Integris Credit Union

What Integris Credit Union does

Integris Credit Union is a member-owned cooperative financial institution operating across North-Central British Columbia, Canada. Following its January 1, 2026 merger with Coastal Community Credit Union, the combined organization serves 110,000+ members through 8 physical branches (three in Prince George plus Fort St. James, Vanderhoof, Quesnel, Clinton, Fraser Lake, and McBride), supplemented by online and mobile banking, a contact centre, and proprietary plus partner ATMs. It provides personal and business financial services — day-to-day banking, mortgages, personal and commercial loans, lines of credit, credit cards, term deposits and GICs, safety deposit boxes, insurance (auto, home, farm, recreational, business, travel), and wealth management — to individual consumers, small-to-medium businesses, agricultural operations, students, and recreational vehicle owners.

The technology stack is built entirely on third-party platforms rather than proprietary infrastructure: CreditMaster for mortgage origination, PaymentStream AFT via Central 1 for business payments, MemberDirect for online banking, CardWise and Collabria for credit card management, Aviso Wealth for advisory services, and Qtrade for self-directed and guided investing. Mobile apps for iOS and Android support mobile cheque deposit and alerts, Google Wallet tap-to-pay was added in December 2025, and Google Authenticator provides two-step verification for business banking. Integris Financial Planning Services Ltd, a wholly owned subsidiary, houses the wealth management team.

Revenue is generated across six streams: net interest income from lending (mortgages, personal and commercial loans, lines of credit, student loans), recurring account fees (personal $0-$29.95/month, business $0-$90/month), term deposit and GIC funding products, insurance commissions including ICBC Autoplan, wealth management referral and advisory fees through Aviso Wealth and Qtrade partnerships, and transaction fees (e.g., $1.50 per INTERAC e-Transfer, business AFT setup and data fees). The cooperative model returns surplus to members via competitive rates and lower fees rather than external shareholders. Customer acquisition runs through direct branch service in rural communities where Integris is often the sole or primary financial institution, digital self-service channels, community events and sponsorships, content marketing, and member referrals.

Name

Integris Credit Union

Legal name

Coastal Community Credit Union

Website

https://integriscu.ca

Company type

Private

Founded year

1949

Operating status

Operating

Headcount range

101–250 employees

Short description

Integris Credit Union is a member-owned cooperative financial institution serving 110,000+ members across North-Central British Columbia through 8 branches, offering personal and business banking, mortgages, insurance, and wealth management via third-party platforms such as MemberDirect, Collabria, Aviso Wealth, and Qtrade.

Ownership category

akta.pro rank

Product category

Retail Banking

NAICS

Credit Unions (52213), Credit Unions (522130)

SIC

Savings Institution, Federally Chartered (6035)

akta.pro primary industry

Community Credit Unions (Retail/Consumer Focus) (FSABAEAA)

Keywords

• Retail banking services
• Cooperative banking
• Mortgage lending
• Wealth management
• Insurance products

Headquarters

HQ city

Prince George

HQ country

Canada

HQ region

North America

Offices10 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Personnel, Operations, Technology or R&D, Marketing or Sales, Infrastructure, Others

Revenue model

1. Interest Income from Lending: As a credit union, Integris generates primary revenue through interest earned on loans including mortgages (residential and commercial), personal loans, lines of credit, student loans, and business loans. Interest rates vary by product type with insured mortgages starting at 3.89% (3-year fixed) and variable rate options at 4.45%.
2. Banking Service Fees: Monthly account fees for personal and business accounts. Personal accounts range from $0 (basic accounts) to $29.95/month (All In. Plus). Business accounts range from $0 (Pay As You Go) to $90/month (Everyday Business 150). Additional transaction fees apply for exceeding included limits.
3. Term Deposit/GIC Investment Products: Accepts member deposits in various term deposit and GIC products with competitive interest rates, using these funds for lending operations.
4. Insurance Commissions: Earns commissions on insurance products offered including ICBC Autoplan, home insurance, auto insurance, recreational vehicle insurance, farm insurance, and business insurance. Offers member discounts up to $50 off residential insurance premiums for having multiple products.
5. Wealth Management and Investment Services: Through partnerships with Aviso Wealth and Qtrade, offers investment products including mutual funds, ETFs, stocks, bonds, and registered plans (TFSA, RRSP, RESP, FHSA, RDSP) earning advisory fees and commissions.
6. Business Banking Services: Fees for business services including Automated Funds Transfer setup ($250), monthly data entry fees ($50), file upload fees ($15), merchant services through Paystone partner, and commercial lending.
7. INTERAC e-Transfer Fees: Transaction fees for e-Transfer services at $1.50 per transaction depending on account type.

