Canadian credit union executives using the Portfolio+ composable core banking platform.

Credit Unions

Name: Portfolio+ Credit Union Banking Platform
Availability: InStock
Author: Portfolio+

A Composable Core Platform. Built for Canada’s Credit Unions.
Modernize together, streamline compliance, and craft financial experiences younger members expect.

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Cooperative Meets Composable.

A platform that supports collaborative modernization while preserving what makes your credit union unique. Cloud-ready and API-enabled. Transform, integrate, and grow—without losing sight of what matters.

Canadian-Made Core Banking for Today’s Credit Unions.

Three cubes representing composable modular core banking architecture.

Modernize Together

Canada’s credit unions are modernizing together through mergers, regional partnerships, and platform upgrades. With composable core banking technology, credit unions can upgrade one business line at a time or fully transform to support merger-driven growth—all without compromising identity or values.

Shield representing credit union compliance.

Streamline Provincial & Federal Compliance

Stay ahead of evolving regulatory requirements without adding complexity. Portfolio+ supports CRA tax reporting, FSRA audit readiness, and Canadian KYC/AML standards. Canadian compliance is built in—not bolted on.

Rocket and browser representing the ability to launch new credit union member experiences.

Launch Experiences That Attract Younger Members

Compete for the next generation of members. Cloud-ready and API-enabled, Portfolio+ provides credit unions with the ability to configure new products quickly, integrate with fintech partners, and deliver the financial products and experiences that younger Canadians expect.

Stop Adapting. Start Evolving.

You can react to change—or you can prepare for what’s next. Canada’s credit unions need more than short-term fixes to attract younger Canadians and grow sustainably. With our composable core banking platform for credit unions, you choose the capabilities you need to reflect the evolving needs of your members, your regulatory environment, and your community.

Lending for Life’s Milestones

Offer personal loans, lines of credit, and secured lending solutions that reflect your members’ needs and your credit union’s values. Portfolio+ supports flexible loan origination and management workflows, configurable approval processes, and integrated mortgage tools—so you can serve your members at every stage of life.

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Simplify Registered Savings Plans

RRSPs, RESPs, TFSAs, and FHSAs are uniquely Canadian tools designed to help members save for education, retirement, and their first homes. Portfolio+ enables credit unions to offer and administer registered accounts with built-in CRA tax reporting and compliance—reducing manual effort while helping your members and community achieve their long-term goals.

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Expand Deposits. Beyond the Community.

Canada’s credit unions have traditionally raised deposits from their communities. But with nominee name GICs, you can expand your reach across Canada’s broker network without adding administrative overhead. Support both client and nominee name GICs, automate sales, simplify compliance, and grow your deposit base beyond provincial boundaries.

Explore Term Deposits & GICs >

Everyday Banking. Online and In-Branch.

Serve your members how they want to be served—face-to-face in your branches or through digital channels. Portfolio+ helps credit unions manage chequing, savings, and registered accounts while meeting Canadian KYC and compliance requirements. It’s a member-first platform, built to grow with your community.

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Canadian to the Core

Trusted by Credit Union Centrals, Banks, and Trust Companies

Combine deep compliance expertise, composable flexibility, and powerful product configurability with an API-ready architecture proven in banks, trust companies, and credit union centrals.

Trust a Canadian-Made Credit Union Platform

Portfolio+ is designed for cooperative institutions, with tools that support lean teams, member-first service models, and flexible product configurability with proven industry integration capabilities.

Canadian-first platform
Configurable products for local markets
Flexible approval workflows
Trusted by credit union centrals

Comply with Canadian Regulations

Portfolio+ embeds the regulatory needs of credit unions, from CRA tax reporting and provincial audit readiness to registered account support and KYC/AML alignment. Compliance isn’t bolted on—it’s built in.

CRA tax reporting (e.g., T5, RRSP, FHSA)
FSRA, BCFSA, and CUDGC alignment
KYC and AML workflows & reports
Registered account support (RRSPs, RESPs, TFSAs, FHSAs)

Embrace Advanced Flexibility, Scalability, and Security

Secure, scalable, and Integration-ready. Portfolio+ supports secure cloud-based hosting and API-ready connectivity—so you can reduce complex infrastructure, connect fintech partners, and launch new member experiences faster.

Cloud-enabled deployment and single-tenant architecture
AWS-optimized infrastructure
RESTful APIs for partner integrations and fintech ecosystem connectivity
Canadian data residency and security standards

Launch New Member-First Experiences

Replace what you need, when you’re ready. Our composable architecture supports phased upgrades or full core transformation. Modernize incrementally or as part of a post-merger strategy.