Originally founded as the Ladner Fisherman’s Credit Union in 1946 later being known as the Delta Credit Union in 1966.^[7] It was formed by the local fishing community.^[8] Delta Credit Union’s local history is also documented through Delta archival records.^[9]

Envision Financial was created in 2001 through the merger of Delta Credit Union and First Heritage Savings Credit Union.^[2] First Heritage had itself been formed in 1983 through the merger of East Chilliwack Credit Union and Clearbrook District Mennonite Savings Credit Union.^[10][11][12] It was originally established to meet the needs of Fraser Valley Farmers.^[7]

In 2008, Envision Financial and Penticton-based Valley First Credit Union entered merger discussions to form a larger cooperative financial institution serving British Columbia. Members of both organizations approved the merger in 2009, and on January 1, 2010, the two credit unions combined to form First West Credit Union.^[7] First West Credit Union expanded through additional mergers with Enderby & District Credit Union in 2013 and Island Savings Credit Union in 2015.^[7][13] The institutions continued to operate as regional divisions of First West under their existing brand names.^[1]

In 2021, members of First West Credit Union voted on a special resolution to apply to continue as a federal credit union under the Bank Act.^[3] With approval, First West Credit Union became a federally regulated credit union on April 1, 2026, and adopted the name Tru Cooperative Bank.^[14][3] The federal charter enabled the organization to serve members beyond British Columbia while retaining its cooperative structure.^[14]

Envision Financial operates as a trade name and regional division of Tru Cooperative Bank. It is not a separate legal entity, but a federally regulated financial institution.^[3][14]

Tru Cooperative Bank operates under a multi-brand structure that includes Envision Financial, Valley First, Island Savings, and Enderby & District Financial.^[1][15][7] Under this structure, the regional divisions retain their established brand identities while governance, regulatory oversight, and financial reporting are managed at the organizational level by Tru Cooperative Bank.^[1]

Deposits held under the Envision Financial brand are insured by the Canada Deposit Insurance Corporation in accordance with federal regulations applicable to Tru Cooperative Bank.^[16]

Envision Financial offers retail banking, commercial and business banking, and wealth management services^[4]

• Retail banking - Provides consumer banking services through branches, a Member Advice Centre, and digital banking channels.^[4]
• Commercial and business banking - Provides banking services to businesses and commercial clients.^[4]
• Wealth management - Provides investment and advisory services through Envision Financial Wealth Management.^[4]

Envision Financials network consists of 19 branches in the communities of Abbotsford, Chilliwack, Delta, Hope, Kitimat, Langley, Maple Ridge, Mission and Surrey.^[5] It's regional administration centre is located in Langley.^[6]

Envision Financial is a division of Tru Cooperative Bank, a federal credit union, under Canada’s Bank Act.^[16][3] The federal transition allows Tru Cooperative Bank to operate beyond British Columbia and expand its services to other parts of Canada.

• Tru Cooperative Bank
• Valley First
• Island Savings