Compare by province and territory

Where you live changes who insures your deposits, who sells basic car insurance and which credit unions you can join. Pick your province or territory to see the rules and the offers confirmed there.

• Manitoba

  Manitoba is one of the few provinces where credit union and caisse deposits are guaranteed in full by a provincial body, and basic auto insurance is sold only through the public insurer, Manitoba Public Insurance. Banks still follow federal rules, so bank deposits are covered by CDIC up to its limits.

  Cities: Winnipeg, Brandon

• Ontario

  In Ontario, credit unions are regulated by the Financial Services Regulatory Authority of Ontario (FSRA), which also insures their eligible deposits. Car insurance is sold by private insurers under FSRA rules, so prices vary widely and shopping around matters.

  Cities: Toronto, Ottawa

• Quebec

  Quebec has its own financial regulator, the Autorité des marchés financiers (AMF), which insures deposits at Quebec institutions such as Desjardins caisses. Bodily injury from car accidents is covered by the public SAAQ plan, while property damage coverage is bought from private insurers.

  Cities: Montreal, Quebec City

• British Columbia

  British Columbia guarantees credit union deposits in full through the Credit Union Deposit Insurance Corporation of BC, and basic auto insurance comes only from the public insurer ICBC. Banks fall under CDIC.

  Cities: Vancouver

• Alberta

  Alberta credit union deposits are guaranteed in full by the Credit Union Deposit Guarantee Corporation, and deposits at ATB Financial are guaranteed by the Government of Alberta. Car insurance is sold by private insurers.

  Cities: Calgary, Edmonton

• Saskatchewan

  Saskatchewan credit union deposits are guaranteed in full by the Credit Union Deposit Guarantee Corporation, and compulsory basic auto insurance comes from SGI through the Saskatchewan Auto Fund.

  Cities: Saskatoon, Regina

• New Brunswick

  New Brunswick credit unions are supervised by the Financial and Consumer Services Commission (FCNB), and their deposits are protected by a provincial deposit insurance corporation. Car insurance is sold by private insurers, and the province charges a 1% real property transfer tax when you buy.

  Cities: Moncton

• Nova Scotia

  Nova Scotia credit union deposits are protected by the Nova Scotia Credit Union Deposit Insurance Corporation, auto insurance is private, and the land transfer tax, called deed transfer tax, is set by each municipality rather than the province.

  Cities: Halifax

• Prince Edward Island

  Prince Edward Island credit union deposits are covered by a provincial deposit insurance corporation, car insurance is private, and the province charges a 1% real property transfer tax with an exemption for eligible first-time buyers.

  Cities: Charlottetown

• Newfoundland and Labrador

  Newfoundland and Labrador credit union deposits are protected by the Credit Union Deposit Guarantee Corporation, auto insurance is private, and there is no land transfer tax, only registration fees for the deed and mortgage.

  Cities: St. John's

• Yukon

  Yukon has no territorial sales tax and no credit union deposit insurance system of its own, so most residents bank with CDIC-member institutions. Car insurance is private, and residents may claim the federal northern residents deductions.

  Cities: Whitehorse

• Northwest Territories

  The Northwest Territories has no territorial sales tax and no land transfer tax, deposits are protected by CDIC at member institutions, and residents may claim the federal northern residents deductions.

  Cities: Yellowknife

• Nunavut

  Nunavut has no territorial sales tax and no land transfer tax, deposits are protected by CDIC at member institutions, and residents may claim the federal northern residents deductions. Branch access is limited, so online banking terms matter more here.

  Cities: Iqaluit