Rocky Credit Union

Our Story

Established in 1944, Rocky Credit Union is the largest single-branch credit union in Canada. We proudly serve the people of Rocky Mountain House and surrounding area with all of their banking needs. Our members are our biggest priority, which is why we strive to foster financial literacy, support local initiatives, and create deep connections within our community.

Vision
Mission
Values
Co-operative Principles

What is Profit Share?
Shares Over the Years

Each November, we pay Profit Share to our members. Here's how it works:

For products you pay interest on (loans, mortgages, lines of credit), we give a portion of all the interest you paid back to you, like a rebate.

For products you earn interest on (savings accounts, investments), we share an extra portion on top of all the interest you earned, like a bonus.

So, the more products you have with Rocky Credit Union, the more profits you earn. Last November, we shared over $2.6 million in Profit Share & Dividends to our members!

In 2025, RCU gave 12% of interest earned and interest paid back to our members, plus 3.75% dividends. That's over $2.6 million cash to members!

YEAR	DIVIDEND	PROFIT SHARE	AVG PRIME
2025	3.75%	12%	4.90%
2024	4.95%	12%	6.93%
2023	4.80%	12%	6.58%
2022	2.65%	10%	3.58%
2021	1.90%	10%	2.45%
2020	2.15%	10%	2.95%

Each year, Profit Share and Dividend percentages are decided by and at the discretion of our Board of Directors.

Let's put Profit Share into perspective, based on last year's numbers:

If you had a mortgage at our posted rate of 4.19%, a 12% profit share would effectively reduce your rate to 3.69%. On a mortgage of $400,000, that’s $2011 back in your pocket.
If you earned 12% profit share on a loan, line of credit, or mortgage, that’s equivalent to us covering about a month and a half of your interest payments.
If you had $100,000 invested at 2.50%, you would receive a bonus of $300 on top of your interest earned. If you reinvest that cash back each year, that money will keep working for you!

Meet the Team

Our management team ensures that Rocky Credit Union is assisting our members with excellent service for a quality banking experience.

Management Team

Financial Statements

Each year, Rocky Credit Union reports its activities and financial results to its members. We are proud of how well we serve the financial needs of our membership, and how we support our community through donations and volunteering.

Financial Statements

Governance

Rocky Credit Union members are represented by the Board of Directors. The Board of Directors is accountable to the members of Rocky Credit Union for directing the affairs of the credit union and maintaining policies.

Governance

Each November, we pay Profit Share to our members. Here's how it works:

For products you pay interest on (loans, mortgages, lines of credit), we give a portion of all the interest you paid back to you, like a rebate.

For products you earn interest on (savings accounts, investments), we share an extra portion on top of all the interest you earned, like a bonus.

So, the more products you have with Rocky Credit Union, the more profits you earn. Last November, we shared over $2.6 million in Profit Share & Dividends to our members!

Meet the Team

Financial Statements

Governance

Rocky Credit Union Volunteers

Not only does Rocky Credit Union give back to our communities with donations, we take pride in being active volunteers.

In 2025, Rocky Credit Union Staff volunteered 2027 hours of time in our communities!