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.
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
Financial Planning
Need expert advice for your financial future? PlanWright Financial is here for you!
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.

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.

Understanding alerts and OTPs

There are three categories of alerts: account alerts, security alerts and business notifications. Some account alerts will need to be set up by the member, while other security alerts are set up by default.

Limited time offer - 5.9% Balance Transfer

5.9% balance transfer
Balance Transfer 5.9%
Receive a special 5.9% Balance Transfer promo rate for 6 months when you transfer balances to any of your consumer or business cards, except the US Dollar card.
Balance transfer
No Transfer fees!
Balance transfers must be $500 at minimum; multiple transfers are allowed. Qualifying balances must be transferred between May 1 – July 31, 2021.

Service Status

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