{"id":250871,"date":"2026-10-07T13:16:06","date_gmt":"2026-10-07T17:16:06","guid":{"rendered":"https:\/\/canada.coop\/?page_id=250871"},"modified":"2026-10-09T15:35:02","modified_gmt":"2026-10-09T19:35:02","slug":"co-ops-in-canada","status":"publish","type":"page","link":"https:\/\/canada.coop\/en\/co-ops-in-canada\/","title":{"rendered":"Co-ops in Canada"},"content":{"rendered":"

[et_pb_section fb_built=”1″ _builder_version=”4.27.9″ _module_preset=”default” global_colors_info=”{}”][et_pb_row column_structure=”1_2,1_2″ _builder_version=”4.27.9″ _module_preset=”default” max_width=”80%” global_colors_info=”{}”][et_pb_column type=”1_2″ _builder_version=”4.27.9″ _module_preset=”default” global_colors_info=”{}”][et_pb_text _builder_version=”4.27.9″ _module_preset=”default” text_font_size=”80px” header_font_size=”80px” custom_padding=”20px||||false|false” global_colors_info=”{}”]<\/p>\n

About co-ops<\/b><\/span><\/h1>\n

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Want to learn more about co-ops in Canada?<\/b><\/p>\n

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Explore fact sheets, guides, reports and other resources that explain how co-operatives work and the difference they make in communities across the country.<\/span><\/p>\n

[\/et_pb_text][et_pb_button button_text=”Browse these publications” _builder_version=”4.27.9″ _module_preset=”default” custom_button=”on” button_text_color=”#990134″ hover_enabled=”0″ global_colors_info=”{}” button_url=”https:\/\/canada.coop\/en\/publications\/” url_new_window=”on” sticky_enabled=”0″][\/et_pb_button][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=”1″ _builder_version=”4.27.9″ _module_preset=”default” background_color=”#990134″ custom_padding=”0px||0px||false|false” global_colors_info=”{}”][et_pb_row column_structure=”1_4,1_4,1_4,1_4″ use_custom_gutter=”on” gutter_width=”1″ _builder_version=”4.27.9″ _module_preset=”default” max_width=”80%” module_alignment=”center” custom_margin=”|0px||0px|false|true” custom_padding=”|0px||0px|false|true” global_colors_info=”{}”][et_pb_column type=”1_4″ _builder_version=”4.27.9″ _module_preset=”default” global_colors_info=”{}”][et_pb_text _builder_version=”4.27.9″ _module_preset=”default” global_colors_info=”{}”]<\/p>\n

What makes
co-operatives different<\/span><\/a><\/span><\/p>\n

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Canadian impact<\/span><\/a><\/span><\/p>\n

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Global impact<\/span><\/a><\/span><\/p>\n

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A Canadian tradition<\/span><\/a><\/span><\/p>\n

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What makes
\nco-operatives different
\n<\/b><\/span><\/h1>\n

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A co-operative is a member-owned, democratically controlled enterprise created to meet shared economic or social needs. Unlike investor-owned firms, co-operatives prioritize long-term service continuity, member benefit, and local accountability over short-term profit maximization.\u00a0They are governed by the people who rely on them. Members have a voice, participate in key decisions, and help shape the future direction of the organization.<\/span><\/p>\n

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One member, one vote<\/strong><\/span><\/p>\n

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Profits are reinvested or returned based on use<\/strong><\/span><\/p>\n

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Ownership and accountability remain local
<\/strong><\/span><\/p>\n

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Decision-making is designed for long-term continuity<\/p>\n

<\/strong><\/span><\/p>\n

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84%<\/b><\/span><\/h1>\n

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of Canadians say stability comes from collective ownership or shared decision-making \u2014 the core principles of the co-operative model.<\/strong><\/span><\/h3>\n

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Co\u2011operatives are not a niche alternative.
<\/b><\/span><\/h2>\n

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They are a proven business model already embedded in Canadian life.<\/span><\/p>\n

With one-third of Canadians already members and another third interested in joining, co\u2011operatives span virtually all Canadian regions, sectors, and demographics. They operate where affordability, stability, and service continuity matter most \u2014 housing, finance, food, and essential services \u2014 and are deeply rooted in communities across the country.<\/span><\/p>\n

