Latest News

December 19th, 2017

As of December 20th, 2017, our online banking service will no longer support Internet Explorer 8 (IE8). If you are currently using this browser to access your accounts, you will receive a browser error when trying to use our online banking services. This is to ensure that we are providing you the highest level security when accessing your financial products and services with us. If you are currently using IE8 as your browser, we recommend updating to a newer version of Internet Explorer, or using other compatible browsers like Chrome, Firefox and Safari. Contact us if you have any questions about this update in technology.

December 6th, 2017
Effective January 1st, 2018 we’ll be working with a new credit card provider
If you carry a credit union Mastercard credit card issued by CUETS Financial*, here’s information you need to be aware of. Your Neighbourhood Credit Union and Community First will be partnering with a new Canadian Credit Card provider. This means we will no longer be able to provide support or information on our website or in the branches for your current CUETS Financial credit card.  Although Your Neighbourhood/Community First is no longer participating in the CUETS Financial credit card program, your credit card will continue to work. CUETS Financial will continue to provide support, service, and assume sole responsibility for all administrative and processing aspects of your current Mastercard credit card.
Please watch for a letter from CUETS Financial explaining this change and how they will continue to work with you effective January 1, 2018.**
If you’re used to signing in to the Mastercard or Choice Rewards site, be sure to save or bookmark the links before December 31st, 2017, as we’ll be removing those links from our website on that date.
Choice Rewards
CU Cards Online
What will stay the same?
You can continue to use your existing CUETS Financial Mastercard credit card after January 1st, 2018, the same way you do today. You will have the same PIN, features and benefits, credit limit, interest rate(s) and fees. Your CUETS Financial Account Agreement and Disclosure Statement, as amended to date, will also remain unchanged. Please ensure your address is current with CUETS Financial so you will continue to receive any notices from them. If you’ve set up Credit Union Mastercard in your bill payments, you’ll still be able to pay your bill online and in the branch.

What will change?

Effective January 1st, 2018 you won’t see any direct links to CUETS Financial or Choice Rewards site on our website. When you log-in to, you will no longer see our name or logo on your landing page.  Be sure to save the link before December 31st, 2017.
We will no longer offer CUETS Financial credit cards in the branches, and unfortunately we won’t be able to provide member service on your existing credit card(s). To continue to manage your account, you can go online using your current login credentials for CUETS Financial Online Card Services. If you aren't currently enrolled, you can visit and click the "New User / Enroll Now" link. Alternatively, you can contact the CUETS Financial toll-free customer assistance number: CUETS Financial Card Services 1-800-561-7849.
*Guaranteed cards: IMPORTANT NOTE: If you have a CUETS Financial Guaranteed Mastercard (one that requires a financial guarantee from the Credit Union), watch for an important message from us shortly.

December 1st, 2017

On December 15th, 2017, we will be changing the name of our High Interest Savings RRSP, RIF, and TFSA accounts to RRSP, RIF and TFSA Variable Savings. This name change will not affect the products in any way, and you will continue to enjoy the same great features with these accounts. Contact your local branch if you have any questions.

September 19th, 2017
Equifax security Breach UPDATE

The Canadian investigation is ongoing; based on current information, it is believed approximately 100,000 Canadians were affected. Those affected will be contacted directly by Equifax.

A statement and general FAQs are posted on the Equifax consumer website at

Canadians are advised not to use the American website as it is set up for social security numbers.

Check the Canadian Equifax website regularly for the most up-to-date information.

September 11th, 2017
Equifax Breach

What you need to know about the Equifax data breach and steps you can take:

As you may be aware, Equifax announced last week they had experienced a data breach affecting approximately 143 million Americans. The Canadian exposure is reported to be limited.

This breach was not against any bank or credit union, but against the credit reporting bureau.

You can monitor the situation on a special Equifax web page for current information  

If you wish, you can contact Equifax to discuss your concerns at 1-877-323-2598. Please note that service may be affected by Hurricane Irma.

What to do if you believe your data has been hacked:

  • Monitor your existing credit card and bank accounts closely for unauthorized charges. Contact relevant financial institutions, such as banks that issued credit cards and stop cheques, as quickly as possible. Call local police along with Service Canada if your Social Insurance Number was used. Report confirmed cases to the Canadian Anti-Fraud Centre  Toll Free: 1-888-495-8501
  • Change all affected passwords with new, strong and unique passwords for each account;
  • Consider placing a credit freeze on your files. A credit freeze makes it harder for someone to open a new account in your name. It will not prevent a thief from using any of your existing accounts;
  • Consider enrolling in a fraud alert. Equifax says it will offer free identity theft protection and credit file monitoring for one year to all U.S. consumers, but doesn't say if that will be available to Canadians. The service monitors if your information is used to open credit accounts or appears on suspicious websites. Several identity theft and recovery companies provide similar services.

August 2nd, 2017

UPDATE: E-mail Money Transfers and Small Business Online Banking services are back up and running and all profiles have been restored. We appreciate your patience during this time.

