Rates & Fees


Rates & fees


Our most popular rates

1.79%

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5 Year Fixed High Ratio Mortgage

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1.90%


5 Year GIC

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1.15%


1 Year GIC

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Savings
Term Deposits
Mortgage
Personal Loans
Fees
Savings AccountsRate1
Regular Savings Account (interest paid semi–annually)0.05%
Children's Bonus Savings Account (interest paid semi–annually)0.10%
US Dollar Account (interest paid quarterly, $200–$4,999)0.05%
US Dollar Account (interest paid quarterly, $5,000+)0.15%
Euro Account (interest paid quarterly, €1,000–€9,999)0.00%
Euro Account (interest paid quarterly, €10,000+)

0.00%

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High Interest Savings AccountsRate1
Earn More Savings Account (interest paid monthly)0.45%
Earn More Savings Business Account (interest paid monthly)0.35%
Earn More TFSA (interest paid monthly)0.45%
Earn More RRSP/RRIF/RESP (interest paid annually)0.45%
Earn More Savings in 2020 Promotion (Closed)2

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1 Rates are subject to change without notice at any time. Offer may change or be withdrawn at any time without notice. Other conditions and restrictions apply.

2 As of May 1, 2020, this promotion is now closed to new deposits. For existing deposits, rate valid until March 31, 2021.

Cashable Term DepositsRate1
Flex20 GIC (20-month–Available in non-registered, RRSP, TFSA, RRIF & LIRA plans)21.25%
Flex30 GIC (30-month–Available in non-registered, RRSP, TFSA, RRIF & LIRA plans)31.45%
Flex40 GIC (40-month–Available in non-registered, RRSP, TFSA, RRIF & LIRA plans)41.60%
Flex50 GIC (50-month–Available in non-registered, RRSP, TFSA, RRIF & LIRA plans)51.75%

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RRSP / RESP / RRIF / LIFRate1
60–179 Day0.50%
180–364 Day0.60%
1 Year1.15%
18 Month1.20%
2 Year1.40%
3 Year1.55%
4 Year1.70%
5 Year1.90%
7 Year2.00%

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Non-Redeemable Term Deposits / TFSARate1
60–179 Day0.50%
180–364 Day0.60%
1 Year1.15%
18 Month1.20%
2 Year1.40%
3 Year1.55%
4 Year1.70%
5 Year1.90%
7 Year2.00%

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Redeemable Term DepositsRate1
180–364 Day0.30%
1 Year0.75%
2 Year1.00%
3 Year1.25%
4 Year1.50%
5 Year1.75%

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1 All rates stated are per annum. All CDN$ term deposits, RRSPs, RRIFs, RESPs, and LRIFs have a $500 minimum. On non-redeemable term deposits, interest is paid or compounded annually.

Rates are subject to change without notice at any time. Offer may change or be withdrawn at any time without notice. Other conditions and restrictions apply.

2 Cashable after 12 months at 0.30%.

3 Cashable after 12 months at 0.75%.

4 Cashable after 12 months at 0.90%.

5 Cashable after 24 months at 1.00%. Minimum deposit of $100,000.

Low Rate Mortgage (Insured High Ratio)Rate1
6 Months Convertible4.25%
1 Year Fixed Closed3.14%
2 Year Fixed Closed (Special Promotion)11.88%
3 Year Fixed Closed3.29%
4 Year Fixed Closed3.39%
5 Year Fixed Closed (Special Promotion)21.79%
3 Year Variable3.45%
5 Year Variable2.95%

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DUCA Mortgage (Flex)Rate
6 Months (Convertible)4.35%
1 Year Fixed Closed3.64%
2 Year Fixed Closed3.69%
3 Year Fixed Closed3.74%
4 Year Fixed Closed3.84%
5 Year Fixed Closed2.74%
6 Year Fixed Closed4.89%
7 Year Fixed Closed5.09%
1 Year (Open)5.85%
Variable Rate - 3 Year3.55%
Variable Rate - 5 Year3.25%

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First Rate 2nd MortgageRate
6 Month (Convertible)4.60%
1 Year Fixed Closed3.89%
2 Year Fixed Closed3.94%
3 Year Fixed Closed3.99%
4 Year Fixed Closed4.09%
5 Year Fixed Closed2.99%
Variable Rate - 3 Year3.80%
Variable Rate - 5 Year3.50%
1 Year (Open)6.10%

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Co-op and Co-ownership MortgageRate
6 Month (Convertible)5.45%
1 Year Fixed Closed5.04%
2 Year Fixed Closed5.09%
3 Year Fixed Closed5.14%
4 Year Fixed Closed5.24%
5 Year Fixed Closed4.14%
1 Year (Open)6.45%

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1 Must fund by December 31, 2020.
2 Conditions apply.

Rates are subject to change without notice at any time. Offer may change or be withdrawn at any time without notice. Other conditions and restrictions apply.

All applicants must meet the DUCA Financial Services Credit Union lending criteria. Other conditions and restrictions apply. Products and their features may change at any time. Variable interest rates may change at any time. This is a general description only. For more information and product terms and conditions contact your branch.

Each annual percentage rate (APR) is calculated based on a mortgage of $100,000 with monthly payments and a 25-year amortization. APR assumes no fee(s) apply. If we require you to obtain an appraisal, or incur any additional fee(s) it would increase your APR. All residential mortgages are calculated half-yearly, not in advance.

Flex mortgage rates are subject to 10 bps increase for mortgage amortization greater than 25 years.

When switching to DUCA, Members are eligible for a credit of up to $1,000 to cover their switching costs. This applies to mortgages of $400,000 or more.

To learn more about DUCA's Posted Rates, Early Prepayment Charges and Interest Rate Differential (IRD), please see here.

RRSP LoanRate
1 Year Variable3.45%
2 Year Variable3.95%
3 Year Variable4.45%

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PrimeLine Line of CreditRate
Secured - Owner Occupied Residential Real Estate3.95%

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New "Go Green" Hybrid Car LoanRate
1 Year4.30%
2 Year4.35%
3 Year4.35%
4 Year4.40%
5 Year4.40%
Variable Rate - 5 Year Max4.95%

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New Car LoanRate
1 Year4.80%
2 Year4.85%
3 Year4.85%
4 Year4.90%
5 Year4.90%
Variable Rate5.44%

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Rates are subject to change without notice at any time. Offer may change or be withdrawn at any time without notice. Other conditions and restrictions apply.

Service fees

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Business banking – see PDF