Two Factor Authentication for Online Banking & Mobile App: LIVE!
At VantageOne Credit Union, we’re constantly strengthening the tools we use to protect you, your account information, and your digital transactions. We are pleased to announce that Two Factor Authentication (2FA) for online banking is coming soon!

What is 2FA?
2FA is a more secure way to login to Online Banking and the mobile app, protecting your account from unauthorized access. Rather than answering security questions, you’ll be sent a single-use code by SMS text or email. There will be no need to remember any answers to security questions when logging in online!

What are the benefits of 2FA?

  • Two-Factor Authentication is an industry-wide standard that ensures safe and secure logins to Online Banking.
  • It is an extra layer of protection to ensure you’re the only person who can access your online banking or mobile app.
  • In addition, it prevents fraudsters from being able to access your account in the event of your login credentials being compromised (lost or stolen).

Is enrolment for 2FA mandatory for all members?
Yes. Everyone must enroll for 2FA to continue to use online banking, this includes the mobile app.

How long is the grace period during which customers can defer enrolment in 2FA?
You will have 30 days to decline set up of 2FA, once 30 days have passed, you must sign up for 2FA to continue to use online banking.

What is a Personal Access code (PAC)?
Your Personal Access code, or PAC for short, is your password to access online banking!



With contactless payment options more important and convenient than ever, VantageOne Credit Union members now have access to higher Interac Flash transaction limits. With a quick and easy ‘set-up’ on your existing debit card, you can now tap and pay for purchases up to $250, with a cumulative total of $400.

*Some merchants may have set different contactless limits than up to $250 (per flash transaction)


How do I activate the new transaction limits on my current VantageOne debit card?

  • You must complete three consecutive contact point of sale (POS) transactions with your chip and PIN. They can be at the same merchant terminal or at different merchant terminals. (Important to note that ATM transactions do not count!). After those three transactions, your Interac Flash limits will be automatically increased.

What happens when I reach the cumulative total of $400?

  • After your cumulative (tap) limit of $400 is reached, you will be asked to insert your debit card and enter your PIN during your next transaction. By entering your PIN, your cumulative Interac Flash limit will be reset back to $0, and you can continue using tap for payments.

What if I don’t want to increase my Flash transaction limit more than my current limit of $100?

  • Unfortunately, we cannot adjust flash limits. However, we can reduce your daily point-of-sale and ATM limits. Please call our Solutions Centre team Toll Free at 1.888.339.8328 to request this change.

Is Interac Flash secure?

  • Technology – It leverages the secure chip technology and unique Interac Flash functionality to keep their data, and finances safe.
  • Limits – Interac Flash purchases are limited to $250 per time. Plus, users must enter the card’s PIN after $400 in Interac Flash purchases. This verifies the correct person has the card.
  • Zero liability – Members will not be liable for losses resulting from circumstances beyond their reasonable control when using Interac Debit, Interac Flash, cross-border debit and Interac Online service. This includes the losses resulting from technical errors, system problems or fraud.

The payment of Patronage Rebates and Dividends is a form of profit-sharing unique to co-operatives like credit unions. The more business you do with our credit union, the more you see returned!

It’s a great time to be a member of a VantageOne Credit Union! We are pleased to announce the payment of PAYBACK Patronage Rebates to our members for the 2022 fiscal year. PAYBACK Patronage Rebates were calculated as follows:

1. Rebate on Deposit Interest of 10%
Example: If a member earned a total of $100 in interest on all their deposits with the Credit Union in 2022 they would receive a $10 patronage rebate.

2. Rebate on Service Charges of 30%
Example: If a member has a $20 per month package account and incurred a total of $240 in month-end service charges in 2022 they would receive a $72 patronage rebate.

3. Member Dividend of 7%
Paid to members in March 2023.

We are pleased to announce the payment of PAYBACK Patronage Rebates and dividends to our members for the 2022 fiscal year that total $423,720.00!

Let’s Celebrate!

Next week starting on July 10th, our branches are hosting a celebration in honour of this historic pay-out and our 79th anniversary! Drop by to visit our staff as we celebrate one of the exceptional benefits of membership in our credit union…profit-sharing!

It’s never been a better time to be a member of a VantageOne Credit Union. CONGRATULATIONS!


We keep your money safe. Deposits are 100% insured by the Credit Union Deposit Insurance Corporation of British Columbia (CUDIC). Learn more


Questions about your PAYBACK Patronage Rebates or Dividends? Contact us

NOW CLOSED – Thank you for your feedback!

We appreciate your business and want to make sure we meet your expectations. As our members, you are our owners and this makes your feedback essential to us!

In our survey, we will be asking questions about your overall experience with our Commercial Services team and your business outlook and priorities. You will also have the opportunity to leave your own comments and feedback in multiple areas throughout the survey.

Is there a prize draw?
By taking our survey, you will also be entered into our draw for 3 prizes of $125 each in gift cards to support local businesses.

Will I be contacted after I fill this out?
Only those who wish to be contacted or are winners of a prize will be contacted by VantageOne. 

The survey has 15 questions and may take approx 10 minutes to complete. This survey closes on May 28, 2023.

(survey is now closed, thank you!)

Thank you to those members who voted in our 2023 Board of Directors election!

The election closed on April 28, 2023, and the results are below:

  • Juliette Cunningham (incumbent)    125 votes
  • Rodney Goodchild    107 votes
  • Judy Hughes    96 votes

Welcome to the board, Juliette Cunningham and Rodney Goodchild!

All members are invited to attend!

