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DUCA

Credit union· Toronto, Ontario· Since 1954Anyone can join

RH

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data as of 2026-10-16 · How we track rates

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About DUCA

DUCA Financial Services Credit Union Ltd. is a member-owned Ontario credit union founded in 1954 by Dutch immigrants as the Dutch Canadian Toronto Credit Union. It has grown to roughly 19 branches and over 93,000 members across the Greater Toronto Area and Southern Ontario, offering full personal and business banking including deposits, mortgages, loans and investments. It was among the first Canadian credit unions to earn B Corp certification.

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Access: Membership required · Open common bond

Eligible provinces: Ontario

How to join: Open a membership online at join.duca.com or at any branch and purchase membership shares.

Notes: Ontario credit union.

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

How deposit insurance works →

Current top rates

rates confirmed as of 2026-10-14
Best GIC · 4-year3.90%
Prime rate4.45%
GIC ladderBest rate
1-year GIC3.20%
2-year GIC3.70%
3-year GIC3.70%
4-year GIC3.90%
5-year GIC3.85%

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

— not stated on siterates confirmed as of 2026-10-14
Filter rates
TermRegistrationRedeemableCompoundingInterest paidMin–Max depositRate
Short-term — under 1 year
32 – 59 daysNon-regNAnnuallyAt maturity$500+1.25%
60 – 179 daysNon-regNAnnuallyAt maturity$500+1.50%
60 – 179 daysRRSPRESPRRIFTFSALIFN—At maturity$500+ reg1.50%
3 monthsNon-regNAnnuallyAt maturity$500+4.40%
6 monthsNon-regNAnnuallyAt maturity$500+2.50%
6 monthsRRSPRESPRRIFTFSALIFN—At maturity$500+ reg2.50%
180 – 364 daysNon-regNAnnuallyAt maturity$500+2.40%
180 – 364 daysRRSPRESPRRIFTFSALIFN—At maturity$500+ reg2.40%
180 – 364 daysNon-regY—At maturity$500+1.75%
Long-term — 1 year +
1 yearNon-regNAnnuallyAt maturity$500+3.20%
1 yearRRSPRESPRRIFTFSALIFN—At maturity$500+ reg3.20%
1 yearNon-regY—At maturity$500+2.60%
18 monthsNon-regNAnnuallyAt maturity$500+3.85%
18 monthsRRSPRESPRRIFTFSALIFN—At maturity$500+ reg3.25%
2 yearsNon-regNAnnuallyAt maturity$500+3.70%
2 yearsRRSPRESPRRIFTFSALIFN—At maturity$500+ reg3.70%
2 yearsNon-regY—At maturity$500+3.10%
3 yearsNon-regNAnnuallyAt maturity$500+3.70%
3 yearsRRSPRESPRRIFTFSALIFN—At maturity$500+ reg3.70%
3 yearsNon-regY—At maturity$500+3.10%
4 yearsNon-regNAnnuallyAt maturity$500+3.90%
4 yearsRRSPRESPRRIFTFSALIFN—At maturity$500+ reg3.90%
4 yearsNon-regY—At maturity$500+3.30%
5 yearsNon-regNAnnuallyAt maturity$500+3.85%
5 yearsRRSPRESPRRIFTFSALIFN—At maturity$500+ reg3.85%
5 yearsNon-regY—At maturity$500+3.25%
7 yearsNon-regNAnnuallyAt maturity$500+3.85%
7 yearsRRSPRESPRRIFTFSALIFN—At maturity$500+ reg3.85%
7 yearsNon-regY—At maturity$500+3.25%
Flex20 GICCashable · paid at maturity · $500 minimum
20 monthsNon-regRRSPRRIFTFSALIRAcashable—At maturity$500+3.00%
Flex30 GICCashable · paid at maturity · $500 minimum
30 monthsNon-regRRSPRRIFTFSALIRAcashable—At maturity$500+3.05%
Flex40 GICCashable · paid at maturity · $500 minimum
40 monthsNon-regRRSPRRIFTFSALIRAcashable—At maturity$500+3.05%
Flex50 GICCashable · paid at maturity · $500 minimum
50 monthsNon-regRRSPRRIFTFSALIRAcashable—At maturity$500+3.10%
Flex80 GICCashable · paid at maturity · $500 minimum
80 monthsNon-regRRSPRRIFTFSALIRAcashable—At maturity$500+3.25%

