About BCU Financial
BCU Financial (Buduchnist Credit Union Limited — 'buduchnist' means 'future' in Ukrainian) is a Toronto-based credit union granted an Ontario provincial charter in 1952, founded by 25 Ukrainian newcomers with $22,000. It serves 20,000+ members, about 95% of Ukrainian descent, with full personal and business banking and newcomer support through nine branches in the GTA, Hamilton and Ottawa.
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Access: Membership required
Eligible provinces: Ontario
How to join: Apply online at apply.bcufinancial.com or visit a branch; account holders become member-owners.
Deposit protection: Financial Services Regulatory Authority of Ontario
prudential regulator + administers the Deposit Insurance Reserve Fund: unlimited on registered accounts, $250,000 non-registered; absorbed DICO in 2019
Current top rates
rates confirmed as of 2026-10-12| GIC ladder | Best rate |
|---|---|
| 1-year GIC | 3.40% |
| 2-year GIC | 3.60% |
| 3-year GIC | 3.80% |
| 4-year GIC | 3.95% |
| 5-year GIC | 4.00% |
Base ladder rates. Institution may have more term rates below.
Rate history builds here as we track this institution's rates over time.
Term deposit rates
Highlighted rows are promo rates— not stated on siterates confirmed as of 2026-10-12Filter rates
| Term | Registration | Redeemable | Compounding | Interest paid | Min–Max deposit | Rate |
|---|---|---|---|---|---|---|
| Short-term — under 1 year | ||||||
| 30 – 59 days | Non-reg | N | — | At maturity | $1k+ | 0.50% |
| 60 – 89 days | Non-reg | N | — | At maturity | $1k+ | 0.60% |
| 90 – 179 days | Non-reg | N | — | At maturity | $1k+ | 2.00% |
| 6 months | Non-reg | N | — | At maturity | — | 4.15% |
| 180 – 269 days | Non-reg | N | — | At maturity | $1k+ | 2.05% |
| 270 – 364 days | Non-reg | N | — | At maturity | $1k+ | 2.10% |
| Long-term — 1 year + | ||||||
| 1 year | Non-regRRSPRESPRRIFTFSAFHSALIFLRIF | N | — | Annually | $1k+ | 3.40% |
| 2 years | Non-regRRSPRESPRRIFTFSAFHSALIFLRIF | N | — | Annually | $1k+ | 3.60% |
| 3 years | Non-regRRSPRESPRRIFTFSAFHSALIFLRIF | N | — | Annually | $1k+ | 3.80% |
| 4 years | Non-regRRSPRESPRRIFTFSAFHSALIFLRIF | N | — | Annually | $1k+ | 3.95% |
| 5 years | Non-regRRSPRESPRRIFTFSAFHSALIFLRIF | N | — | Annually | $1k+ | 4.00% |
| U.S. dollar — all terms | ||||||
| 30 – 59 days | Non-reg | N | — | At maturity | $1k+ | 0.50% |
| 60 – 89 days | Non-reg | N | — | At maturity | $1k+ | 0.60% |
| 90 – 179 days | Non-reg | N | — | At maturity | $1k+ | 0.70% |
| 180 – 269 days | Non-reg | N | — | At maturity | $1k+ | 0.80% |
| 270 – 364 days | Non-reg | N | — | At maturity | $1k+ | 0.90% |
| 1 year | Non-reg | N | — | At maturity | — | 4.00% |
| 1 year | Non-reg | N | — | Annually | $1k+ | 2.25% |
| 2 years | Non-reg | N | — | Annually | $1k+ | 2.50% |
| 3 years | Non-reg | N | — | Annually | $1k+ | 2.75% |
| 4 years | Non-reg | N | — | Annually | $1k+ | 3.25% |
| 5 years | Non-reg | N | — | Annually | $1k+ | 3.50% |
No rates match these filters.
Savings & chequing rates
rates confirmed as of 2026-10-12Filter rates
| Type | Product | Calculated | Paid | Min. balance | Rate |
|---|---|---|---|---|---|
| Savings | |||||
| Savings | Link Savings Account | — | — | $0 | 1.05% |
| Savings | Regular Savings account | — | — | $0 | 0.10% |
| USD | US Savings AccountUS$ | — | — | $0 | 0.05% |
| RRSP | |||||
| RRSP | Registered Retirement Savings Plan (RRSP) - Savings | Semi-annually | Annually | — | 0.50% |
| RESP | |||||
| RESP | Registered Education Savings Plan (RESP) - Savings | Semi-annually | Annually | — | 0.50% |
| RRIF | |||||
| RRIF | Registered Retirement Income Fund (RRIF) - Savings | Semi-annually | Annually | — | 0.50% |
| TFSA | |||||
| TFSA | Tax-Free Savings Account (TFSA) - Savings | Semi-annually | Annually | — | 0.50% |
| FHSA | |||||
| FHSA | First Home Savings Account (FHSA) - Savings | Semi-annually | Annually | — | 0.50% |
| LIF | |||||
| LIF | Life Income Fund (LIF) - Savings | Semi-annually | Annually | — | 0.50% |
| LRIF | |||||
| LRIF | LRIF - Savings | Semi-annually | Annually | — | 0.50% |
No rates match these filters.
Mortgage rates
rates confirmed as of 2026-10-12Filter rates
| Term | Type | Open / closed | Insured | Posted rate |
|---|---|---|---|---|
| 6-month | Fixed | Open | No | 7.94% |
| 3-year | Fixed | Open | No | 7.20% |
| 1-year | Fixed | Closed | No | 5.99% |
| 2-year | Fixed | Closed | No | 5.69% |
| 3-year | Fixed | Closed | No | 5.29% |
| 4-year | Fixed | Closed | No | 5.29% |
| 5-year | Fixed | Closed | No | 4.99% |
| 3-year | Variable | Open | No | 5.40% |
No mortgage rates match these filters.
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