NLCU Fall Food Drive
NLCU launched its 2nd annual Fall Food Drive on September 5, 2023. Donations of non-perishable foods or cash may be dropped off at any one of our 12 NLCU branch locations across the province.
Non-perishable food donations will go to local food banks in each of our branch communities. Cash donations will be given to the Community Food Sharing Association, which distributes food to 54 food banks in the province.
Each year, NLCU teams undertake a community initiative in recognition of International Credit Union Day, which occurs on the third Thursday in October. In 2022, NLCU employees chose to hold an annual food drive to support families and individuals in Newfoundland and Labrador who experience food insecurity. Thanks to the generosity of NLCU members, employees, and the public, last year's food drive collected more than 60 bags of groceries for local food banks.
Donations to this year's Fall Food Drive will be accepted until October 31, 2023.
Annual Calendar Photo Contest
Now Accepting Submissions
Enjoy taking snapshots of the natural beauty of Newfoundland and Labrador?
Submit your best scenic photos to NLCU’s Annual Calendar Photo Contest. Spring, Summer, Autumn, or Winter – we want as much seasonal variety as possible.
How To EnterPlease click here for the complete rules and regulations, which include instructions for submitting photos. Click here for the Model Release Form, if applicable.
Submissions are due by July 21, 2023.
Collect the Most “Likes”
From the submissions, a long list of photos will be selected for voting on NLCU’s Facebook page. Voting will be open from July 24 to August 7.
Photos Featured in the CalendarThe top 13 photos that acquire the most votes (“Likes”) during the voting period will be featured in NLCU’s 2024 calendar.
Each photographer of a winning entry or entries will receive one (1) copy of the 2024 calendar.
Strong PAC – An Added Layer of Protection for Members
Coming this May 16
On May 16, 2023, NLCU will strengthen MemberDirect® personal access code (PAC) requirements to provide an added layer of protection for our members and to help us introduce new and exciting digital features in the near future.
As part of this change, all NLCU members will need to replace your existing PAC used to sign into online banking with a longer, more complex PAC format.
Once strong PAC is live, members will see a popup window when you next attempt to log into MemberDirect® that will require you to change your PAC before being able to continue through to your accounts.
Follow the onscreen instructions to input your existing and new strong PAC and click continue. This will update your PAC and you can continue on to do your online banking. The next time you log in, use your new strong PAC.
If you are a commercial member, please click here for important information regarding PAC changes.
Create and Protect Your Strong PAC
There are a few best practices to keep in mind as you create a strong PAC:
- Be sure to choose a PAC that differs from the passwords you use to access other online services, such as your social media accounts or email.
- Avoid including any data related to your identity (such as birthdays, family names, pets, or addresses).
- Try to use a sequence of words and numbers that you will remember, but that will make it difficult for others to guess your PAC.
Finally, it’s always important to ensure your PAC is safely stored and cannot be compromised. You may want to consider using a type of “password manager” or “password keeper” style service to keep your PAC secured.
PAC Change for Commercial Members
Once Strong PAC goes live on May 16, all NLCU commercial members will be prompted to change their existing PAC the next time they try to sign into online banking. Step-by-step instructions will be provided onscreen to walk members through the process.
For commercial members who have assigned Delegates to their online banking, it is important to note that the Signer must complete the required PAC change first.
Once Strong PAC goes live, if a Delegate attempts to sign into online banking prior to the Signer completing their mandatory PAC change, the Delegate will be inactivated. A message will pop up onscreen advising the Delegate to contact the Signer to restore access. Therefore, Signers will need to log in and update their own PAC first, after which they will need to ensure their Delegates are showing as having “active” status.
The Signer can check the status of Delegates by logging into online banking for commercial members, clicking on Business Services in the left-hand navigation menu, and selecting Add/Modify Delegates.
Experiencing Technical Issues While Trying to Change Your PAC?
If you experience any technical issues while attempting to change your PAC, please call our dedicated online and mobile banking support team at 1-888-273-3488.
