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Benefits of Membership

Home Benefits of Membership

Benefits of Membership

Great rates.

Profit Sharing – when we do well, you do well.

Friendly, helpful professionals.

100% Member-owned – we’re working for you.

Great advice with your best interests in mind.

Great financial products and options.

Easy payroll deduction.*

Apply for

Feel free to call us or stop by to apply for membership. Or, if you prefer, you may apply online. For guidelines on switching from your current financial institution, check out our  Switch Kit.  Keep in mind that we serve Members from all over NB from our Fredericton office.

Talk to Loans Department

Whether you’re currently a Member or you’re just shopping, feel free to contact our Lending Department at 506-452-1725 or Toll Free in NB only at 1-800-565-5626.  Or feel free to reach Shawnalynn ReidDawna Scott or Meghan Reed directly by email.  Our Lending Department offers Mortgages, Loans, Lines of Credit, Home Equity Loans, and a variety of other products.


As of June 2010, NBTA Credit Union is open to the general public. If you would like more information on joining NBTA Credit Union, please contact our Fredericton office at 506-452-1724, by email at , or in person at 650 Montgomery Street, Fredericton, NB.

Member Shares

Membership Shares represent a Member’s ownership of NBTA Credit Union. Each Member of the credit union is part-owner and therefore shares the profits of their credit union.

As of July 2013, NBTA Credit Union Members are only required to purchase one membership share at $5.00.   The $5.00 is a one-time purchase and represents your ownership of NBTA Credit Union.

Surplus Shares

NBTA Credit Union Surplus Shares Account is the account into which patronage rebates (profit sharing) are deposited. Each eligible member accumulates up to a total of eight hundred ($800) dollars. Any monies above $800 are available for withdrawal by the member.

Patronage rebates are based on the interest paid on personal loans and interest earned on savings accounts and term deposits.  It’s calculated by taking the total interest paid for the fiscal year and multiplying it by the patronage rebate rate approved at the Annual General Meeting (eg. 18%, 16.5%, 5%).  The rebate earned is deposited to the surplus shares account (“08”) usually a day or two after the Annual General Meeting.  The amounts for loans and deposits are entered separately.  The patronage rebate deposited to the Surplus Shares account is how we share our profits with our Members.

*Payroll deduction only available with certain employers.  Talk to our staff for details.