About New Waterford Credit Union
New Waterford Credit Union is a member-owned cooperative financial institution founded in 1933 in the coal-mining town of New Waterford, Cape Breton, Nova Scotia. A single-community, full-service credit union, it serves over 2,000 members with more than $70 million in assets, offering everyday banking and lending.
MoreLess
Access: Membership required · Open common bond
Eligible provinces: Nova Scotia
How to join: Open a membership account at the New Waterford branch (1-902-862-6453).
Deposit protection: Nova Scotia Credit Union Deposit Insurance Corporation
up to $250,000
Current top rates
rates confirmed as of 2026-10-15| GIC ladder | Best rate |
|---|---|
| 1-year GIC | 2.55% |
| 2-year GIC | 2.75% |
| 3-year GIC | 2.85% |
| 4-year GIC | 2.90% |
| 5-year GIC | 3.05% |
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 2026-10-15Filter rates
| Term | Registration | Redeemable | Compounding | Interest paid | Min–Max deposit | Rate |
|---|---|---|---|---|---|---|
| Long-term — 1 year + | ||||||
| 1 year | Non-regRRSPRRIFTFSA | N | — | At maturity | — | 2.55% |
| 2 years | Non-regRRSPRRIFTFSA | N | — | At maturity | — | 2.75% |
| 3 years | Non-regRRSPRRIFTFSA | N | — | At maturity | — | 2.85% |
| 4 years | Non-regRRSPRRIFTFSA | N | — | At maturity | — | 2.90% |
| 5 years | Non-regRRSPRRIFTFSA | N | — | At maturity | — | 3.05% |
No rates match these filters.
Mortgage rates
rates confirmed as of 2026-10-15Filter rates
| Term | Type | Open / closed | Insured | Posted rate |
|---|---|---|---|---|
| 6-month | Fixed | Open | No | 8.29% |
| 6-month | Fixed | Closed | No | 7.14% |
| 1-year | Fixed | Closed | No | 5.19% |
| 2-year | Fixed | Closed | No | 5.09% |
| 3-year | Fixed | Closed | No | 4.99% |
| 4-year | Fixed | Closed | No | 4.89% |
| 5-year | Fixed | Closed | No | 4.79% |
| No set term | Variable | Closed | No | 6.45%Prime + 2.00% |
No mortgage rates match these filters.
Home equity line of credit
| Product | Posted rate |
|---|---|
| Secured Line of Credit / Home Equity LOC | 7.45%Prime + 3.00% |
We hunt. You gather.
Rates change without notice. Get rate alerts from Ratehunter and you'll be the first to know when New Waterford Credit Union — or anyone else — posts a better rate.
Get rate alertsBrowse all institutions · Best GIC rates · Best HISA rates · Best mortgage rates