Pricing tiers

Go-to-market motion1 record

Distribution channels7 records

Marketing channels7 records

Core offering

Integris Credit Union is a member-owned cooperative financial institution operating as a division of Coastal Community Credit Union, serving 110,000+ members across North-Central British Columbia. It provides personal and business banking accounts, mortgages, personal and commercial loans, lines of credit, credit cards, term deposits, wealth management, online brokerage, and a full suite of personal, business, farm, recreational, and travel insurance products distributed through 8 physical branches and digital channels.

Differentiator

Problem solved

Functional benefit

Brands

• Integris Financial Planning Services Ltd: Wholly owned subsidiary providing wealth management, investment advisory, and financial planning services through Integris Credit Union.

Products and services

• Personal Banking Accounts Personal chequing and savings accounts with tiered monthly fees from $0 to $29.95, offering debit transactions, INTERAC e-Transfers, ATM fee reimbursements, safety deposit box rebates, and free bank drafts for individual members.
• Business Banking Accounts Business chequing accounts with monthly fees ranging from $0 to $90, including bundled transactions, e-Transfers, Consolidated Pay Corporate Card rebates, and MemberDirect Business online access for SMBs.
• Residential Mortgages Conventional, insured (CMHC/Sagen), construction, and high-ratio mortgages with fixed, variable, and escalator rate options; insured 3-year fixed at 3.89% and 5-year fixed at 3.99% (insured) / 4.14% (uninsured).
• Commercial Mortgages Commercial mortgages for business owners to finance commercial real estate, offered alongside commercial loans and operating lines of credit.
• Personal Loans and Lines of Credit Personal loans, personal lines of credit, and student/youth loans (including student lines of credit) for individual members seeking financing for education, vehicles, or other personal needs.
• Mastercard Credit Cards Mastercard credit cards (Cash Back, Travel Rewards, Gold, Classic, World, USD, World Elite) issued through Collabria Financial, managed via the CardWise mobile app and online platform with alerts, merchant controls, and security features.
• Business Lending and Operating Credit Commercial loans, operating lines of credit, and letters of credit for small and mid-sized business members, supported by MemberDirect Business online banking and PaymentStream AFT for payroll and recurring payments.
• Term Deposits and GICs Term deposits and GICs (cashable and non-redeemable) including 1-Year Non-Redeemable at 2.50%, 1-Year Cashable at 2.00%, 18-Month Escalator (2.10%-3.00%), and 3-Year Escalator (2.30%-2.80%) for member savings.
• Personal and Business Insurance Insurance brokerage offering ICBC Autoplan and Fleetplan, home, auto, recreational (boat/ATV/RV/snowmobile), business, farm and ranch, and travel insurance, with member multi-product discounts up to $50.
• Wealth Management and Financial Planning Wealth management, financial planning, and estate planning services delivered through Integris Financial Planning Services Ltd, including fee-based accounts, discretionary management, mutual funds, and registered plans (TFSA, RRSP, RESP, FHSA, RDSP).
• Online Brokerage and Guided Portfolios Self-directed online brokerage (Qtrade) for stocks, bonds, ETFs, mutual funds, options, and IPOs with $8.75 trades and 60 free ETFs, plus automated Guided Portfolios for goal-based managed investing, including Responsible Investing options.
• Merchant Services and PaymentStream AFT Payment processing through Paystone (terminals, POS, e-commerce, virtual terminals, gift cards, loyalty) and PaymentStream Automated Funds Transfer (AFT) for pre-authorized debits, direct deposits, payroll, strata fees, and recurring business payments with dual authorization and 2-step verification.
• Google Wallet Debit Card Integration Tap-and-pay functionality for Integris debit cards through Google Wallet, allowing members to make secure contactless payments with their mobile devices.

Quantifiable outcome

• $50 insurance discount for members with multiple products
• +2 more outcomes

Segments5 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration18 records

Feature3 records

Partnerships

Eleven partnerships are on record, tiered core, minor and support.

