FirstOntario Credit Union (FCU) is a classic Canadian success story. FCU first began in 1939, they went through a number of name changes from Stelco Credit Union to Avestel and merged with Family Savings (formerly Auto Workers’ Credit Union) to eventually becoming FirstOntario Credit Union. FCU provide all of the services, safety and security of a major financial institution but with one big difference: “FirstOntario operate on a cooperative model so our Members (customers) are always first, and we see you as a person not a credit score”. They provide these services through 32 locations in 14 communities across Ontario, including Hamilton, Halton, Niagara, Norfolk, and Oxford.