FAQ's
I’m being asked to change my PAC. Why is this?
NLCU is strengthening our MemberDirect® Personal Access Code (PAC) requirements to provide an added layer of protection and to help us introduce new and exciting digital features in the near future. As part of this change, all of our members will need to update their PAC to meet the new security standards.
I’m being asked to change my PAC. Why is this?
NLCU is strengthening our MemberDirect® Personal Access Code (PAC) requirements to provide an added layer of protection and to help us introduce new and exciting digital features in the near future. As part of this change, all of our members will need to update their PAC to meet the new security standards.
What are the new personal access code (PAC) format requirements?
Once Strong PAC is live, you will see messaging on the MemberDirect® login screen letting you know you will need to update your password to a more complex format. When you change your PAC in MemberDirect®, the onscreen instructions will guide you through the process to ensure you use a stronger PAC format.
Do I need to update my PAC right away?
Strong PAC requirements go live effective 11 p.m. Newfoundland time on May 16, 2023. Once strong PAC goes live, a popup window will appear the next time you attempt to log into your online banking. The popup window will require you to change your PAC before being able to continue through to your accounts. Step-by-step instructions to change your PAC will be provided onscreen. The next time you log into your online banking, you will use your new strong PAC.
What happens if I forget my new strong PAC?
If you forget your new Strong PAC, you can reset by clicking on the Forgot your PAC? link just below the PAC field on the MemberDirect® login screen. Once you click this link, you will be asked to confirm your identity and will then be given the option to choose a new personal access code.
I’m having trouble changing my personal access code (PAC) in MemberDirect®. What should I do?
If you experience any technical issues while attempting to change your PAC, please call our dedicated online and mobile banking support team at 1-888-273-3488.
I use MemberDirect® Small Business. Is there anything additional that I need to know when it comes to updating my PAC?
While updating your business account access code will work exactly the same as it will for personal access, there is one additional consideration if your business has set up a Delegate – somebody who is not a Signer on your business accounts – to access or view your accounts online.
If your business has a Delegate, you (as a Signer) must ensure to log into MemberDirect® Small Business to update your own PAC to meet the new standards in order for your Delegate to continue accessing your accounts online. Your existing Delegate will also be required to update their PAC to the new standards.
Once Strong PAC goes live, if a Delegate attempts to log into MemberDirect® prior to the Signer updating their own password to the new PAC standard, those Delegates will become inactive. (A message will appear onscreen advising the Delegate to contact the Signer to have their access restored.) Therefore, Signers will need to log in and update their own PAC first, after which they will need to ensure their Delegates are showing as having “active” status.
How do I check the status of Delegates in MemberDirect® Small Business?
The Signer can check the status of Delegates by logging into online banking for commercial members, clicking on Business Services in the left-hand navigation menu, and selecting Add/Modify Delegates.
NLCU Achieves Highest Loans and Assets Growth in its History
NLCU’s 65th Annual General Meeting (AGM) took place last evening as a virtual event and was presided over by Maureen Singleton, President and Chairperson of the Board.Singleton reported that the main goal of the Board of Directors in 2022 was to develop a new long-term strategic plan. The five-year plan concentrates on exploring specific avenues for growth and collaboration; developing passionate and engaged employees; increasing NLCU’s financial education offerings for members; and making continued progress on the credit union’s environmental, social, and governance (ESG) continuum.
It was Glenn Bolger’s first report to the membership as CEO. Describing 2022 as “an exciting year at NLCU,” Bolger highlighted several operational improvements, including the launch of a new website with chatbot feature, new signage at the credit union’s Water Street, St. John’s location, improvements to services for business members, cyber security and communications networks enhancements, and continued preparations for a cloud-based banking platform that is anticipated to elevate the member experience.
“In 2022, NLCU experienced the highest loans growth and largest growth in assets in its history, and the second highest deposits growth in its history,” said Bolger, crediting these results to the incredible member service provided by the NLCU team. At 2022 year-end, NLCU’s loans portfolio grew by 15.0% or $83,650,329 and assets grew by 8.07% or $54,978,475 for total assets of $735,857,129.
