About Lighthouse Credit Union
Toronto credit union approved by FSRA in March 2022 — the first new credit union in Ontario in more than a decade. Primarily serves the Greater Toronto Area's Jewish community and the community at large, with a focus on residential mortgages, everyday banking and GICs, operating largely virtually with a branch at 2793 Bathurst Street, Toronto.
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Access: Membership required · Open common bond
Eligible provinces: Ontario
How to join: Short online membership application via the Become a Member page.
Notes: Classified open per project definition (no enforced profession/community requirement found); flagged for review since the brand's stated purpose is community-specific (GTA Jewish community).
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 2026-09-21| GIC ladder | Best rate |
|---|---|
| 1-year GIC | 3.60% |
| 2-year GIC | 3.65% |
| 3-year GIC | 3.90% |
| 4-year GIC | 3.94% |
| 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
— not stated on siterates confirmed as of 2026-09-21Filter rates
| Term | Registration | Redeemable | Compounding | Interest paid | Min–Max deposit | Rate |
|---|---|---|---|---|---|---|
| Long-term — 1 year + | ||||||
| 1 year | Non-reg | N | Annually | At maturity | $3k+ | 3.60% |
| 2 years | Non-reg | N | Annually | At maturity | $3k+ | 3.65% |
| 3 years | Non-reg | N | Annually | At maturity | $3k+ | 3.90% |
| 4 years | Non-reg | N | Annually | At maturity | $3k+ | 3.94% |
| 5 years | Non-reg | N | Annually | At maturity | $3k+ | 4.00% |
No rates match these filters.
Savings & chequing rates
rates confirmed as of 2026-09-21Filter rates
| Type | Product | Calculated | Paid | Min. balance | Rate |
|---|---|---|---|---|---|
| Savings | |||||
| HISA | High Interest Savings (No-Fee) | — | — | $0 | 2.75% |
| Chequing | |||||
| Chequing | Chequing Account | — | — | $0 | 2.00% |
No rates match these filters.
Mortgage rates
rates confirmed as of 2026-09-21Filter rates
| Term | Type | Open / closed | Insured | Posted rate |
|---|---|---|---|---|
| 1-year | Fixed | Closed | No | 5.95% |
| 2-year | Fixed | Closed | No | 5.95% |
| 3-year | Fixed | Closed | No | 5.95% |
| 1-year | Fixed | Closed | Yes | 6.99% |
No mortgage rates match these filters.
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