Mosaik Credit Union Limited
A mosaic of cultures, one community credit union in Nova Scotia.
Overview
Mosaik Credit Union is a member-owned Nova Scotia credit union formed on January 1, 2025 through the merger of Community, New Ross and Victory credit unions.
No-Fee Chequing Accounts
$25.00/mo
Standard monthly chequing fee. No free-tier option available at this credit union.
Other account options may be available. Visit Mosaik Credit Union Limited's website for full pricing.
Current Rates
GIC Rate Ladder
| Term | Rate |
|---|---|
| 1-Year GIC | 2.45% |
| 3-Year GIC | 2.75% |
| 5-Year GIC | 2.80% |
Pros
- • Deposit insurance up to $250,000 per category through NSCUDIC
- • Solid digital banking with mobile app, online banking, and Interac e-Transfer
- • Surcharge-free ATM access through THE EXCHANGE Network
Cons
- • No no-fee chequing option, all chequing accounts carry a monthly fee
- • Digital banking is functional but less polished than top-tier credit unions
Best For
Products & Accounts
Membership Eligibility
Nova Scotia residents
Open to residents of Nova Scotia. Membership requires purchase of a membership share.
Deposit Protection
NSCUDIC
$250,000 per category
Nova Scotia Credit Union Deposit Insurance Corporation (NSCUDIC) protects deposits up to $250,000 per eligible category.
Digital & Access
- Mobile App
- Online Banking
- Interac e-Transfer
- ATM NetworkTHE EXCHANGE Network
- Digital Ratingfair
Rate and eligibility data is gathered from official credit union websites and verified comparison sources. Always verify rates directly on the official website before making financial decisions.
Official WebsiteRelated reading
