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Together we can create a better future forward


Copperfin Credit Union and Northern Credit Union are working to forge a future forward and unite the North. United, the two credit unions are positioned to have the strategic vision, skills, and capacity to make a difference for their employees, and members, and advance the lives of the people and communities they serve.

Why Your Involvement Matters

Exciting times are upon us as we embark on a journey of growth, collaboration, and innovation through our upcoming merger. As valued members of our dynamic organizations, your role is crucial in shaping the success of this partnership. Together, we can build a stronger, more resilient organization that thrives in the face of challenges and creates new opportunities for you our members, our employees and our communities.

Your loyalty and commitment are the driving force behind our collective achievements. Together, we are not just witnessing a merger; we are shaping the history of our organizations.

Your Opinion Matters

Your perspective is vital in helping us navigate this transition successfully, and we genuinely value your feedback.


2.462 Billion
in Assets


About the Partnership

Our members are at the heart of everything we do. We regularly and proactively seek out opportunities that help us remain competitive, relevant, sustainable, and true to our local roots, so we can continue to provide value to our members and our communities for years to come. With the shared interest in creating value for our members and strengthening our northern communities, the Board of Directors from Northern Credit Union and Copperfin Credit Union have come together to explore the possibility of a merger.


For Members

Increased ability to invest in new technology, innovative products and services, and tools to meet evolving needs.

Greater access to expertise and knowledge to solve unique needs.

Larger employee base that is dedicated to understanding needs and finding solutions to match.

Expanded branch network to bank where, when, how you want.

For Team Members

New career opportunities and specialized roles with greater professional development across a broader network.

A culture that builds on our combined strengths.

Access to additional skill sets and expertise.

Additional tools and resources that support a healthy work-life balance.

For Communities

Increased ability to support the communities in Northern Ontario.

Greater ability to invest and foster meaningful connections and contribute to our economies.

More opportunities to contribute time and money to the communities and causes that matter to our members.

Increased capacity to serve larger businesses allowing for stronger financial service needs met by a local credit union.

“We’re very excited about this merger and the potential to create incremental value for our members. Together we will be capable of delivering greater benefits to members such as access to an expanded branch network, continued investment in technology and digital services, and enhanced value and convenience for our members. We want our members and the people in our communities to benefit from an industry–leading financial institution, built in the North, and focused on their success. This partnership helps us to realize this.”
— Board Chairs, Tim Foster, Northern Credit Union and Robert Jankovic, Copperfin Credit Union


January 2023

Exploring a Merger

In early 2023 the Board of Directors of both Credits Unions initiated merger discussions to explore the synergies of the two organizations.

August 2023

Exploring a Merger

The Boards confirmed their commitment to ongoing merger discussions.

October 2023

Due Diligence Kick Off

Due diligence begins to review key areas of the business to ensure reasonable care has been taken and mitigate any unforeseen risks.

November 2023

Exploring a Merger

The Boards of Directors approved the concept paper to proceed with the critical work that needs to bring the two organizations together.

January 2024

Member Survey

Member survey facilitated through a third party to gain valuable feedback on perceptions of the merger.

Due Diligence Findings

Due diligence anticipated to be completed.

Board Review and Approval of Due Diligence

Board approval of due diligence.

February 2024

Board Approval of Business Case

Board approval of business case.

March 2024

Member Survey

Second member survey to gain insights into member sentiments to voting.

April 2024

Special Meeting of the Members Announced

Special General Meeting announced to members.

June 2024

Special Meeting of the Members and Vote

Proposed member vote date.

January 2025

Welcome to Your Future Forward

Official first day!

Future Forward

About Us

Northern Credit Union (Logo)

Making a difference in people's lives.

Since 1957, Northern Credit Union has evolved into a full-service, locally-operated financial institution, offering personal and commercial banking and financial planning expertise to more than 70,000 member shareholders. Now serving 28 communities in Ontario, Northern is committed to educating members in financial literacy and providing tools to achieve financial goals.

