About Northern Birch Credit Union
Northern Birch Credit Union is a Toronto-based credit union formed January 1, 2020 by the merger of Toronto's Estonian and Latvian credit unions, whose roots date to post-WWII Baltic immigration. It is member-owned and offers personal and business banking, with continued ties to the Estonian and Latvian communities.
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Access: Membership required · Open common bond
Eligible provinces: Ontario
How to join: Apply with two pieces of valid ID, an Ontario address, a SIN, and purchase $20 in membership shares.
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 | 4.00% |
| 2-year GIC | 3.25% |
| 3-year GIC | 3.30% |
| 4-year GIC | 3.35% |
| 5-year GIC | 3.60% |
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-regRRSPRRIFTFSAFHSA | N | — | At maturity | $10k+ | 4.00% |
| 1 year | Non-reg | N | — | At maturity | $10k+ | 3.25% |
| 1 year | Non-regRRSPRRIFFHSA | N | — | At maturity | $10k+ | 3.10% |
| 2 years | Non-regRRSPRRIFFHSA | N | — | At maturity | — | 3.25% |
| 3 years | Non-regRRSPRRIFFHSA | N | — | At maturity | — | 3.30% |
| 4 years | Non-regRRSPRRIFFHSA | N | — | At maturity | — | 3.35% |
| 5 years | Non-regRRSPRRIFFHSA | N | — | At maturity | — | 3.60% |
No rates match these filters.
Savings & chequing rates
rates confirmed as of 2026-10-15Filter rates
| Type | Product | Calculated | Paid | Min. balance | Rate |
|---|---|---|---|---|---|
| Savings | |||||
| Savings | Premium Savings Account | — | — | $0 | 1.05% |
| USD | U.S. Daily Interest SavingsUS$ | — | — | — | 0.40% |
| EUR | EURO Daily Interest Savings€ | — | — | — | 0.02% |
| Chequing | |||||
| Chequing | Chequing Account (Tiered) | — | — | $0 | 0.01% |
| Chequing | Chequing Account (Tiered) | — | — | $5,000 | 0.01% |
| Chequing | Chequing Account (Tiered) | — | — | $10,000 | 0.02% |
| Chequing | Chequing Account (Tiered) | — | — | $25,000 | 0.05% |
| Chequing | Chequing Account (Tiered) | — | — | $60,000 | 0.10% |
| USD | U.S. Monthly Interest ChequingUS$ | — | — | — | 0.05% |
| RRIF | |||||
| RRIF | Variable Registered InvestmentsUS$ | — | — | — | 1.05% |
| TFSA | |||||
| TFSA | Variable Registered InvestmentsUS$ | — | — | — | 1.05% |
| FHSA | |||||
| FHSA | Variable Registered InvestmentsUS$ | — | — | — | 1.05% |
No rates match these filters.
Mortgage rates
Highlighted rows are promo ratesrates confirmed as of 2026-10-15Filter rates
| Term | Type | Open / closed | Insured | Posted rate |
|---|---|---|---|---|
| 1-year | Fixed | Open | No | 9.75% |
| 1-year | Fixed | Closed | No | 4.74% |
| 1-year | Fixed | Closed | No | 5.49% |
| 2-year | Fixed | Closed | No | 4.49% |
| 2-year | Fixed | Closed | No | 4.89% |
| 3-year | Fixed | Closed | No | 4.69% |
| 3-year | Fixed | Closed | No | 6.05% |
| 4-year | Fixed | Closed | No | 4.89% |
| 4-year | Fixed | Closed | No | 5.99% |
| 5-year | Fixed | Closed | No | 4.94% |
| 5-year | Fixed | Closed | No | 6.09% |
| 5-year | Variable | Open | No | 7.65% |
| 5-year | Variable | Closed | No | 4.45% |
| 5-year | Fixed | Closed | Yes | 4.54% |
| 5-year | Variable | Closed | Yes | 3.54% |
| 5-year | Variable | Closed | Yes | 3.65% |
No mortgage rates match these filters.
Home equity line of credit
| Product | Posted rate |
|---|---|
| HOME EQUITY LINE OF CREDIT | 4.95% |
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