About OPPA Credit Union
OPPA Credit Union is the credit union of the Ontario Provincial Police Association, started by officers in 1971 and headquartered in Barrie, Ontario. It provides banking, lending, and investment services tailored to OPP officers, civilian staff, and their families, operating one Barrie branch plus digital channels.
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Access: Membership required · Closed common bond
Eligible provinces: Ontario
How to join: Eligible OPP members, staff, or family members apply through OPPA Credit Union's Barrie branch or online.
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 | 2.60% |
| 2-year GIC | 3.00% |
| 3-year GIC | 3.40% |
| 4-year GIC | 4.00% |
| 5-year GIC | 3.70% |
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-regRRSPRESPRRIFTFSA | N | — | At maturity | — | 2.60% |
| 1 year | Non-reg | Y | — | At maturity | — | 2.25% |
| 2 years | Non-regRRSPRESPRRIFTFSA | N | — | At maturity | — | 3.00% |
| 3 years | Non-regRRSPRESPRRIFTFSA | N | — | At maturity | — | 3.40% |
| 4 years | Non-reg | N | — | At maturity | $100k+ | 4.00% |
| 4 years | Non-regRRSPRESPRRIFTFSA | N | — | At maturity | — | 3.50% |
| 5 years | Non-regRRSPRESPRRIFTFSA | N | — | At maturity | — | 3.70% |
| Flex Term Deposit RRSP Payroll Savings PlanNon-redeemable · paid at maturity | ||||||
| 1 year | RRSP | N | — | At maturity | — | 0.75% |
| Pensioner's Parking AccountNon-redeemable · paid at maturity | ||||||
| 1 year | Non-reg | N | — | At maturity | — | 1.25% |
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 | Fat Cat Savings Account | — | — | $0 | 0.01% |
| Savings | High-Speed Savings Account | — | — | $0 | 0.50% |
| Savings | High-Speed Savings Account | — | — | $75,000 | 1.25% |
| Savings | High-Speed Savings Account | — | — | $150,000 | 1.75% |
| Savings | Optimum Savings Account | — | — | $0 | 0.75% |
| Savings | Plan24 Savings Account | — | — | $0 | 0.00% |
| Savings | Plan24 Savings Account | — | — | $5,000 | 0.00% |
| Savings | Plan24 Savings Account | — | — | $10,000 | 0.01% |
| Savings | Plan24 Savings Account | — | — | $25,000 | 0.01% |
| Savings | Plan24 Savings Account | — | — | $60,000 | 0.03% |
| Savings | Plan24 Savings Account | — | — | $100,000 | 0.05% |
| Savings | Plan24 Savings Account | — | — | $150,000 | 0.15% |
| RRSP | |||||
| RRSP | Variable RRSP | — | — | — | 0.50% |
| RRIF | |||||
| RRIF | Variable RRIF | — | — | — | 0.50% |
| TFSA | |||||
| TFSA | TFSA Savings Account - High Interest Savings | — | — | — | 0.75% |
| FHSA | |||||
| FHSA | FHSA: First Time Home Buyer Savings Account | — | — | — | 3.00% |
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 |
|---|---|---|---|---|
| 6-month | Fixed | Open | No | 6.75% |
| 1-year | Fixed | Closed | No | 5.24% |
| 1-year | Fixed | Closed | No | 5.84% |
| 2-year | Fixed | Closed | No | 4.84% |
| 2-year | Fixed | Closed | No | 5.44% |
| 3-year | Fixed | Closed | No | 4.44% |
| 3-year | Fixed | Closed | No | 6.05% |
| 4-year | Fixed | Closed | No | 4.54% |
| 4-year | Fixed | Closed | No | 5.99% |
| 5-year | Fixed | Closed | No | 4.59% |
| 5-year | Fixed | Closed | No | 6.09% |
| 6-month | Fixed | Convertible | No | 6.20% |
| 6-month | Fixed | Convertible | No | 7.20% |
| 5-year | Variable | Open | No | 7.45% |
| 5-year | Variable | Closed | No | 3.95% |
| 3-year | Fixed | Closed | Yes | 4.19% |
| 3-year | Fixed | Closed | Yes | 6.05% |
| 5-year | Fixed | Closed | Yes | 4.34% |
| 5-year | Fixed | Closed | Yes | 6.09% |
No mortgage rates match these filters.
Home equity line of credit
| Product | Posted rate |
|---|---|
| OPPA Credit Union Home Equity Line of Credit - Real Estate Secured | 5.45%Prime + 1.00% |
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