[\/et_pb_text][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=”1″ module_id=”canadian-impact” _builder_version=”4.27.9″ _module_preset=”default” background_image=”https:\/\/canada.coop\/wp-content\/uploads\/abwaterco_overlay.jpg” global_colors_info=”{}”][et_pb_row _builder_version=”4.27.9″ _module_preset=”default” max_width=”80%” global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.27.9″ _module_preset=”default” global_colors_info=”{}”][et_pb_text _builder_version=”4.27.9″ _module_preset=”default” text_font_size=”80px” header_font_size=”40px” header_2_font_size=”40px” global_colors_info=”{}”]<\/p>\n

Canadian impact<\/b><\/span><\/h2>\n

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Economic Impact<\/b><\/span><\/h2>\n

 <\/p>\n

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$61.1 B GDP<\/strong> <\/span><\/b><\/span><\/h2>\n

contribution<\/strong><\/span><\/b><\/span><\/p>\n

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745,946<\/strong> <\/span><\/b><\/span><\/h2>\n

jobs supported<\/strong><\/span><\/b><\/span><\/p>\n

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$12.3 B<\/strong> <\/span><\/b><\/span><\/h2>\n

tax contribution<\/strong><\/span><\/b><\/span><\/p>\n

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3.6%<\/strong> <\/span><\/b><\/span><\/h2>\n

of Canadian employment<\/strong><\/span><\/b><\/span><\/p>\n

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An Economy-Wide Presence<\/b><\/span><\/h2>\n

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6,173<\/strong> <\/span><\/b><\/span><\/h2>\n

co-operatives, credit unions, caisses,<\/em> and mutuals operating in every province and territory across Canada<\/strong><\/span><\/b><\/span><\/p>\n

Every province and territory is home to co-operatives and mutuals<\/strong><\/span><\/b><\/span><\/p>\n

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20+ sectors <\/strong> <\/span><\/b><\/span><\/h2>\n

including housing, finance, agriculture, retail, insurance, healthcare, utilities, and food systems<\/strong><\/span><\/b><\/span><\/p>\n

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People-Powered<\/b><\/span><\/h2>\n

 <\/p>\n

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14+ million\u00a0<\/strong> <\/span><\/b><\/span><\/h2>\n

Canadians are co\u2011operative members<\/strong><\/span><\/b><\/span><\/p>\n

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1 in 3\u00a0<\/strong> <\/span><\/b><\/span><\/h2>\n

Canadians belong to a co\u2011operative
<\/strong><\/span><\/b><\/span><\/p>\n

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Another 1 in 3<\/strong> <\/span><\/b><\/span><\/h2>\n

is interested in joining a co\u2011operative
<\/strong><\/span><\/b><\/span><\/p>\n

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Stronger Communities<\/b><\/span><\/h2>\n

 <\/p>\n

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83%<\/strong> <\/span><\/b><\/span><\/h2>\n

say co-operatives stabilize communities<\/strong><\/span><\/b><\/span><\/p>\n

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83%<\/strong> <\/span><\/b><\/span><\/h2>\n

say co-operatives survive tough times better<\/strong><\/span><\/b><\/span><\/p>\n

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84%<\/strong> <\/span><\/b><\/span><\/h2>\n

say collective ownership helps build stability and security
<\/strong><\/span><\/b><\/span><\/p>\n

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86%<\/strong> <\/span><\/b><\/span><\/h2>\n

view co-operatives as accountable
<\/strong><\/span><\/b><\/span><\/p>\n

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Millions of Canadians rely on co-operatives, credit unions, <\/span>caisses<\/span><\/i>, and mutuals for banking, insurance, housing, agricultural services, retail goods, healthcare, energy and utilities, and other essential services. In urban, rural, remote, and Northern communities alike, they help ensure that economic activity, investment, and services remain accessible and responsive to local needs.<\/span><\/p>\n

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Use our Find a Co-op map to discover all the co-operatives, mutuals, credit unions and caisses<\/em> in your community.<\/p>\n

