The New to Canada Program contains the following benefits for qualifying members. These offers can be utilized separately, or as part of a complete package.

Requirements

• Member must be a permanent or temporary resident of Canada and have lived in Canada for 5 years or less (must show proof).
• New is defined as not having a membership with Affinity within the preceding 18 months.
• International Students may also qualify for the program.
• Primary account holder must be at least 18 years of age.
• Must subscribe to a $5.00 membership share with Affinity Credit Union.
• Must not be receiving benefits or have agreed to receive benefits under any other offer with Affinity Credit Union.
• This offer is subject to change and may be cancelled at a date in the future. Once the offer has been removed from Affinity Credit Union’s website, this will constitute the official end of the offer period.

Incentives

Any or all of the following incentives may be selected:

1. Welcome Bonus: The primary account holder is eligible to receive a Welcome Bonus of $400.00 upon set up of an Unlimited package on a Maximizer chequing account. Account must be in good standing to redeem this welcome bonus.

• Limit of one welcome bonus per member/joint member (only the primary member will receive the welcome bonus).
• Primary or joint member must set up at least one (1) recurring electronic pre-authorized credit (PAC) and at least one (1) recurring electronic pre-authorized debit (PAD), verified through the account within 90 days of setting up the new Unlimited Maximizer chequing account.
• The recurring electronic pre-authorized transactions must also be maintained for a minimum of at least six (6) months from the date of the second electronic pre-authorized transaction date to be eligible for the Welcome Bonus.
• Affinity Credit Union reserves the right to deem what qualifies for a recurring electronic pre-authorized transaction.
• Examples of qualifying electronic pre-authorized electronic transactions may include any of the following:
  • Payroll
  • Government payments
  • Utility payments
  • Rent payment/condo fees
  • Membership fees

2. 24-month Account Package Fee Waiver: The primary account holder is eligible for a monthly fee waiver on tier chequing Unlimited Maximizer account for the first 24 months from the time of account opening.

• Applies only to members who open an Unlimited package on a chequing account.
• Potential maximum savings of $156.00 per year ($312.00 over two (2) years).
• Monthly fees will begin after completion of the 24-month promotional period. 

3. Bonus Investment Rate: Affinity will offer specialty pricing rates on any new personal fixed term, non-redeemable investment (new money or transfer-in) that are funded within one (1) year from membership opening date.

• Eligible investments can be in non-registered GIC, RRSP, FHSA, TFSA and RRIF.
• Cannot be combined with any other promotional rate offer.
• Investments are non-redeemable and must be held until maturity.
• Minimum investment of $500.00.
• Maximizer, Investor Savings and Everyday Savings accounts do not qualify for the bonus investment rate offer.

4. Lending Rates: Affinity offers competitive rates and subject to credit approval, will waive any application fee to loans approved and advanced within one year from membership opening date.

• Subject to credit approval.

5. Personalized Cheques: Affinity will provide up to a maximum of 48 personalized cheques to members who open an Unlimited Maximizer account under the terms of this program.

• Cheques will be produced in the Advice Centre for the member.
• Offer applies to primary Unlimited Maximizer chequing account holder only.

6. Safety Deposit Box: Members who qualify under the New to Canada program will have the annual fees waived for one (1) safety deposit box of any size at any Affinity Credit Union advice centre.

• The annual fee will be waived for a period of one (1) year from the membership opening date.
• Subject to availability.
• Waived fees are limited to one (1) safety deposit box per member/joint member.

7. Qtrade Direct Investing: Members ages 18-30 can take advantage of the Young Investor program.

• High balance and active traders can take advantage of Investor Plus program.
• Members who sign up for a Qtrade Direct Investing account and transfer in $15,000.00 or more, will have their transfer fees covered up to $150.00 by Qtrade.

8. Qtrade Guided Portfolios: Regular pricing applies.

• Members who sign up for a Qtrade Guided Portfolios account and transfer in $25,000.00 or more will have their transfer fees covered up to $150.00 by Qtrade.

9. Bonus Credit Card Points

• Receive a bonus of 50,000 Affinity Rewards™ welcome points, in addition to the standard welcome points, when you are approved for any consumer Affinity Mastercard®.
• Eligible cards include:
  • Affinity Mastercard® (10,000 standard welcome points – $10 value)
  • Affinity World Mastercard® (50,000 standard welcome points – $50 value)
  • Affinity World Elite® Mastercard® (150,000 standard welcome points – $150 value)
• New members will also receive an additional 50,000 welcome points ($50 value) in Affinity Rewards™ on top of the standard welcome offer.
• This offer applies to selected new approved consumer credit card accounts only. The bonus welcome points apply to the following participating products: Affinity Mastercard®, Affinity World Mastercard® and Affinity World Elite® Mastercard®. Offer applies to newly approved card accounts only.
• Card account must be activated and in good standing at the time the welcome points are awarded.
• 'New' credit card accounts are defined as cards that have been applied for between January 2, 2026 and December 31, 2026, and approved by Affinity Credit Union.
• Limit of one welcome points reward applied per membership.
• Welcome points will be awarded to the primary cardholder within 90 days of being approved.

Terms and conditions effective January 2, 2026.

