Call Now : 613 236 1222 ext.4584

What's New

 Dear Member, As you know, the Ottawa Police Credit Union (OPCU) was purchased by Frontline Financial Credit Union on June 30, 2021. Although the transaction has already been completed legally, our banking systems will merge on Feb. 12, 2022, and we look forward to welcoming you at our branch at 365 Richmond Road as well as 474 Elgin Street for any of your financial needs.

Download Banking Merger Update Notice

Posted July  05, 2021

It’s Official, June 30th, OPCU officially merged with Frontline Credit Union”
Same Great staff – expanded locations and services are what are in store.


Posted June 11, 2021

Special meeting in relation to the proposed Asset Purchase Agreement with Frontline Credit Union-  Your vote counts.

View Notice of Special Meetings of Members

View OPCU- membership resolution certified

April 21, 2021 

Why are we merging with Frontline Credit Union?
This is an excellent strategic fit for our Credit Union as it will further strengthen our long term viability and improve our offering to our membership. We have been under increasing pressures over the past few years to meet a growing regulatory burden, keep up with technology advancements and an ever increasingly competitive environment. Within our small but extremely dedicated group of staff of the Ottawa Police Credit Union we continue to be stretched beyond what is possible and foresee a time when we will no longer be able to satisfy all of our stakeholders.
Our vision to provide exceptional banking services and products to our policing family continues to be our main driver. To ensure future sustainability, it only makes sense to merge or be acquired by a larger organization. Our focus now is to chose a partner who will maintain our culture of personal service and commitment, staying local and providing for a brighter tomorrow.

Who is Frontline Credit Union?
Frontline Credit Union is an Ottawa based credit union that was established in 1948 under the name of Ottawa Fire Fighter’s Credit Union which was subsequently changed to Frontline Credit Union in 2006. This name change came after merging with other likeminded credit unions which include Ottawa Hydro Employees Credit Union in 2002 and Regional Health Credit Union in 2006. They encompass bonds of frontline workers like Firefighters, Hospital Staff including nurses, doctors, and support staff at all Ottawa area hospitals and hydro workers and their families. Their main branch is located at 365 Richmond Road with a secondary branch (Advice Hub) at the Ottawa Hospital Civic Campus.

Why an Asset Purchase agreement rather than a merger?
Mergers are usually arranged when the two parties are of equal size. The Ottawa Police Credit Union is approximately 15% of the size of Frontline Credit Union which makes an Asset Purchase a much more agreeable arrangement.

What will happen to our Branch?
The branch at 474 Elgin Street will remain as is with the signage changing to Frontline with a subtitle Ottawa Police Branch.

What happens to our Employees?
This has been one of our utmost concerns in the discussions to date with all of our existing staff staying employed within the combined organization for a minimum of two years with salaries and benefits at least equal to their existing levels. The will benefit from an improved vacation allowance, a performance bonus incentive program based on semiannual reviews and personal development plans.

Will we have board Representation in the new structure?
Membership on the board of any credit union is open to all members of the credit union. This is one of the strengths of the credit union movement and will continue to be the case for the foreseeable future. We have managed to secure one dedicated seat which will be filled by one of our existing board members for a minimum of two years.

What additional services/products will we get from this arrangement?
There are many additional advantages for our membership with the proposition including new mobile applications, an expanded and more modernized web presence, a dedicated Wealth management team consisting of 4 individuals who do only Wealth Management through our same provider, Credential, a dedicated team of lending specialists who utilize a state of the art lending platform for quick decisioning and turn around, a wide range of loan, deposit and account packages at superior pricing with attractive features. In all respects our membership will be well served by the new organization in a more fulsome way with current and expanding technologies made possible simply by the scalability of the new organization.

What will happen to my existing banking relationship with the Ottawa Police Credit Union including my account, pre-authorized transactions, cheques, my bank card etc?
Your existing relationship with the Ottawa Police Credit Union will remain the same and you will continue to be served by the staff that you have come to know over the years. The finishing touches are still being finalized on account details but rest assured you will continue to have uninterrupted service.

Will our Credit Card provider change again?
No. Collabria works with both of our organizations to provide credit card services. Currently we provide the Mastercard product line, Frontline offer the VISA product line. In fact our joint membership will have greater options due to this change.

Will mortgage rates be better and limits higher?
Yes. Frontline offers very competitive pricing and higher limits on their credit products. Due to their size they are able to offer high mortgage limits as well.

Will investment rates be higher than what is currently offered?
Frontline has access to wholesale pricing on their investment offers which means they will be able to be more competitive than we presently are.