[\/et_pb_text][et_pb_button button_url=”https:\/\/crm.canada.coop\/en\/civicrm\/map-en?_gl=1*5033x*_ga*MjExMTc4MDQ5NS4xNzg5Mzk0NDYy*_ga_61QBLB1H3C*czE3OTE0ODMzODckbzIzJGcxJHQxNzkxNDkwMzEwJGoyNyRsMCRoMA..” url_new_window=”on” button_text=”Find a Co-op” _builder_version=”4.27.9″ _module_preset=”default” custom_button=”on” button_text_color=”#990134″ global_colors_info=”{}”][\/et_pb_button][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=”1″ _builder_version=”4.27.9″ _module_preset=”default” background_color=”#990134″ global_colors_info=”{}”][et_pb_row column_structure=”2_5,3_5″ _builder_version=”4.27.9″ _module_preset=”default” max_width=”80%” global_colors_info=”{}”][et_pb_column type=”2_5″ _builder_version=”4.27.9″ _module_preset=”default” global_colors_info=”{}”][et_pb_text _builder_version=”4.27.9″ _module_preset=”default” text_font_size=”80px” header_font_size=”40px” header_2_font_size=”40px” global_colors_info=”{}”]<\/p>\n

Why co-operatives matter<\/span>
<\/b><\/span><\/h2>\n

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    \n
  • Create jobs and economic activity<\/span><\/li>\n
  • Keep ownership rooted in communities<\/span><\/li>\n
  • Build resilience during economic uncertainty<\/span><\/li>\n
  • Give members a voice in decision-making<\/span><\/li>\n
  • Reinvest value locally<\/span><\/li>\n
  • Support affordability and access to essential services<\/span><\/li>\n<\/ul>\n

    [\/et_pb_text][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=”1″ module_id=”global-impact” _builder_version=”4.27.9″ _module_preset=”default” background_image=”https:\/\/canada.coop\/wp-content\/uploads\/abwaterco_overlay.jpg” global_colors_info=”{}”][et_pb_row _builder_version=”4.27.9″ _module_preset=”default” max_width=”80%” global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.27.9″ _module_preset=”default” global_colors_info=”{}”][et_pb_text _builder_version=”4.27.9″ _module_preset=”default” text_font_size=”80px” header_font_size=”40px” header_2_font_size=”40px” custom_margin=”||-1px|||” global_colors_info=”{}”]<\/p>\n

    Global impact
    <\/b><\/span><\/h2>\n

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    Around the world, co-operatives are guided by shared principles that promote democratic participation, member ownership, education, collaboration, and concern for community. These principles help ensure that success is measured not only by financial results, but also by the value created for members and the broader community.<\/span><\/p>\n

    [\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row column_structure=”1_4,1_4,1_4,1_4″ _builder_version=”4.27.9″ _module_preset=”default” max_width=”80%” global_colors_info=”{}”][et_pb_column type=”1_4″ _builder_version=”4.27.9″ _module_preset=”default” global_colors_info=”{}”][et_pb_text _builder_version=”4.27.9″ _module_preset=”default” text_font_size=”80px” header_2_font_size=”35px” global_colors_info=”{}”]<\/p>\n

    Economic Impact<\/b><\/span><\/h2>\n

     <\/p>\n

    [\/et_pb_text][et_pb_text _builder_version=”4.27.9″ _module_preset=”default” header_2_font_size=”35px” custom_margin=”||20px||false|false” global_colors_info=”{}”]<\/p>\n

    US$2.79 trillion<\/strong> <\/span><\/b><\/span><\/h2>\n

    annual turnover generated by the world’s 300 largest co-operatives and mutuals<\/strong><\/span><\/b><\/span><\/p>\n

    [\/et_pb_text][\/et_pb_column][et_pb_column type=”1_4″ _builder_version=”4.27.9″ _module_preset=”default” global_colors_info=”{}”][et_pb_text _builder_version=”4.27.9″ _module_preset=”default” text_font_size=”80px” header_font_size=”40px” header_2_font_size=”35px” custom_margin=”||||false|false” global_colors_info=”{}”]<\/p>\n

    An Economy-Wide Presence<\/b><\/span><\/h2>\n

    [\/et_pb_text][et_pb_text _builder_version=”4.27.9″ _module_preset=”default” header_2_font_size=”35px” custom_margin=”||20px||false|false” global_colors_info=”{}”]<\/p>\n

