About Motor City Credit Union
Motor City Community Credit Union is a Windsor, Ontario credit union whose heritage dates to 1938, when the Printers' Industrial Credit Union formed inside the Windsor Star; auto-sector credit unions for Ford employees (1943) and Chrysler Motorco plant employees (1944) later merged into it. Once a set of closed-bond workplace credit unions, it is now a community credit union offering full personal and business banking to Windsor-Essex residents.
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Access: Geographically restricted · Open common bond
Eligible provinces: Ontario
How to join: Residents of Windsor-Essex can join by opening a membership at a branch.
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 2026-10-15| GIC ladder | Best rate |
|---|---|
| 1-year GIC | 3.00% |
| 2-year GIC | 3.25% |
| 3-year GIC | 3.30% |
| 4-year GIC | 3.50% |
| 5-year GIC | 3.75% |
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 2026-10-15Filter rates
| Term | Registration | Redeemable | Compounding | Interest paid | Min–Max deposit | Rate |
|---|---|---|---|---|---|---|
| Long-term — 1 year + | ||||||
| 1 year | Non-reg | N | — | At maturity | — | 3.00% |
| 1 year | Non-regRRSPTFSA | Y | — | At maturity | — | 0.65% |
| 21 months | Non-reg | N | — | At maturity | — | 3.50% |
| 2 years | Non-reg | N | — | At maturity | — | 3.25% |
| 26 months | Non-reg | N | — | At maturity | — | 3.80% |
| 3 years | Non-reg | N | — | At maturity | — | 3.30% |
| 42 months | Non-reg | N | — | At maturity | — | 3.70% |
| 4 years | Non-reg | N | — | At maturity | — | 3.50% |
| 5 years | Non-reg | N | — | At maturity | — | 3.75% |
| U.S. dollar — all terms | ||||||
| 30 days | Non-reg | N | — | At maturity | — | 0.10% |
| 90 days | Non-reg | N | — | At maturity | — | 0.10% |
| 1 year | Non-reg | N | — | At maturity | — | 0.35% |
No rates match these filters.
Savings & chequing rates
rates confirmed as of 2026-10-15Filter rates
| Type | Product | Calculated | Paid | Min. balance | Rate |
|---|---|---|---|---|---|
| Savings | |||||
| HISA | HIGH INTEREST SAVINGS ACCOUNT | — | — | $0 | 0.80% |
| HISA | HIGH INTEREST SAVINGS ACCOUNT | — | — | $5,000 | 0.80% |
| Junior | YOUTHSAVE | — | — | $0 | 2.00% |
| Junior | YOUTHSAVE | — | — | $10,000 | 1.00% |
No rates match these filters.
Mortgage rates
rates confirmed as of 2026-10-15Filter rates
| Term | Type | Open / closed | Insured | Posted rate |
|---|---|---|---|---|
| 1-year | Fixed | Open | No | 7.99% |
| 1-year | Fixed | Closed | No | 4.99% |
| 2-year | Fixed | Closed | No | 5.19% |
| 3-year | Fixed | Closed | No | 4.79% |
| 4-year | Fixed | Closed | No | 5.99% |
| 5-year | Fixed | Closed | No | 4.89% |
| 5-year | Fixed | Closed | Yes | 4.49% |
No mortgage rates match these filters.
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