About Public Service Credit Union
Public Service Credit Union (PSCU) is a small member-owned cooperative financial institution based in St. John's, Newfoundland and Labrador, with over 5,300 member-owners and about $43 million in assets. Despite its name, membership is open to all residents of Newfoundland and Labrador, not just public service employees. It offers everyday banking, lending, and investment products.
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Access: Membership required · Open common bond
Eligible provinces: Newfoundland & Labrador
How to join: Apply online at apply.pscu.ca, by phone, or at a branch.
Deposit protection: Credit Union Deposit Guarantee Corporation (Newfoundland and Labrador)
up to $250,000
Current top rates
rates confirmed as of 2026-10-15| GIC ladder | Best rate |
|---|---|
| 1-year GIC | 2.50% |
| 2-year GIC | 2.60% |
| 3-year GIC | 2.65% |
| 4-year GIC | 2.70% |
| 5-year GIC | 2.75% |
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
— 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 | RESP | N | — | At maturity | — | 2.85% |
| 1 year | Non-regRRSPRRIFTFSA | N | — | At maturity | $500+ | 2.50% |
| 1 year | Non-reg | N | — | Annually | $500+ | 2.50% |
| 2 years | RESP | N | — | At maturity | — | 3.20% |
| 2 years | Non-regRRSPRRIFTFSA | N | — | At maturity | $500+ | 2.60% |
| 2 years | Non-reg | N | — | Annually | $500+ | 2.60% |
| 3 years | RESP | N | — | At maturity | — | 3.45% |
| 3 years | Non-regRRSPRRIFTFSA | N | — | At maturity | $500+ | 2.65% |
| 3 years | Non-reg | N | — | Annually | $500+ | 2.65% |
| 4 years | RESP | N | — | At maturity | — | 3.55% |
| 4 years | Non-regRRSPRRIFTFSA | N | — | At maturity | $500+ | 2.70% |
| 4 years | Non-reg | N | — | Annually | $500+ | 2.70% |
| 5 years | RESP | N | — | At maturity | — | 3.70% |
| 5 years | Non-regRRSPRRIFTFSA | N | — | At maturity | $500+ | 2.75% |
| 5 years | Non-reg | N | — | Annually | $500+ | 2.75% |
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 | RESP - Cashable | — | — | — | 0.30% |
| Savings | RESPs - Variable | — | — | — | 0.15% |
| Savings | Your Savings | — | — | $0 | 0.01% |
| Savings | Your Savings | — | — | $5,000 | 0.01% |
| Savings | Your Savings | — | — | $10,000 | 0.02% |
| Savings | Your Savings | — | — | $25,000 | 0.02% |
| Savings | Your Savings | — | — | $60,000 | 0.02% |
| HISA | High Interest Savings | — | — | — | 0.50% |
| Chequing | |||||
| Chequing | Your Chequing | — | — | $0 | 0.00% |
| Chequing | Your Chequing | — | — | $1,000 | 0.00% |
| Chequing | Your Chequing | — | — | $5,000 | 0.01% |
| RRIF | |||||
| RRIF | RRIF Variable | — | — | — | 0.05% |
| TFSA | |||||
| TFSA | Tax-Free Savings HISA | — | — | — | 0.50% |
| FHSA | |||||
| FHSA | First Home Savings Account (FHSA) – Variable | — | — | — | 2.75% |
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 | Closed | No | 5.29% |
| 2-year | Fixed | Closed | No | 5.19% |
| 3-year | Fixed | Closed | No | 4.49% |
| 4-year | Fixed | Closed | No | 5.34% |
| 5-year | Fixed | Closed | No | 4.59% |
No mortgage rates match these filters.
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