Will my Bank card with the Ottawa Police Credit Union continue to work on completion of the transaction?
All members with existing debit cards will be issued replacement cards in advance of June 30th with cards being delivered through Canada Post.

Will my existing loan/mortgage/loc rate change?
All credit facilities will be reviewed and repriced more attractively should the file warrant it. All credit files are typically reviewed annually with pricing tied to the strength of the file. This will be different for each and every member. For the vast majority of our membership, we expect that the pricing will improve.

What will be the name of the New Organization?
The name will be Frontline Credit Union – Ottawa Police Branch

April, 21 2021 

Now Accepting applications
For the Board of Directors of
The Ottawa Police Credit Union

Interested parties are to advise the General Manager
And provide a resume outlining

Votes to be held at our AGM on April 29th, 2021.

April 21, 2021

Merger Announcement>

Download PDF here. 

We now have the info on the system for the 64th  Annual General Meeting 

The actual interest rate can be as high as 10%, how?

  • You may have to forgo the dealer incentives and/or factory or other rebates
  • Your choice may be limited to certain models, model years or cars on the lot
  • You may have to pay the full sticker price
  • Your term of loan may be limited

With a Pre-aproved New Car Loan you can….

  • Choose the vehicle you want
  • Take advantage of the dealer incentives and/or factory rebates
  • Negotiate the best possible car price

Contact us Today!!!

We are very pleased to inform you that 68 new credit unions will be joining The Exchange ATM network shortly.  The 68 credit unions are from the provinces of Nova Scotia, Prince Edward Island, Newfoundland/Labrador and New Brunswick and bring 139 additional ATMs to the network.  Coast to coast this will bring our total number of ATMs to slightly over 1,800.
These new credit unions will be connected by September 30th providing access to other credit unions. 

In addition to Ontario credit union ATMs, THE EXCHANGE(R) Network includes most credit unions in British Columbia, Citibank Canada, Manulife Bank of Canada, HSBC Bank Canada, Canadian Western Bank and the National Bank of Canada. Credit union members who use THE EXCHANGE(R) ATMs versus conventional ATM networks will save an average of $1.50 per transaction.

Ottawa Police Association
141 Catherine Street
Ottawa, Ontario
To be determined due to the COVID – 19 Virus

5:30 PM

Business Agenda

Registration and reception of members
Minutes of the 64thd Annual General Meeting
Report of the Chair of the Board of Directors
Report of the Audit Committee
Report of the General Manager
Report of the Loan Officer
Report of the Auditors
Unfinished Business
New Business
: Appointment of Auditors
: Election of Board Members

Nominations for Board of Directors

Two Positions for re-elections

Candidates interested in running for the Board of Directorss position must declare this interest , in writing, at least ten (30) business days prior to the election. (To be determinded due to the COVID – 19 Virus)

Candidates must be qualified in accordance with the Act, and must be of good character – which includes not being under criminal investigation.

Each candidates candidacy will be reviewed by a nominating committee of three members appointed from/by the Board.  None of the nominating committee members can be up for re-election

Candidates who are deemed ineligible for election will not have their name put forward for further consideration and they shall be promptly notified of this decision.

Candidates wishing to challenge the decision of the nominating committee can appeal the Board of Directors – whose ruling shall be considered final.

Nominations will be put forth to the membership at the 64th Annual General Meeting.  A vote by the membership will be completed by the way of ballot and the results tabulated by the accounting firm of McCay, Duff & Company.

If there are any concerns or additional information required, please feel free to contact, Scott Brown (Board Director), or Jamie Dunlop (Board Director)  of the Ottawa Police Credit Union Limited.

Scott Brown                               

Jamie Dunlop                                       jdunlop@ottawa

We can now order foreign exchange currency, to be delivered here to the branch.

A notice of the elections shall be posted at the Credit Union sixty (60) days prior to an election for any Board of Directors position.

Candidates interested in running for a Board of Directors position must declare this interest, at least thirty (30) days prior to the election.  This posting shall also include the policy herein:

Candidates must be qualified in accordance with the Act, and must be of good character, which includes not being under criminal investigation and / or not having a criminal record.

Each candidates candidacy will be reviewed by a “nominating committee” of three members appointed from the Board,  None of the nominating committee members can be up for re-election.

Candidates who are deemed ineligible for election will not have their name put forward for further consideration and they shall be promptly notified of this decision.

Candidates wishing to challenge the decision of the nominating committee can appeal the Board of Directors – whose ruling shall be considered final.

Friday April 10th 2020 & Monday April 13th 2020 for Easter.

At vero eos et accusamus et iusto odio digni goikussimos ducimus qui to bonfo blanditiis praese. Ntium voluum deleniti atque.