    3 million\u00a0<\/strong> <\/span><\/b><\/span><\/h2>\n

    co-operatives worldwide<\/strong><\/span><\/p>\n

    Co-operatives are represented in every major region across Europe, the Americas, Asia-Pacific, and Africa<\/strong><\/span><\/p>\n

    Co-operatives operate across agriculture, finance, insurance, retail, health, energy, education, and other essential sectors<\/strong><\/span><\/p>\n

    [\/et_pb_text][\/et_pb_column][et_pb_column type=”1_4″ _builder_version=”4.27.9″ _module_preset=”default” global_colors_info=”{}”][et_pb_text _builder_version=”4.27.9″ _module_preset=”default” text_font_size=”80px” header_font_size=”40px” header_2_font_size=”35px” global_colors_info=”{}”]<\/p>\n

    People-Powered<\/b><\/span><\/h2>\n

     <\/p>\n

    [\/et_pb_text][et_pb_text _builder_version=”4.27.9″ _module_preset=”default” header_2_font_size=”35px” custom_margin=”||20px||false|false” global_colors_info=”{}”]<\/p>\n

    More<\/strong><\/span><\/b><\/span><\/p>\n

    than 1 billion<\/strong> <\/span><\/b><\/span><\/h2>\n

    members<\/strong><\/span><\/b><\/span><\/p>\n

    [\/et_pb_text][et_pb_text _builder_version=”4.27.9″ _module_preset=”default” header_2_font_size=”35px” custom_margin=”||20px||false|false” global_colors_info=”{}”]<\/p>\n

    That represents at least<\/strong><\/span><\/b><\/span><\/p>\n

    12%<\/strong> <\/span><\/b><\/span><\/h2>\n

    of humanity<\/strong><\/span><\/b><\/span><\/p>\n

    [\/et_pb_text][\/et_pb_column][et_pb_column type=”1_4″ _builder_version=”4.27.9″ _module_preset=”default” global_colors_info=”{}”][et_pb_text _builder_version=”4.27.9″ _module_preset=”default” text_font_size=”80px” header_font_size=”40px” header_2_font_size=”35px” global_colors_info=”{}”]<\/p>\n

    Stronger Communities<\/b><\/span><\/h2>\n

     <\/p>\n

    [\/et_pb_text][et_pb_text _builder_version=”4.27.9″ _module_preset=”default” header_2_font_size=”35px” custom_margin=”||20px||false|false” global_colors_info=”{}”]<\/p>\n

    280 million<\/strong> <\/span><\/b><\/span><\/h2>\n

    people have jobs or work opportunities through co-operatives<\/strong><\/span><\/b><\/span><\/p>\n

    [\/et_pb_text][et_pb_text _builder_version=”4.27.9″ _module_preset=”default” header_2_font_size=”35px” custom_margin=”||20px||false|false” global_colors_info=”{}”]<\/p>\n

    That is<\/strong><\/span><\/b><\/span><\/p>\n

    10%<\/strong> <\/span><\/b><\/span><\/h2>\n

    of the world’s employed population<\/strong><\/span><\/b><\/span><\/p>\n

    [\/et_pb_text][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=”1″ _builder_version=”4.27.9″ _module_preset=”default” global_colors_info=”{}”][et_pb_row _builder_version=”4.27.9″ _module_preset=”default” max_width=”80%” global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.27.9″ _module_preset=”default” global_colors_info=”{}”][et_pb_text _builder_version=”4.27.9″ _module_preset=”default” text_font_size=”80px” header_font_size=”40px” header_2_font_size=”40px” custom_margin=”||-1px|||” global_colors_info=”{}”]<\/p>\n

    Seven guiding principles<\/b><\/span><\/h2>\n

    [\/et_pb_text][et_pb_text _builder_version=”4.27.9″ _module_preset=”default” global_colors_info=”{}”]<\/p>\n

    The co-operative model is governed by seven internationally recognized principles that embed democratic control, accountability, member participation, and concern for community into the structure of the enterprise. These principles ensure that ownership, decision-making, and economic benefits remain connected to the people and communities the organization serves.<\/p>\n