Savings & chequing rates

rates confirmed as of 2026-10-14
Filter rates
TypeProductCalculatedPaidMin. balanceRate
Savings
SavingsAim For More Savings (interest paid semi–annually)DailySemi-annually—0.05%
SavingsCharity Savings (interest paid semi–annually)DailySemi-annually—0.05%
SavingsDaylight Savings (interest paid semi–annually)DailySemi-annually—0.05%
SavingsEarn More Savings Account (interest paid monthly)DailyMonthly—0.25%
SavingsEvermore Premium Savings (interest paid semi–annually)DailySemi-annually—0.05%
SavingsFeel Free Savings (interest paid semi–annually)DailySemi-annually—0.05%
JuniorChildren's Savings (interest paid semi–annually)DailySemi-annually—0.10%
USDUS Dollar AccountUS$DailyQuarterly$2000.30%
USDUS Dollar AccountUS$DailyQuarterly$5,0000.40%
EUREuro Account€DailyQuarterly$1,0000.00%
EUREuro Account€DailyQuarterly$10,0000.00%
Chequing
ChequingRise Chequing (interest paid monthly)DailyMonthly—2.00%
RRSP
RRSPEarn More RRSP/RRIF/RESP (interest paid monthly)DailyMonthly—0.25%
RESP
RESPEarn More RRSP/RRIF/RESP (interest paid monthly)DailyMonthly—0.25%
RRIF
RRIFEarn More RRSP/RRIF/RESP (interest paid monthly)DailyMonthly—0.25%
TFSA
TFSAEarn More TFSA (interest paid monthly)DailyMonthly—0.25%

Mortgage rates

rates confirmed as of 2026-10-14
Filter rates
TermTypeOpen / closedInsuredPosted rate
1-yearFixed · Second mortgageOpenNo9.99%
1-yearFixed · Second mortgageClosedNo5.84%
2-yearFixed · Second mortgageClosedNo5.74%
3-yearFixed · Second mortgageClosedNo4.79%
4-yearFixed · Second mortgageClosedNo5.39%
5-yearFixed · Second mortgageClosedNo5.09%
6-monthFixed · Second mortgageConvertibleNo9.99%
3-yearVariable · Second mortgageClosedNo5.10%
3-yearVariable · Second mortgageClosedNo5.25%
5-yearVariable · Second mortgageClosedNo4.85%
5-yearVariable · Second mortgageClosedNo5.00%
1-yearFixed · Co-op / co-ownershipOpenNo9.99%
1-yearFixed · Co-op / co-ownershipClosedNo6.24%
2-yearFixed · Co-op / co-ownershipClosedNo6.14%
3-yearFixed · Co-op / co-ownershipClosedNo5.19%
4-yearFixed · Co-op / co-ownershipClosedNo5.79%
5-yearFixed · Co-op / co-ownershipClosedNo5.49%
6-monthFixed · Co-op / co-ownershipConvertibleNo9.99%
Low Rate Mortgage (Insured High Ratio)insured (high-ratio) · 6-month to 5-year terms
1-yearFixedClosedYes5.14%
2-yearFixedClosedYes5.04%
3-yearFixedClosedYes4.49%
4-yearFixedClosedYes4.69%
5-yearFixedClosedYes4.39%
6-monthFixedConvertibleYes9.99%
3-yearVariableClosedYes4.15%
3-yearVariableClosedYes4.45%
5-yearVariableClosedYes3.90%
5-yearVariableClosedYes4.29%

Home equity line of credit

ProductPosted rate
PrimeLine Line of Credit - Secured - Owner Occupied Residential Real Estate4.95%

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