Credential Account Plus Users: As a result of this system maintenance, Credential Account Plus linked accounts have been removed from online banking. This was an unexpected result and we apologize for any inconvenience. Account Plus linked profiles will need to be re-linked for Credential Account Management, Credential Securities, and Credential Direct. You will require your account statement in order to re-link these profiles. If you have any questions, please speak with your Investment Advisor.

During routine system maintenance, E-Mail Money Transfer profiles and Small Business Online Delegates have been unintentionally impacted and are currently unavailable. We are diligently working to restore all profiles. You may experience service disruptions to Online and Mobile Banking while we work to rectify this issue. Once profiles have been successfully restored, we will post an update to this page.

We apologize for any inconvenience and are happy to support all of your banking needs through our branch network or by contacting our Service Excellence Centre at (705) 942-1000.

June 30th, 2017
Interac is currently experiencing issues with Interac e-Transfer. All financial institutions using this service are impacted. We are working with Interac on the issue and will provide updates as they become available. UPDATE: Service has been fully restored. Thank you for your patience.

March 16th, 2017

Our Annual General Meeting will be held on Tuesday, April 18th, 2017. Registration at 6:30 pm, meeting begins at 7:00 pm. Snacks and refreshments to be served.

Sault Ste. Marie Location
Quattro Hotel & Conference Centre, 229 Great Northern Road

Timmins Location
North Eastern Ontario Family & Children’s Services, 707 Ross Avenue East

February 28th, 2017


Community First is pleased to announce that $250,000 in profits was shared with eligible members in the form of patronage dividends on February 28th, 2017. Click here to learn more.

February 2nd, 2017


2016 Dividend Declared by Board of Directors

At the meeting held on January 24th, 2017 the Board of Directors declared a dividend of 2.00% be paid to registered Class A (Series 1 and 2) investment shareholders. This dividend was paid on February 2nd, 2017 in the form of additional Class A (Series 1 and 2) shares.  The dividend payment appears in your Class A account on online banking and in your statement for the period ended February 28th, 2017.


Click here to learn more about this exciting investment opportunity, including historical rates of return.

September 30th, 2016

Please be advised that there will be an automatic decline for all transactions originating from a magnetic stripe at point-of-sale terminals in Canada beginning October 1st, 2016. With these changes, October 1st, 2016 will mark the day that in Canada, 100% of all transactions performed at Interac shared services (ATM and POS terminals) will be chip. As all of our MemberCards and MasterCards are equipped with chip-functionality, our members should not be impacted by this change. If your chip card is not functioning and you have been reverting to your magnetic stripe for payments, please visit your local branch or call 1-866-942-2328 to discuss a replacement card.

 September 28th, 2016

As a result of our merger with Your Neighbourhood Credit Union, we have changed our domain to Please update your bookmarks and saved pages. There will be no other impact to members at this time.

 August 25th, 2016

Potential Canada Post Service Interruption

Update August 25th: The Canadian Union of Postal Workers (CUPW) has provided the required 72-hour work interruption notice to Canada Post late on Thursday, August 25th. No official action has been anncounced but there is a possibility of a "work to rule" position or strike action as soon as August 28th.

Update, July 12th: This week, Canada Post withdrew their 72-hour notice that was to take ffect Monday, July 11th, 2016. As a result, regular mail distribution of materials will resume effective immediately. In the event that notice is servd, we will provide our members with another update.

Statements: There is a possibility that Canada Post services may be interrupted as of July 2nd. If this happens, our statement provider will not put statements into the mail system but will hold them until the service interruption is resolved. Electronic statements (e-Statements) and documents will be available as usual through online banking; you can also make bill payments and transfer funds. If you would like to register for online banking access, contact us to gain immediate access to your e-Statements, e-Documents, bill payments, and other convenient services.

MasterCard Statements: MasterCard statements will not be mailed during the potential postal strike. To access your electronic MasterCard statement, log in or register for access here:

March 4th, 2016

In November of 2015, Manulife Bank completed the deployment of their over 800 surcharge-free ATMs to THE EXCHAGE Network in select Mac's Couche-Tard, and Circle K locations across Canada. We are proud to announce that these formerly cash-dispensing only ATMs now have the functionalities of PIN change, transfers, and inquiries for all Exchange Network carhdolders. The Exchange Network ATM database has been updated accordingly so cardholders can easily search for the right ATM, whether it be online, with our free ATM Locator App, or with their GPS device. This is an extremely convenient and safe option for changing your PIN when you can't easily get to your home branch.

March 1st, 2016

Community First has partnered with Everlink to provide the new standard in contactless debit cards to our members. Click here to read the press release from Everlink.

December 17th, 2015

SPECIAL NOTICE: There have been changes to the 2015 Canada Revenue Agency RRIF Minimums

The 2015 Federal Budget released measures to reduce the withdrawal factor for Registered Retirement Income Funds (RRIFs) for annuitants between the ages of 71 and 94. These changes are effective retro-actively to January 1st, 2015. To learn more about these changes, read the Frequently Asked Questions, visit our RRIF Information Page, or Contact Us to schedule an appointment to discuss your retirement income options.


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