• PaystonecoreTechnology or IntegrationPaystone is Integris's merchant services partner, offering payment processing solutions through relationships with Elavon, First Data, and Global Payments. They provide terminals, e-commerce, POS systems, virtual terminals, pay-at-table, fundraising, gift cards, and loyalty programs for business customers.
• Collabria FinancialcoreTechnology or IntegrationCollabria Financial is Canada's largest credit card issuer for credit unions and financial institutions. Integris partners with Collabria to offer various Mastercard credit cards including Cash Back, Travel Rewards, Gold, Classic, World, USD, and World Elite options.
• Qtrade Direct InvestingcoreTechnology or IntegrationQtrade Direct Investing provides online brokerage services enabling Integris members to buy and sell stocks, bonds, ETFs, and mutual funds with $8.75 stock trades and 60 free ETFs. Part of Aviso Financial Inc.
• Qtrade Guided PortfolioscoreTechnology or IntegrationAutomated digital investing service providing professionally managed, low-cost portfolios matched to personal financial goals, timeline, and risk tolerance. Includes Responsible Investing options.
• Aviso WealthcoreTechnology or IntegrationAviso Wealth provides investment management and wealth management services through Integris advisors. Offers mutual funds, fee-based accounts, discretionary management, and managed accounts. Also provides Qtrade platforms.
• Central 1coreTechnology or IntegrationCentral 1 provides the PaymentStream Automated Funds Transfer (AFT) system enabling business pre-authorized debits and direct deposit transactions. Also provides access to their platform for AFT login.
• CMHC (Canada Mortgage and Housing Corporation)coreOthersFederal government-supported mortgage loan insurance program initiated in 1946. Provides mortgage insurance for high-ratio mortgages (loan exceeds 80% of purchase price), protecting lenders and enabling lower down payments.
• SagencoreOthersPublicly traded mortgage insurance company (since 1995) offering mortgage loan insurance similar to CMHC, enabling Integris to offer insured mortgages with down payments as low as 5%.
• ICBCcoreOthersInsurance Corporation of British Columbia. Integris is an ICBC Autoplan broker offering basic and optional auto insurance coverage. Also offers online ICBC renewals through Integris portal.
• TuGominorOthersOnline travel insurance provider available through Integris for members purchasing travel insurance coverage for trips.
• Google AuthenticatorsupportTechnology or IntegrationGoogle Authenticator app used for two-step security (2SV) on PaymentStream AFT business banking. Required for secure login to business payment systems.

Scale indicators4 records

Recent moves9 records

Expansion highlights5 records

Emerging players

• Wealthsimple: Canadian digital-first investing and banking platform. Competes with Integris/Aviso wealth offering for self-directed investors and challenges the cooperative's younger member segments via low-fee digital brokerage and chequing accounts.

Direct peers

• Northern Savings Credit Union: Prince Rupert-based BC credit union serving northern communities with similar member-owned model, retail/business banking, and lending services. Comparable size and rural community focus.
• Vancity: British Columbia's largest credit union, also member-owned and offering full banking, insurance, and wealth services. Directly comparable cooperative model and BC regional footprint, though with significantly larger scale and broader Metro Vancouver presence.
• BlueShore Financial: BC-based credit union offering premium banking, wealth, and insurance services to high-net-worth members. Comparable integrated banking-plus-wealth model with similar community cooperative ethos.
• First West Credit Union: BC credit union operating Valley First, Envision Financial, Island Savings, and others. Comparable member-owned cooperative offering banking, insurance, and wealth across BC with similar product set and community banking orientation.
• Bulkley Valley Credit Union: Smithers-based BC credit union serving northwestern BC communities. Comparable small-scale regional credit union model with similar product breadth and community banking approach.
• Sunshine Coast Credit Union: BC credit union serving the Sunshine Coast region with full retail and business banking. Comparable cooperative member-owned model and similar community-banking positioning outside major metros.
• Coastal Community Credit Union: The parent entity that merged with Integris effective January 1, 2026. Vancouver Island-based credit union serving similar member segments across BC with the same member-owned cooperative model and full suite of banking, lending, and wealth services.

Broad incumbents

• TD Canada Trust: Major Canadian bank with branch and digital presence across BC. Competes with Integris on personal banking, mortgages, and commercial lending; broader product portfolio and balance sheet, but less local presence in smaller North-Central BC communities.
• Royal Bank of Canada (RBC): Canada's largest bank with dominant retail and commercial presence across BC, including North-Central BC where it competes directly with Integris for mortgages, deposits, and business banking. Direct incumbent competitor on the same products but at vastly larger scale.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks5 records

Key highlights7 records

Customer concentration

• Xtwitter.com/integriscu
• YouTubeyoutube.com/user/IntegrisCU
• Facebookfacebook.com/integriscu
• LinkedInlinkedin.com/company/integriscu
• Instagraminstagram.com/integriscu

Revenue estimate

Valuation estimate

Number of profiles

Profiles6 records

Subsidiaries1 record

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Integris Credit Union