equal shareholder with the right to have a say in the operation of the credit union. The membership elects a board of directors which represents the members in the affairs of the credit union and is responsible for its overall direction. Our board of directors and the full time management and staff monitor the needs of our members and the community. This has enabled us to evolve, with services and technology that move us closer to your home or office in continuing to provide you with the finest in convenient, competitive and cost-effective services.

The credit union is regulated by the authority of the Financial Services Commission of Ontario, Credit Unions and Co-operatives Services Branch and is insured by the 
DICO             Deposit Insurance Corporation of Ontario (DICO)
an agency of the Province established under the Credit Unions
and Caisses Populaires Act.

As of January 1, 2000
deposit insurance was raised from $60,000 to $100,000
per member account. The "account" includes all deposits
(other than US dollar deposits) held by a member at the credit union.
Click here for further details. 

 

The Estonian (Toronto) Credit Union is a member of the 
Credit Union Central of Canada.  
As members of INTERAC and the Canadian Payments Association,
credit unions offer members the convenience of electronic transactions
in Canada, the US and internationally based on the latest secure technologies.

 

 
SITE MAP PRIVACY LEGAL
Copyright © 2004 Estonian (Toronto) Credit Union Limited.
958 Broadview Ave. Toronto ON M4K 2R6 (416)465-4659 estonian.info@estoniancu.com