Since day one, we have been making a positive impact on the lives of our members, neighbours and communities. A lot has changed over the years, but what never will is our commitment to helping one another, a testament that's clearly defined in our Core Purpose: Making a difference in people's lives.

Copperfin Credit Union (Logo)

Advancing the lives of the people and communities we serve.

In November of 2008, two Kenora based credit unions with deep community roots joined forces to become Copperfin Credit Union. Over the years, the successful growth in the Kenora market allowed us to expand into the surrounding areas. In May of 2013, Thunder Bay based Superior Credit Union merged with Copperfin to form Northwestern Ontario’s largest locally owned credit union.

Today, we're proud to provide our members a modern, conversational credit union that specializes in personalized advice and unique financial solutions to move your life forward.

News & Updates

Date Catagory Title Description
2023-08-09 Press Release Partnership Opportunity Update In February, the Boards of Directors through the Joint Partnership Committee of Northern Credit Union, Copperfin Credit Union and WFCU Credit Union engaged in exploratory conversations to determine the potential of a three-partner merger.
2023-02-27 Press Release Northern Credit Union and Copperfin Credit Union Look to Unite the North. Northern Credit Union and Copperfin Credit have formed a Joint Partnership Committee of their Boards of Directors to explore opportunities to bring their organizations together.

Frequently Asked Questions

Building a stronger and more resilient credit union for our members today, enables us to be sustainable and relevant well into the future.

Determining the name for our future credit union is a comprehensive process that involves careful consideration and a strategic approach. We aim to select a name that not only reflects our identity but also garners support from our members and positions us strategically for the future. Stay tuned for a future announcement about our name in early 2024!

Bringing our organizations together has many significant milestones. The achievement of each milestone will contribute to the overall success of the merger process. If successful, the official merger closing date is set for December 31, 2024.
It's an exciting journey, and we look forward to the positive outcomes that the merger will bring to our combined organization.

Our priority is to ensure a seamless transition, and we are committed to maintaining uninterrupted banking services for our members. Our credit unions are dedicated to providing you with same high-quality, personal service that exists today. In fact, you may notice some immediate benefits as a result of the merger, like access to an expanded branch network, additional after hour services through our combined contact center and an expanded ATM network. While there may be some operational changes behind the scenes, we will work diligently to minimize any disruptions to your daily banking activities.

We are committed to strengthening the communities we serve across the North and engage in opportunities that build stronger partnerships and create meaningful impact in the communities we work and live in. Together we will have a greater local impact, can invest in and contribute more to local economic development, and provide a strong voice and leadership presence across Northern Ontario.

We recognize the vital role our employees play in delivering an exceptional banking experience you have come to value. Their contribution is integral to the success of our business. Our objective is to consistently provide members with highly knowledgeable staff who can offer the solutions they are looking for.

During the voting period, members will be able to vote using a secure, confidential voting platform. More details around the voting platforms and access to links will be shared soon. All members over the age of 18 and in good standing are eligible to vote once. Where membership is held jointly by 2 or more persons with only one share account, the membership is entitled to only one vote. Businesses, corporations, or organizations may vote through an appointed representative.

Contact Us

Questions or Concerns? Let Us Know.

A New Ontario-Wide (Literally) Branch Network
Serving the Following Communities:

Word cloud map of communities in Ontario with those serviced by Northern and Copperfin Credit Unions indicated
  • Arnprior
  • Barry’s Bay
  • Capreol
  • Chapleau
  • Chesley
  • Deep River
  • Durham
  • Eganville
  • Elliot Lake
  • Englehart
  • Espanola
  • Garson
  • Hornepayne
  • Kenora
  • Kirkland Lake
  • North Bay
  • Pembroke
  • Red Rock
  • Richards Landing
  • Sault Ste. Marie
  • Sudbury
  • Thessalon
  • Thunder Bay
  • Timmins
  • Wawa