May 10, 2023
7:00 pm
Registration begins at 6:30 pm
Prestige Hotel, 4411 32nd Street, Vernon

2022 Annual Report

Dear Valued Members,

We are pleased to provide you with a solid update for VantageOne as we emerge from a crazy few years of pandemic. Your credit union has proved strong as our team navigates the constant changes in how our world operates.

Within this spring newsletter we will share information about the economy that is proving more resilient than many expected. We will also outline changes to our rules that will keep us current with evolving legislation, review the increased security for online banking happening this year, provide information on new director candidates, and highlight the significantly improved results for your credit union….

Join more than one million British Columbians who choose a credit union.

Security, reliability, and trust is what we promise you at VantageOne, plus our local guarantee:

    • When things have to “go up the ladder for approval”, that means it starts and ends right here in Vernon, Armstrong, Peachland or Edgewood. Our ladder doesn’t stretch across Canada, awaiting a delayed response from someone in another time zone who has no understanding of what it’s like to live here. We decide, right here.

      When you visit us, you are dealing directly with staff who live, work and play in the local communities. When you call us, you are reaching our staff right here, not a call centre based in Ontario or another region.

      When you bank here, your funds stay here to support businesses in our area with loans, planning and advice. Check out our local business spotlights.

      Community programs are enriched through donations, volunteers, funding support and financial ability education. Your money helps make this possible!

      We offer omnichannel technology services for our members with a focus on making them accessible and easy to use. Our channels include; mobile app, online banking, Solutions Centre call centre, EasyConnect live video call and online chat & more!

And, when you choose VantageOne Credit Union, your deposits are fully protected by the Credit Union Deposit Insurance Corporation of British Columbia (CUDIC).

Learn more here


VantageOne Credit Union is a BC Financial Services Authority authorized credit union and is covered by the Credit Union Deposit Insurance Corporation of British Columbia (CUDIC)

Note: Promo ended on March 1, 2023.


Making an RRSP contribution helps you save on taxes – you may even get a tax refund. But what happens if you don’t have enough money to make a contribution? Should you borrow through an RRSP loan? Read below to learn more.

How can an RRSP Catch Up Loan help me?

Putting away money for your RRSP can be difficult, especially if you’re dealing with bills, credit card debt, and other life commitments that don’t allow you the time or money to focus on your retirement goals. If you fear you will not be able to contribute to your RRSP this coming year, then the RRSP Catch Up Loan is the option for you. It allows you to borrow money at low rates in order to keep contributing to your RRSP.* 

What are the benefits of a VantageOne RRSP Catch Up Loan?

Using an RRSP loan can be a powerful strategy to boost your RRSP contributions and build your retirement portfolio. The RRSP Catch Up Loan allows you to fill up this contribution room while reaping the rewards of the tax benefits. Plus, with VantageOne you get these extra benefits:

  • local approvals
  • competitive rates – check out our special offer below!
  • weekly, bi-weekly or monthly repayment terms
  • & more!

Current Rates*

  • • 1 year term loan insured – 6.00%*
  • • 1 year term loan uninsured – 6.05%*

Talk to one of our local experts to discuss all things retirement and how we can help you reach your goals!  Contact Us


Local business matters to VantageOne, and it always has. We have been committed to helping grow our members, local businesses and communities since 1944.

As part of our commitment to supporting local businesses, our commercial services team is highlighting some of our outstanding local business members. This month we are shining the spotlight on Kekuli Bay Cabinetry to share more about their business and how VantageOne Credit Union has helped them grow.

Tell us a bit about your business and history.

In 1998 we owned four furniture stores. We were not happy with the quality and service we were receiving so we decided we could do a better job if we manufactured our own. We leased a 10,000-square-foot building in Salmon Arm, bought all the machinery we thought we needed, and hired 6 employees. We called this company Huber’s Heritage Furniture.

Within two years we had 20 employees and we were bursting at the seams but had to tough it out because we signed a five-year lease. In 2003 we bought a 25,000-square-foot building on 2 1/2 acres in the Swan Lake Industrial Park. We then had 30 employees. In 2009 we saw there was an opportunity for another kitchen cabinet manufacturer here in the Valley so we gradually switched from furniture to cabinets. We called this new company Kekuli  Bay Cabinetry. Over the years we have added more space to our building. We are now maxed out at 50,000 ft.². Currently, we have 55 employees and provide cabinets to Vancouver, Interior BC, and as far East as Regina, SK.

What do you love most about being in Vernon?

What we love the most about Vernon is that it is a small town and even though it is growing it still has that small-town feel. People are friendly and supportive and I believe they try to support and deal with locals. It’s so beautiful here. Why wouldn’t you love it?!?

If you could give one piece of advice to new business owners or those thinking of starting a business what would it be?

If I could give one piece of advice to a new business owner or anyone thinking of starting a new business it’s this….
“Build a relationship with a local credit union (like VantageOne!) and find a good accountant and lawyer.
One other thing I’d like to add… Do not be afraid of the RC factor [resistance to change].”

How has VantageOne helped you start, succeed or grow your business?

In 2005 when we decided to buy our building we approached all the big banks for a mortgage. They all turned us down. We approached VantageOne Credit Union and because they were local and knew about us and our company they were more than happy to help us out. Over the years they have been a crucial part of our business and over time we have moved all our business and personal accounts over to them. VantageOne stepped up when we most needed them and has helped us grow our business over the years and to that we say “Thank You!!!”

Owners: Ed Huber Jr., Bonnie Huber, Ed Huber Sr.