    [\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row column_structure=”1_4,1_4,1_4,1_4″ _builder_version=”4.27.9″ _module_preset=”default” max_width=”80%” global_colors_info=”{}”][et_pb_column type=”1_4″ _builder_version=”4.27.9″ _module_preset=”default” background_enable_color=”off” custom_padding=”20px|20px|20px|20px|true|true” border_width_all=”1px” border_color_all=”rgba(75,75,77,0.38)” global_colors_info=”{}”][et_pb_text _builder_version=”4.27.9″ _module_preset=”default” global_colors_info=”{}”]<\/p>\n

    Principle 1<\/span><\/p>\n

    [\/et_pb_text][et_pb_text _builder_version=”4.27.9″ _module_preset=”default” global_colors_info=”{}”]<\/p>\n

    Voluntary and open membership<\/strong><\/span><\/h3>\n

    [\/et_pb_text][\/et_pb_column][et_pb_column type=”1_4″ _builder_version=”4.27.9″ _module_preset=”default” background_enable_color=”off” custom_padding=”20px|20px|20px|20px|true|true” border_width_all=”1px” border_color_all=”rgba(75,75,77,0.38)” global_colors_info=”{}”][et_pb_text _builder_version=”4.27.9″ _module_preset=”default” global_colors_info=”{}”]<\/p>\n

    Principle 2<\/span><\/p>\n

    [\/et_pb_text][et_pb_text _builder_version=”4.27.9″ _module_preset=”default” global_colors_info=”{}”]<\/p>\n

    Democratic member control<\/strong><\/span><\/h3>\n

    [\/et_pb_text][\/et_pb_column][et_pb_column type=”1_4″ _builder_version=”4.27.9″ _module_preset=”default” background_enable_color=”off” custom_padding=”20px|20px|20px|20px|true|true” border_width_all=”1px” border_color_all=”rgba(75,75,77,0.38)” global_colors_info=”{}”][et_pb_text _builder_version=”4.27.9″ _module_preset=”default” global_colors_info=”{}”]<\/p>\n

    Principle 3<\/span><\/p>\n

    [\/et_pb_text][et_pb_text _builder_version=”4.27.9″ _module_preset=”default” global_colors_info=”{}”]<\/p>\n

    Member economic participation
    <\/strong><\/span><\/h3>\n

    [\/et_pb_text][\/et_pb_column][et_pb_column type=”1_4″ _builder_version=”4.27.9″ _module_preset=”default” background_enable_color=”off” custom_padding=”20px|20px|20px|20px|true|true” border_width_all=”1px” border_color_all=”rgba(75,75,77,0.38)” global_colors_info=”{}”][et_pb_text _builder_version=”4.27.9″ _module_preset=”default” global_colors_info=”{}”]<\/p>\n

    Principle 4<\/span><\/p>\n

    [\/et_pb_text][et_pb_text _builder_version=”4.27.9″ _module_preset=”default” global_colors_info=”{}”]<\/p>\n

    Autonomy and independence
    <\/strong><\/span><\/h3>\n

    [\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row column_structure=”1_4,1_4,1_4,1_4″ _builder_version=”4.27.9″ _module_preset=”default” max_width=”80%” global_colors_info=”{}”][et_pb_column type=”1_4″ _builder_version=”4.27.9″ _module_preset=”default” background_enable_color=”off” custom_padding=”20px|20px|20px|20px|true|true” border_width_all=”1px” border_color_all=”rgba(75,75,77,0.38)” global_colors_info=”{}”][et_pb_text _builder_version=”4.27.9″ _module_preset=”default” global_colors_info=”{}”]<\/p>\n

    Principle 5<\/span><\/p>\n

    [\/et_pb_text][et_pb_text _builder_version=”4.27.9″ _module_preset=”default” global_colors_info=”{}”]<\/p>\n

    Education, training and information
    <\/strong><\/span><\/h3>\n

    [\/et_pb_text][\/et_pb_column][et_pb_column type=”1_4″ _builder_version=”4.27.9″ _module_preset=”default” background_enable_color=”off” custom_padding=”20px|20px|20px|20px|true|true” border_width_all=”1px” border_color_all=”rgba(75,75,77,0.38)” global_colors_info=”{}”][et_pb_text _builder_version=”4.27.9″ _module_preset=”default” global_colors_info=”{}”]<\/p>\n

