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Kingston Community Credit Union

Credit union· Kingston, Ontario· Since 1957Anyone can join

About Kingston Community Credit Union

Kingston Community Credit Union (KCCU) is a member-owned Ontario credit union founded in 1957 as the Kingston Municipal Employees Credit Union by city workers. It became a full-service open community bond credit union in 1974 after merging with the Teamsters and Kingston General Hospital Employees credit unions, and today serves roughly 10,000 members with about $212M in assets through branches in Kingston.

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Access: Membership required · Open common bond

Eligible provinces: Ontario

How to join: Open a membership at a Kingston branch or online with a small membership share; membership is retained for life.

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 2026-10-11
Best GIC · 5-year3.45%
Best mortgage · 5-year fixed4.75%
Prime rate4.45%
GIC ladderBest rate
1-year GIC3.00%
2-year GIC3.10%
3-year GIC3.20%
4-year GIC3.30%
5-year GIC3.45%

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 2026-10-11
Filter rates
TermRegistrationRedeemableCompoundingInterest paidMin–Max depositRate
Long-term — 1 year +
1 yearNon-regN—At maturity—3.00%
1 yearNon-regcashable—At maturity—2.00%
2 yearsNon-regN—At maturity—3.10%
3 yearsNon-regN—At maturity—3.20%
4 yearsNon-regN—At maturity—3.30%
5 yearsNon-regN—At maturity—3.45%

Savings & chequing rates

rates confirmed as of 2026-10-11
Filter rates
TypeProductCalculatedPaidMin. balanceRate
Savings
HISAHigh Interest Savings Account (HISA)——$00.80%
HISAHigh Interest Savings Account (HISA)——$10,0000.80%
HISAHigh Interest Savings Account (HISA)——$25,0000.80%
HISAHigh Interest Savings Account (HISA)——$100,0000.80%

Mortgage rates

rates confirmed as of 2026-10-11
Filter rates
TermTypeOpen / closedInsuredPosted rate
6-monthFixedOpenNo7.95%
6-monthFixedClosedNo6.10%
1-yearFixedClosedNo5.00%
2-yearFixedClosedNo4.59%
3-yearFixedClosedNo4.64%
4-yearFixedClosedNo4.70%
5-yearFixedClosedNo4.80%
Fixed – Discount (Closed)Fixed · closed · conventional · 1-year to 5-year terms
1-yearFixedClosedNo5.00%
2-yearFixedClosedNo4.59%
3-yearFixedClosedNo4.64%
4-yearFixedClosedNo4.70%
5-yearFixedClosedNo4.75%
Fixed – CHMC (Closed)Fixed · closed · insured (high-ratio) · 5-year term
5-yearFixedClosedYes4.80%

Home equity line of credit

ProductPosted rate
Basic Variable Rate Mortgage (HELOC)5.60%

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