Emergencies
We never know what life may throw at us, so we do our best to expect the unexpected and prevent and plan for an emergency before it happens. Sometimes, we aren't able to prevent bad things from happening, so we take measures to protect ourselves by saving in an emergency fund, being vigilant when it comes to protecting our financial information and by keeping our assets insured.
Be prepared for any situation:

If you find yourself in a  costly situation, look into your insurance(s). Having emergency fund savings can help protect you from things like unexpected car repairs. You are your best defense to protect yourself from fraud: Recognize, reject, report. Losing a loved one hurts but settling their estate doesn't have to. Learn more.

Helpful Articles

CUAuthors are experienced and financially savvy CUA staff who are passionate about helping our personal and commercial members improve their confidence and knowledge of money matters. 

You never know what surprises are waiting for you in life. Be prepared with an Emergency Fund. If you find yourself in a tricky situation, learn how you can get out of the red. If the answer to the question “How will my business run without me?” is "It won’t", create a succession plan. Fraud is a crime that threatens every Canadian, regardless of their education, age or income.

Questions and Answers

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How much should I have in an emergency fund? Expand/Collapse

The amount you have in an emergency fund depends on your monthly expenses. A good rule of thumb is to work toward a goal of saving six months worth of expenses. That way, whether you are dealing with job loss or an unexpected expense, you will have time and money to tide you over until you figure out a more permanent solution.

Learn more about emergency funds »

What should I do if I can’t afford to save that much? Expand/Collapse

In a perfect world, we would all have six months or more worth of expenses squirrelled away just in case. In reality, saving a large amount of money just in case can be tricky. If you’re just starting to save in an emergency fund, set an initial goal of saving $500 in your budget and work toward that. Once you have that saved, keep on working toward your larger emergency fund goal.

What do I if I’ve been a victim of fraud? Expand/Collapse

If you believe that you have been a victim of fraud or have lost your debit or credit card, we want to help you. Contact a member of the CUA team as soon as you find out.

Lost or Stolen Cards

MemberCard Debit card: 1-888-277-1043

Collabria Visa (Canada and U.S.): 1-855-341-4643

Collabria Visa (International Collect): 1-647-252-9564


Fraud Prevention

Report suspicious emails/calls to alerts@cua.com.

What should I do if I experience a sudden change in my finances? Expand/Collapse

Job loss, unexpected expenses, an accident or injury, a change in marital status and several other things could influence a change in your finances. Check to see if you have an insurance that can help you. For other next steps to take, give us a call at 902.492.6500. We’re here to help.

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Current Offer

Be prepared for any surprise with an Emergency Fund - we'll help you get started.

  • Set up an Automatic Funds Transfer for a minimum of $50 a month (or $25 bi-weekly), deposited into a savings account.
  • CUA will contribute $25 to your first deposit.
  • Special rate of 1.2% on new emergency fund accounts
  • Accounts opened by June 30, 2019 will be entered into a draw to win $500 in cash.
Learn more about Emergency Funds »


Learn more about Personal Finance


Visit the CUA YouTube channel to watch videos on understanding insurance, emergency funds and other topics related to personal finance.