    Principle 6<\/span><\/p>\n

    [\/et_pb_text][et_pb_text _builder_version=”4.27.9″ _module_preset=”default” global_colors_info=”{}”]<\/p>\n

    Co-operation among co-operatives
    <\/strong><\/span><\/h3>\n

    [\/et_pb_text][\/et_pb_column][et_pb_column type=”1_4″ _builder_version=”4.27.9″ _module_preset=”default” background_enable_color=”off” custom_padding=”20px|20px|20px|20px|true|true” border_width_all=”1px” border_color_all=”rgba(75,75,77,0.38)” global_colors_info=”{}”][et_pb_text _builder_version=”4.27.9″ _module_preset=”default” global_colors_info=”{}”]<\/p>\n

    Principle 7<\/span><\/p>\n

    [\/et_pb_text][et_pb_text _builder_version=”4.27.9″ _module_preset=”default” global_colors_info=”{}”]<\/p>\n

    Concern for community
    <\/strong><\/span><\/h3>\n

    [\/et_pb_text][\/et_pb_column][et_pb_column type=”1_4″ _builder_version=”4.27.9″ _module_preset=”default” background_enable_color=”off” custom_padding=”20px|20px|20px|20px|true|true” border_color_all=”rgba(75,75,77,0.38)” global_colors_info=”{}”][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=”1″ module_id=”canadian-tradition” _builder_version=”4.27.9″ _module_preset=”default” custom_margin=”0px||||false|false” custom_padding=”0px||||false|false” global_colors_info=”{}”][et_pb_row _builder_version=”4.27.9″ _module_preset=”default” max_width=”90%” global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.27.9″ _module_preset=”default” global_colors_info=”{}”][ba_advanced_divider active_element=”text” border_style_classic=”solid” border_color=”rgba(75,75,77,0.53)” border_weight=”2px” _builder_version=”4.27.9″ _module_preset=”default” global_colors_info=”{}”][\/ba_advanced_divider][\/et_pb_column][\/et_pb_row][et_pb_row column_structure=”1_2,1_2″ _builder_version=”4.27.9″ _module_preset=”default” max_width=”80%” global_colors_info=”{}”][et_pb_column type=”1_2″ _builder_version=”4.27.9″ _module_preset=”default” global_colors_info=”{}”][et_pb_text _builder_version=”4.27.9″ _module_preset=”default” text_font_size=”80px” header_font_size=”40px” header_2_font_size=”40px” custom_margin=”||-1px|||” global_colors_info=”{}”]<\/p>\n

    A Canadian tradition
    <\/b><\/span><\/h2>\n

    [\/et_pb_text][\/et_pb_column][et_pb_column type=”1_2″ _builder_version=”4.27.9″ _module_preset=”default” global_colors_info=”{}”][et_pb_text _builder_version=”4.27.9″ _module_preset=”default” global_colors_info=”{}”]<\/p>\n

    Co-operatives are often thought of as traditional institutions, but their history shows the opposite: they are consistent sources of innovation when conventional markets fail to meet basic needs. The modern co-operative model emerged from practical necessity\u2014workers, consumers, farmers, borrowers, and communities organizing to secure fair access to goods, credit, services, and control.<\/p>\n

    Canada\u2019s credit unions and caisses show this innovation clearly. From the earliest caisse, which expanded access to savings and credit for less affluent and Francophone communities, to modern payments platforms, credit unions and caisses have consistently used innovation to meet unmet needs.<\/p>\n

    [\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row column_structure=”1_3,1_3,1_3″ make_equal=”on” _builder_version=”4.27.9″ _module_preset=”default” max_width=”80%” custom_padding=”20px|||20px|false|false” global_colors_info=”{}”][et_pb_column type=”1_3″ _builder_version=”4.27.9″ _module_preset=”default” background_color=”#d8dbd4″ custom_padding=”30px|30px|30px|30px|true|true” global_colors_info=”{}”][et_pb_icon font_icon=”||fa||900″ icon_color=”#f50039″ icon_width=”30px” align=”left” _builder_version=”4.27.9″ _module_preset=”default” custom_margin=”||10px||false|false” custom_padding=”||||false|false” global_colors_info=”{}”][\/et_pb_icon][et_pb_text _builder_version=”4.27.9″ _module_preset=”default” global_colors_info=”{}”]<\/p>\n