Board of Directors’ election results announced
This year, six candidates ran for four available seats on NLCU’s Board of Directors. Voting was conducted online. Successful candidates elected to the Board were Courtney Clarke, Sheena McCrate, Allan Skanes, and Barry Tucker.
Returning Board Director Courtney Clarke brings a unique perspective to NLCU’s Board, focusing on equity, diversity, inclusion, and anti-racism advancements, and bringing an intersectional framework into financial discussions. Recently, Clarke was profiled as one of the Top 100 Most Powerful Women in Canada by Women's Executive Network-North America.
Sheena McCrate held the position of CEO with St. John’s Sports & Entertainment Ltd. During her tenure, St. John’s hosted several national events including JUNOS 2010, the 2010 Four Nations Cup, the 2014 AHL All-Star Classic, and the 2017 Tim Hortons Brier. She has been a member of NLCU’s Board of Directors since 2017.
Retired from a decades-long career in the public school system, Allan Skanes was first elected to NLCU’s Board of Directors in 2007. He has previously served on its Audit Committee and Governance Committee, and for the past four years, has served on the Board’s Executive Committee as 1st Vice-President.
Barry Tucker worked in the construction and project management industry for his entire career and was a longtime employee of the Newfoundland and Labrador Housing Corporation. He remains an active volunteer in the community. Tucker previously served on NLCU’s Board of Directors from 2019 to 2022.
An election of Board officers was conducted in a Board meeting immediately following the AGM. There was no change from 2022: Maureen Singleton remains as Board President and Chairperson, Allan Skanes, as 1st Vice President, and Patrick Collins, as 2nd Vice President.
Returning Board Director Courtney Clarke brings a unique perspective to NLCU’s Board, focusing on equity, diversity, inclusion, and anti-racism advancements, and bringing an intersectional framework into financial discussions. Recently, Clarke was profiled as one of the Top 100 Most Powerful Women in Canada by Women's Executive Network-North America.
Sheena McCrate held the position of CEO with St. John’s Sports & Entertainment Ltd. During her tenure, St. John’s hosted several national events including JUNOS 2010, the 2010 Four Nations Cup, the 2014 AHL All-Star Classic, and the 2017 Tim Hortons Brier. She has been a member of NLCU’s Board of Directors since 2017.
Retired from a decades-long career in the public school system, Allan Skanes was first elected to NLCU’s Board of Directors in 2007. He has previously served on its Audit Committee and Governance Committee, and for the past four years, has served on the Board’s Executive Committee as 1st Vice-President.
Barry Tucker worked in the construction and project management industry for his entire career and was a longtime employee of the Newfoundland and Labrador Housing Corporation. He remains an active volunteer in the community. Tucker previously served on NLCU’s Board of Directors from 2019 to 2022.
An election of Board officers was conducted in a Board meeting immediately following the AGM. There was no change from 2022: Maureen Singleton remains as Board President and Chairperson, Allan Skanes, as 1st Vice President, and Patrick Collins, as 2nd Vice President.
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NLCU Fall Food Drive
NLCU launched its 2nd annual Fall Food Drive. Donations of non-perishable foods or cash may be dropped off at any one of our 12 NLCU branch locations across the province.
READ MORE
READ MORE
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Annual Calendar Photo Contest
Submit your best scenic photos to NLCU’s Annual Calendar Photo Contest. Spring, Summer, Autumn, or Winter – we want as much seasonal variety as possible.
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Raising Funds to Provide Supports for 900 Children in Care and Their Families
The NLCU Charitable Foundation is hosting its 20
th Annual Walk-A-Thon, raising funds for the Newfoundland and Labrador Foster Families Association.
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COVID-19 Update to Members
NLCU is committed to keeping our lines of communication open to inform you of our latest COVID-19 safety measures.
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