The New to Canada Program contains the following benefits for qualifying members. These offers can be utilized separately, or as part of a complete package.

Requirements

• Member must be a permanent or temporary resident of Canada and have lived in Canada for 5 years or less (must show proof).
• New is defined as not having a membership with Affinity within the preceding 18 months.
• International Students may also qualify for the program.
• Primary account holder must be at least 18 years of age.
• Must subscribe to a $5.00 membership share with Affinity Credit Union.
• Must not be receiving benefits or have agreed to receive benefits under any other offer with Affinity Credit Union.
• This offer is subject to change and may be cancelled at a date in the future. Once the offer has been removed from Affinity Credit Union’s website, this will constitute the official end of the offer period.

Incentives

Any or all of the following incentives may be selected:

1. Welcome Bonus: The primary account holder is eligible to receive a Welcome Bonus of $400.00 upon set up of an Unlimited package on a Maximizer chequing account. Account must be in good standing to redeem this welcome bonus.

• Limit of one welcome bonus per member/joint member (only the primary member will receive the welcome bonus).
• Primary or joint member must set up at least one (1) recurring electronic pre-authorized credit (PAC) and at least one (1) recurring electronic pre-authorized debit (PAD), verified through the account within 90 days of setting up the new Unlimited Maximizer chequing account.
• The recurring electronic pre-authorized transactions must also be maintained for a minimum of at least six (6) months from the date of the second electronic pre-authorized transaction date to be eligible for the Welcome Bonus.
• Affinity Credit Union reserves the right to deem what qualifies for a recurring electronic pre-authorized transaction.
• Examples of qualifying electronic pre-authorized electronic transactions may include any of the following:
  • Payroll
  • Government payments
  • Utility payments
  • Rent payment/condo fees
  • Membership fees

2. 24-month Account Package Fee Waiver: The primary account holder is eligible for a monthly fee waiver on tier chequing Unlimited Maximizer account for the first 24 months from the time of account opening.

• Applies only to members who open an Unlimited package on a chequing account.
• Potential maximum savings of $156.00 per year ($312.00 over two (2) years).
• Monthly fees will begin after completion of the 24-month promotional period. 

3. Bonus Investment Rate: Affinity will offer specialty pricing rates on any new personal fixed term, non-redeemable investment (new money or transfer-in) that are funded within one (1) year from membership opening date.

• Eligible investments can be in non-registered GIC, RRSP, FHSA, TFSA and RRIF.
• Cannot be combined with any other promotional rate offer.
• Investments are non-redeemable and must be held until maturity.
• Minimum investment of $500.00.
• Maximizer, Investor Savings and Everyday Savings accounts do not qualify for the bonus investment rate offer.

4. Lending Rates: Affinity offers competitive rates and subject to credit approval, will waive any application fee to loans approved and advanced within one year from membership opening date.

• Subject to credit approval.

5. Personalized Cheques: Affinity will provide up to a maximum of 48 personalized cheques to members who open an Unlimited Maximizer account under the terms of this program.

• Cheques will be produced in the Advice Centre for the member.
• Offer applies to primary Unlimited Maximizer chequing account holder only.

6. Safety Deposit Box: Members who qualify under the New to Canada program will have the annual fees waived for one (1) safety deposit box of any size at any Affinity Credit Union advice centre.

• The annual fee will be waived for a period of one (1) year from the membership opening date.
• Subject to availability.
• Waived fees are limited to one (1) safety deposit box per member/joint member.

7. Qtrade Direct Investing: Members ages 18-30 can take advantage of the Young Investor program.

• High balance and active traders can take advantage of Investor Plus program.
• Members who sign up for a Qtrade Direct Investing account and transfer in $15,000.00 or more, will have their transfer fees covered up to $150.00 by Qtrade.

8. Qtrade Guided Portfolios: Regular pricing applies.

• Members who sign up for a Qtrade Guided Portfolios account and transfer in $25,000.00 or more will have their transfer fees covered up to $150.00 by Qtrade.

9. Bonus Credit Card Points

• Receive a bonus of 50,000 Affinity Rewards™ welcome points, in addition to the standard welcome points, when you are approved for any consumer Affinity Mastercard®.
• Eligible cards include:
  • Affinity Mastercard® (10,000 standard welcome points – $10 value)
  • Affinity World Mastercard® (50,000 standard welcome points – $50 value)
  • Affinity World Elite® Mastercard® (150,000 standard welcome points – $150 value)
• New members will also receive an additional 50,000 welcome points ($50 value) in Affinity Rewards™ on top of the standard welcome offer.
• This offer applies to selected new approved consumer credit card accounts only. The bonus welcome points apply to the following participating products: Affinity Mastercard®, Affinity World Mastercard® and Affinity World Elite® Mastercard®. Offer applies to newly approved card accounts only.
• Card account must be activated and in good standing at the time the welcome points are awarded.
• 'New' credit card accounts are defined as cards that have been applied for between January 2, 2026 and December 31, 2026, and approved by Affinity Credit Union.
• Limit of one welcome points reward applied per membership.
• Welcome points will be awarded to the primary cardholder within 90 days of being approved.

Terms and conditions effective January 2, 2026.