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Cookie notice

Learn about how we use cookies and similar technologies on our website.

Effective date: February 10, 2026

This Cookie Notice explains how Creative Arts Financial, a division of FirstOntario Credit Union Ltd. (“we,” “us,” or “our”), uses cookies and similar technologies on our website (the “Website”). This notice should be read in conjunction with our Privacy Notice.

Third-party cookies

We may allow third-party service providers, such as analytics and advertising networks, to place cookies on our Website. These third parties may collect information about your online activities over time and across different websites. We do not control these third-party cookies, and you should consult the respective privacy policies of these third parties for more information.

How to manage your cookie preferences

You can manage your cookie preferences through your browser settings. Most browsers allow you to accept or reject all cookies or choose which types to accept. You can also delete cookies that have already been set. However, if you disable or delete certain cookies, some parts of the Website may not function correctly.

  • Accept all cookies: By clicking “Accept all cookies,” you consent to all cookies, including necessary, functional, performance, and targeting.
  • Manage cookie preferences: By clicking “Manage cookie preferences,” you can select which categories of cookies you wish to allow.

Changes to this cookie notice

We may update this Cookie Notice from time to time. Any changes will be posted on this page with a revised “Effective Date.” We encourage you to review this Cookie Notice periodically to stay informed about our use of cookies.

Open a business account

If you’re new to Creative Arts Financial, book a virtual appointment to get started on your membership application.

Book an appointment

Already a member? Contact us to open a new account.

Become a business member

If you’re new to Creative Arts Financial, book a virtual appointment to get started on your membership application.

Book an appointment

You can also apply online through our self‑serve platform, powered by FirstOntario Credit Union. Select Creative Arts in the Preferred branch drop‑down.

Become a member

If you’re new to Creative Arts Financial, book a virtual appointment or complete your membership application online.

Book an appointment
Business U.S. Dollar Investment Savings account

Balance
Rate*

Balance

All balances
Rate*

0.20%
* Per annum rate. Rate and terms subject to change without notice. Conditions apply.
Business Savings account

Balance
Rate*

Balance

$0 – $100,000.00
Rate*

1.55%

Balance

$100,000.01 – $250,000.00
Rate*

1.60%

Balance

$250,000.01 – $500,000.00
Rate*

1.70%

Balance

$500,000.01 – $750,000.00
Rate*

1.80%

Balance

$750,000.01 – $1,000,000.00
Rate*

1.90%

Balance

$1,000,000.01 – $2,500,000.00
Rate*

2.00%

Balance

$2,500,000.01+
Rate*

2.10%
* Per annum rate. Rate and terms subject to change without notice. Conditions apply.

Open an account

If you’re new to Creative Arts Financial, book a virtual appointment or complete your membership application online.

Book an appointment

Already a member? Log in to online banking.

Creative Arts Financial is closed on the following days

Wednesday, July 1, 2026 Canada Day
Monday, August 3, 2026 Civic Holiday
Monday, September 7, 2026 Labour Day
Wednesday, September 30, 2026 National Day for Truth and Reconciliation*
Monday, October 12, 2026 Thanksgiving Day
Wednesday, November 11, 2026 Remembrance Day*
Thursday, December 24, 2026 Christmas Eve**
Friday, December 25, 2026 Christmas Day
Monday, December 28, 2026 Observation of Boxing Day*
Thursday, December 31, 2026 New Year's Eve**
Friday, January 1, 2027 New Year's Day 2027
* Member Service Centre, Member Solutions Team and Personal Assisted Tellers will be available from 8 a.m. to 5 p.m. ** On December 24 and December 31, branches will close at 1 p.m. Our Member Service Centre and Personal Assisted Teller services will be available from 7 a.m. to 4 p.m. and the Member Solutions Team can be reached from 8 a.m. to 4 p.m.
U.S. Dollar Investment Savings account

Balance
Rate*

Balance

All balances
Rate*

0.15%
* Per annum rate. Rate and terms subject to change without notice. Conditions apply.
Daily Interest Savings account for seniors (60+)

Balance
Rate*

Balance

$0 – $1,000.00
Rate*

0.05%

Balance

$1,000.01 – $5,000.00
Rate*

0.05%

Balance

$5,000.01 – $10,000.00
Rate*

0.05%

Balance

$10,000.01+
Rate*

0.05%
* Per annum rate. Rate and terms subject to change without notice. Conditions apply.
Investment Savings account

Account options
Rate*

Account options

Non-registered savings
Rate*

0.30%

Account options

TFSA investment savings
Rate*

0.60%

Account options

FHSA investment savings
Rate*

3.20%

Account options

RRSP investment savings
Rate*

0.05%

Account options

RRIF investment savings
Rate*

0.05%
* Per annum rate. Rate and terms subject to change without notice. Conditions apply.
Daily Interest Savings account

Balance
Rate*

Balance

$0 – $1,000.00
Rate*

0.05%

Balance

$1,000.01 – $5,000.00
Rate*

0.05%

Balance

$5,000.01 – $10,000.00
Rate*

0.05%

Balance

$10,000.01+
Rate*

0.05%
* Per annum rate. Rate and terms subject to change without notice. Conditions apply.
High Interest eSavings account

Balance
Rate*

Balance

$0 – $100,000.00
Rate*

0.60%

Balance

$100,000.01 – $200,000.00
Rate*

0.75%

Balance

$200,000.01+
Rate*

0.80%
* Per annum rate. Rate and terms subject to change without notice. Conditions apply.apply.