About Frontline Credit Union
Frontline Credit Union (legally Frontline Financial Credit Union Limited) is a member-owned credit union founded in 1948 by Ottawa firefighters. It serves over 5,000 members, predominantly people working in fire, health and hydro services in the Ottawa area. It offers personal banking, lending and investment products from branches in Westboro and Kanata.
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Access: Membership required
Eligible provinces: Ontario
How to join: Apply online via the Become a Member application or contact the Ottawa branches.
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 2026-10-11| GIC ladder | Best rate |
|---|---|
| 1-year GIC | 2.75% |
| 2-year GIC | 3.25% |
| 3-year GIC | 3.25% |
| 4-year GIC | 3.75% |
| 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 2026-10-11Filter rates
| Term | Registration | Redeemable | Compounding | Interest paid | Min–Max deposit | Rate |
|---|---|---|---|---|---|---|
| Long-term — 1 year + | ||||||
| 1 year | Non-reg | N | — | At maturity | $1k+ | 2.75% |
| 2 years | Non-reg | N | — | At maturity | $1k+ | 3.25% |
| 3 years | Non-reg | N | — | At maturity | $25k+ | 3.00% |
| 3 years | Non-reg | N | — | At maturity | $1k+ | 3.25% |
| 4 years | Non-reg | N | — | At maturity | $1k+ | 3.75% |
| 5 years | Non-reg | N | — | At maturity | $1k+ | 4.00% |
| 5 years | Non-reg | cashable | — | At maturity | $25k+ | 4.00% |
No rates match these filters.
Savings & chequing rates
rates confirmed as of 2026-10-11Filter rates
| Type | Product | Calculated | Paid | Min. balance | Rate |
|---|---|---|---|---|---|
| Savings | |||||
| Savings | Bonus Savings | — | — | $0 | 0.25% |
| Savings | Daily Interest Savings | — | — | $0 | 0.25% |
| Savings | Tax Free Savings (TFSA) | — | — | $0 | 0.75% |
| HISA | High Interest Savings | — | — | $0 | 0.25% |
| Chequing | |||||
| Chequing | CUGold | — | — | $25,000 | 0.25% |
| Chequing | Super Senior Chequing | — | — | $25,000 | 0.25% |
No rates match these filters.
Mortgage rates
rates confirmed as of 2026-10-11Filter rates
| Term | Type | Open / closed | Insured | Posted rate |
|---|---|---|---|---|
| 6-month | Fixed | Open | No | 6.45% |
| 1-year | Fixed | Open | No | 6.45% |
| 6-month | Fixed | Closed | No | 6.45% |
| 1-year | Fixed | Closed | No | 6.45% |
| 2-year | Fixed | Closed | No | 5.25% |
| 3-year | Fixed | Closed | No | 4.65% |
| 4-year | Fixed | Closed | No | 4.65% |
| 5-year | Fixed | Closed | No | 4.64% |
| 6-month | Fixed | Convertible | No | 6.45% |
No mortgage rates match these filters.
Home equity line of credit
| Product | Posted rate |
|---|---|
| CreditMaster Home Equity Line of Credit - starting at | 5.15% |
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