Frequently Asked Questions

Who can join the Credit Union?

As a closed bond Credit Union, only Alberta based employees and contractors of TC Energy and it's subsidiaries are eligible to join, we also allow close relatives of eligible members to join too, so you can set up accounts for your children, spouse and parents

Can I do deposits direct from payroll?

Yes: Employees of TC Energy on Canadian payroll can have funds deducted directly from their pay cheques and sent to the Credit Union, for loans, mortgages, savings or RRSPs

How do I access my savings?

We can issue you a bank draft from your savings account and we can also send funds directly to a bank account of your choice - via Automated Fund Transfers (AFT's). You can also use this method to make either regular or one time deposits to your Credit Union account

Why are there restrictions on Membership?

Due to the unique 100% Deposit Guarantee that our members benefit from, our regulators (Credit Union Deposit Guarantee Corporation) place geographic restrictions as to who can become members

What is the difference between a bank and a Credit Union?

There are  many differences between banks and credit unions - click the link below for a fun video explaining some of the key variances

What happens if I leave TC Energy?

No problem, once a member, always a member! Once your membership is approved you can remain a member of the Credit Union for as long as you want, even if you leave TC Energy. Your access to services and rates are unaffected

What are your service charges?

 We do not charge any service charges or monthly fees for your account services 

What are your interest rates?

We offer competitive rates on our term deposits, savings accounts and RRSP's as well as excellent loan and mortgage rates. Check out our rates page for more details:

What is profit sharing?

Profit sharing is unique to credit unions and involves them passing back their profits to members by various methods.

How do I join?

Simply complete the membership form below and return it to our office along with your $25.00 common share deposit.

Where are you located?

We are located on the ground floor of TC Energy Tower in Calgary, just along the corridor from the security desk. We are open Monday-Friday 8.30am till 4pm. You can always email us at or call 403-920-2664

What is the 100% Deposit Guarantee?

  The Credit Union Deposit Guarantee Corporation guarantees the repayment of all deposits with Alberta Credit Unions, including accrued interest. This means both the deposit money you put in and the interest earned is safe and secure - up to any dollar amount!