    Credit unions and <\/span>caisses<\/span><\/i> were early innovators in relationship-based lending and lending to women in their own names<\/span><\/p>\n

    [\/et_pb_text][\/et_pb_column][et_pb_column type=”1_3″ _builder_version=”4.27.9″ _module_preset=”default” background_color=”#d8dbd4″ custom_padding=”30px|30px|30px|30px|true|true” global_colors_info=”{}”][et_pb_icon font_icon=”||fa||900″ icon_color=”#f50039″ icon_width=”30px” align=”left” _builder_version=”4.27.9″ _module_preset=”default” custom_margin=”||10px||false|false” custom_padding=”||||false|false” global_colors_info=”{}”][\/et_pb_icon][et_pb_text _builder_version=”4.27.9″ _module_preset=”default” global_colors_info=”{}”]<\/p>\n

    Credit unions and <\/span>caisses<\/span><\/i> helped pioneer many innovations in Canadian retail banking, including advances in self-service banking, debit payments, online banking, mobile cheque deposit, and mobile payments<\/span><\/p>\n

    [\/et_pb_text][\/et_pb_column][et_pb_column type=”1_3″ _builder_version=”4.27.9″ _module_preset=”default” background_color=”#d8dbd4″ custom_padding=”30px|30px|30px|30px|true|true” global_colors_info=”{}”][et_pb_icon font_icon=”||fa||900″ icon_color=”#f50039″ icon_width=”30px” align=”left” _builder_version=”4.27.9″ _module_preset=”default” custom_margin=”||10px||false|false” custom_padding=”||||false|false” global_colors_info=”{}”][\/et_pb_icon][et_pb_text _builder_version=”4.27.9″ _module_preset=”default” global_colors_info=”{}”]<\/p>\n

    Credit unions and <\/span>caisses<\/span><\/i> have long viewed financial education as part of their mission, helping members build the knowledge, skills, and confidence needed to make informed financial decisions<\/span><\/p>\n

    [\/et_pb_text][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=”1″ _builder_version=”4.27.9″ _module_preset=”default” background_color=”#a0a39e” hover_enabled=”0″ global_colors_info=”{}” sticky_enabled=”0″][et_pb_row column_structure=”1_5,1_5,1_5,1_5,1_5″ use_custom_gutter=”on” gutter_width=”2″ _builder_version=”4.27.9″ _module_preset=”default” max_width=”80%” global_colors_info=”{}”][et_pb_column type=”1_5″ _builder_version=”4.27.9″ _module_preset=”default” global_colors_info=”{}”][et_pb_text _builder_version=”4.27.9″ _module_preset=”default” text_font_size=”80px” header_font_size=”35px” header_2_font_size=”31px” global_colors_info=”{}”]<\/p>\n

    Why
    co-operatives matter<\/span>
    <\/b><\/span><\/h2>\n

    [\/et_pb_text][\/et_pb_column][et_pb_column type=”1_5″ _builder_version=”4.27.9″ _module_preset=”default” global_colors_info=”{}”][et_pb_text _builder_version=”4.27.9″ _module_preset=”default” custom_margin=”||-3px|||” global_colors_info=”{}”]<\/p>\n

    1800s<\/strong><\/span><\/h2>\n

    [\/et_pb_text][et_pb_text _builder_version=”4.27.9″ _module_preset=”default” global_colors_info=”{}”]<\/p>\n

    Early agricultural co-operatives and mutual insurance organizations emerge.<\/span><\/p>\n

    [\/et_pb_text][\/et_pb_column][et_pb_column type=”1_5″ _builder_version=”4.27.9″ _module_preset=”default” global_colors_info=”{}”][et_pb_text _builder_version=”4.27.9″ _module_preset=”default” custom_margin=”||-3px|||” global_colors_info=”{}”]<\/p>\n

    Early 1900s<\/strong><\/span><\/h2>\n

    [\/et_pb_text][et_pb_text _builder_version=”4.27.9″ _module_preset=”default” global_colors_info=”{}”]Credit unions and caisses expand access to financial services.<\/span>[\/et_pb_text][\/et_pb_column][et_pb_column type=”1_5″ _builder_version=”4.27.9″ _module_preset=”default” global_colors_info=”{}”][et_pb_text _builder_version=”4.27.9″ _module_preset=”default” custom_margin=”||-3px|||” global_colors_info=”{}”]<\/p>\n

