Credit unions · Alberta
Alberta credit union deposit insurance
Deposits at provincially regulated Alberta credit unions are protected by the Credit Union Deposit Guarantee Corporation: 100% of deposits, including accrued interest — no dollar limit for non-registered deposits. Federal credit unions are covered by CDIC instead. Below: the insurer’s rules for registered deposits, how to complain, and the province’s credit unions.
Checked October 30, 2026How much of my money is protected at a Alberta credit union?
Worked example — non-registered deposits at one Alberta credit union
| Deposit | Amount | Protected | Not protected |
|---|---|---|---|
| $50,000 in your own name at one Alberta credit union | $50,000 | $50,000 | $0 |
| $150,000 in your own name at one Alberta credit union | $150,000 | $150,000 | $0 |
| $300,000 in your own name at one Alberta credit union | $300,000 | $300,000 | $0 |
Alberta protects eligible deposits in full, so the amount doesn’t change the answer. Federal credit unions in Alberta are covered by CDIC instead, at $100,000 per category.
| Alberta | |
|---|---|
| Insurer | Credit Union Deposit Guarantee Corporation (CUDGC) |
| Non-registered deposits | 100% of deposits, including accrued interest — no dollar limit |
| Registered deposits | 100% — no dollar limit |
| Complaints | Alberta credit unions offer OBSI to their members. |
Good to know
- The Government of Alberta says the Credit Union Act requires it to ensure CUDGC’s obligations are carried out.
- ATB Financial is not a credit union: its deposits and interest are guaranteed directly by the Alberta government under the ATB Financial Act.
- ABCU Credit Union left the provincial system on April 1, 2026, merging into Innovation Federal Credit Union, a CDIC member.
Profiles in our directory
How AB compares with CDIC
Alberta credit union deposits have no dollar cap, while CDIC covers up to $100,000 per category at each member. A federal credit union in Alberta would be CDIC-insured instead.
Check whether your credit union is provincial or federal before relying on these limits — the directory shows each one.
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