What does financial well-being mean to you?

Financial well-being means having the power to achieve what’s important in your life.

It doesn’t mean sitting on piles of coins like Scrooge McDuck (or maybe it does, we don’t judge).

It doesn’t necessarily mean paying outright for a vehicle, or living it up in Palm Springs with a mojito post-retirement. But it could. Whatever it is, we can help you achieve it.

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Everyone could use a little help with their financial well-being.

When it comes to your financial future, are you prepared for things like a mortgage, credit card debt, a financial emergency or retirement?

If the answers to any of these were met with a shrug, sigh, or "I'll think about it…in a few years," you're not alone. The reality is many Canadians will face some form of financial trouble in their lives.

$1.67

On average, the amount a Canadian owed in debt – mortgages, other loans, and consumer credit – for every dollar of disposable income.1

$200

Over half of Canadians are this amount (or less) away from not being able to pay bills.2

56%

Percentage of retirees (Canadians age 50+) who don’t have a plan for retirement savings.3

47%

Percentage of Canadians who don’t have an emergency fund that could cover their expenses for more than three months.4

How can we help you?

If these stats made you a bit sweaty, don’t worry. We're on a mission to improve the financial well-being of Canadians.

And banking with us gives you more power in more ways. We help our members build better money habits and realize their financial well-being through simple financial help. Here's some other ways we can help:

We're here when you need us.

We have over 50 branch locations, complete with helpful staff. And many are open until 7pm and on Saturdays.

Find a branch

You'll have your voice heard.

Your membership also gets you membership shares which make you a part-owner of the business. That means you'll get a say in how we do things. Pretty cool, eh?

You’ll talk to real, live, trained people - not robots.

Our Contact Centre is open Mon-Sat, 8am-8pm; Sun, 9am-5:30pm.

Give us a shout

Getting started is simple.

Part of your journey to financial well-being starts with a simple conversation with us, so we can understand your situation and build the right plan to get you on your way to your goals. Like that dream wedding at the amusement park. We like to call it our Where You're At Money Chat®.

Step 1

Schedule a Money Chat.

Complete the online form to schedule a chat at a branch of your choice.

Step 2

We'll contact you.

We'll get in touch in a couple days to confirm your appointment.

Step 3

Chat away.

Don't worry, this won't hurt. We'll cover things like setting up a budget, making a plan for paying down debt, growing the money you have, or protecting the things that are most important to you.

Let's do this.

Schedule a Money Chat



  1. Statistics Canada. National balance sheet and financial flow accounts, fourth quarter 2016. http://www.statcan.gc.ca/daily-quotidien/170315/dq170315a-eng.htm
  2. MNP. Consumer Debt Sentiment Survey. http://mnpdebt.ca/en/lp/sentiment-survey?_ga=2.11897713.476217221.1504716988-1749047159.1504716988
  3. Ontario Securities Commission. Retirement Readiness: Canadians 50+. http://www.osc.gov.on.ca/documents/en/Investors/inv_research_20160909_report-retirement-readiness.pdf
  4. Desjardins Group. Desjardins Personal Finance Index. https://www.desjardins.com/ca/co-opme/desjardins-difference/personal-finance-index/index.jsp