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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.

Service Status

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Digital banking
Digital banking is currently experiencing slowness and time-out errors. We are actively investigating and treating this as a high-urgency issue. We apologize for the inconvenience this may cause.
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Mobile Banking app
Digital banking is currently experiencing slowness and time-out errors. We are actively investigating and treating this as a high-urgency issue. We apologize for the inconvenience this may cause.
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Interac e-Transfers
Everything is working
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Member Card/ATMs
Everything is working

Looking for something specific?

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Become a member
Custom Accounts
Open an account online
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Mortgage Rates
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Calculators
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Borrowing
Manage Payments
Personal banking brochure
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Daily Banking
Spending or Savings Accounts, we have options to suit your lifestyle!
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Mortgages
We can help you buy a new home, and make your homeownership dreams come true!
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Borrowing
Need a car loan, or a line of credit? We may be able to help you out!
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Cashback credit card
Credit Cards
We have a suite of Visa and Mastercards from a low-rate Cashback Mastercard to a Visa Infinite Business.
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Investing
Earn interest with a Term Deposit (GIC), TFSA or RSP!
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Financial Planning
Need expert advice for your financial future? PlanWright Financial is here for you!
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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.

Learn more

Join Encompass Credit Union. Enjoy these rates every day.

5-year fixed mortgage

Interest Rate

2.19
*
%
5-year fixed GIC

Interest Rate

0.90
*
%
TFSA 5 year

Interest Rate

0.90
*
%
*Rates subject to change.
Rates

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.

Read the blog
Helpful Links
Credential Account Login
Login to pay your Encompass Credit Card
Canadian Revenue Agency
Credit Union Deposit Guarantee Corporation
CUMIS Travel Insurance

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.
Learn more
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.
Learn more
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