Welcome to Encompass Credit Union

Encompass Credit Union was founded right here in Alberta, and we’re proud to provide leading financial services to the families, communities and businesses who call it home. We serve Alberta residents only, as we are provincially regulated. Our Mission is Providing Value to our Members and Communities. 
Happy woman sitting casually
Daily Banking
Spending or Savings Accounts, we have options to suit your lifestyle
Couple with new home
We can help you buy a new home, and make your homeownership dreams come true!
Red haired woman with car key
Need a car loan, or a line of credit? We may be able to help you out!
Cashback credit card
Credit Cards
We have a suite of Visa and Mastercards from a low-rate Cashback Mastercard to a Visa Infinite Business.
Couple laughing with laptop
Earn interest with a Term Deposit (GIC), TFSA or RSP!
PlanWright logo with umbrella
Need expert advice for your financial future? PlanWright Financial is here for you!

Join Encompass Credit Union. Enjoy these rates every day.

5-year fixed mortgage

Interest Rate

5-year fixed GIC

Interest Rate

TFSA 5 year

Interest Rate

*Rates subject to change.

Tips vs. Romance Scams

Romance scams are one of the largest causes of fraud losses in Canada, doubling the value of loss from 2020. 

Service Status

Digital banking
Mobile Banking app
Interac e-Transfers
Member Card/ATMs
Aura Card

Meet Aura Loyalty, the member card with benefits.

If you don't have a credit card, but want the flexibility of online purchases, Aura is here to help. The card is issued instantly within the Aura app so you don't need to wait for your physical plastic before starting to spend. Simply load your virtual card onto Apple Pay, Samsung Pay, Google Pay or Fitbit Pay and start to spend.

Limited Time Offer - 3.9% Balance Transfer

Balance Transfer 3.9%

Receive a special 3.9% Balance Transfer promo rate for 6 months when you transfer balances to any of your consumer or business cards, except the US Dollar card.

No Transfer fees!

This offer is available from February 1, 2022 and expires on December 31, 2022.

Here's how you can take advantage of this offer:

  1. Log on to MyCardInfo
  2. Select Account Services, then Balance Transfer
  3. Follow the prompts to initiate your balance transfer
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