    Mid-1900s<\/strong><\/span><\/h2>\n

    [\/et_pb_text][et_pb_text _builder_version=”4.27.9″ _module_preset=”default” global_colors_info=”{}”]Growth of housing, retail, fishing, and consumer co-operatives.<\/span>[\/et_pb_text][\/et_pb_column][et_pb_column type=”1_5″ _builder_version=”4.27.9″ _module_preset=”default” global_colors_info=”{}”][et_pb_text _builder_version=”4.27.9″ _module_preset=”default” custom_margin=”||-3px|||” global_colors_info=”{}”]<\/p>\n

    Today<\/strong><\/span><\/h2>\n

    [\/et_pb_text][et_pb_text _builder_version=”4.27.9″ _module_preset=”default” global_colors_info=”{}”]Co-operatives, credit unions, caisses, and mutuals operate in every province and territory and across more than 20 sectors of Canada’s economy.<\/span>[\/et_pb_text][\/et_pb_column][\/et_pb_row][\/et_pb_section]<\/p>\n","protected":false},"excerpt":{"rendered":"

    About co-opsWant to learn more about co-ops in Canada?Explore fact sheets, guides, reports and other resources that explain how co-operatives work and the difference they make in communities across the country.What makesco-operatives differentCanadian impactGlobal impactA Canadian traditionWhat makes co-operatives different A co-operative is a member-owned, democratically controlled enterprise created to meet shared economic or social […]<\/p>\n","protected":false},"author":3,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_seopress_titles_title":"","_seopress_titles_desc":"","_seopress_robots_index":"","_seopress_robots_follow":"","_seopress_robots_imageindex":"","_seopress_robots_snippet":"","_seopress_robots_primary_cat":"","_seopress_robots_breadcrumbs":"","_seopress_robots_freeze_modified_date":"","_seopress_robots_custom_modified_date":"","_seopress_robots_canonical":"","_seopress_social_fb_title":"","_seopress_social_fb_desc":"","_seopress_social_fb_img":"","_seopress_social_fb_img_attachment_id":0,"_seopress_social_fb_img_width":0,"_seopress_social_fb_img_height":0,"_seopress_social_twitter_title":"","_seopress_social_twitter_desc":"","_seopress_social_twitter_img":"","_seopress_social_twitter_img_attachment_id":0,"_seopress_social_twitter_img_width":0,"_seopress_social_twitter_img_height":0,"_seopress_redirections_value":"","_seopress_redirections_enabled":"","_seopress_redirections_enabled_regex":"","_seopress_redirections_logged_status":"","_seopress_redirections_param":"","_seopress_redirections_type":0,"_seopress_analysis_target_kw":"","_seopress_news_disabled":"","_seopress_video_disabled":"","_seopress_video":[],"_seopress_pro_schemas_manual":[],"_seopress_pro_rich_snippets_disable_all":"","_seopress_pro_rich_snippets_disable":[],"_seopress_pro_schemas":[],"_et_pb_use_builder":"on","_et_pb_old_content":"","_et_gb_content_width":"","om_disable_all_campaigns":false,"footnotes":""},"class_list":["post-250871","page","type-page","status-publish","hentry"],"_links":{"self":[{"href":"https:\/\/canada.coop\/en\/wp-json\/wp\/v2\/pages\/250871","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/canada.coop\/en\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/canada.coop\/en\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/canada.coop\/en\/wp-json\/wp\/v2\/users\/3"}],"replies":[{"embeddable":true,"href":"https:\/\/canada.coop\/en\/wp-json\/wp\/v2\/comments?post=250871"}],"version-history":[{"count":5,"href":"https:\/\/canada.coop\/en\/wp-json\/wp\/v2\/pages\/250871\/revisions"}],"predecessor-version":[{"id":251099,"href":"https:\/\/canada.coop\/en\/wp-json\/wp\/v2\/pages\/250871\/revisions\/251099"}],"wp:attachment":[{"href":"https:\/\/canada.coop\/en\/wp-json\/wp\/v2\/media?parent=250871"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}