About Sudbury Credit Union
Sudbury Credit Union Limited is a member-owned Ontario credit union founded in 1951 as Copper Cliff Community Credit Union by 24 residents of the local mining community. It serves over 15,000 members in the Greater Sudbury area with personal and business banking, lending and investments, and is governed by a member-elected board.
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Access: Membership required · Open common bond
Eligible provinces: Ontario
How to join: Complete the secure online membership application with two pieces of ID and your SIN; an advisor follows up within one business day.
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 2026-10-11| GIC ladder | Best rate |
|---|---|
| 1-year GIC | 2.45% |
| 2-year GIC | 2.50% |
| 3-year GIC | 2.60% |
| 4-year GIC | 2.70% |
| 5-year GIC | 3.00% |
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 2026-10-11Filter rates
| Term | Registration | Redeemable | Compounding | Interest paid | Min–Max deposit | Rate |
|---|---|---|---|---|---|---|
| Short-term — under 1 year | ||||||
| 30 – 89 days | Non-regRRIF | N | — | At maturity | — | 2.00% |
| 90–364 days | Non-regRRSP | N | — | At maturity | — | 2.10% |
| Long-term — 1 year + | ||||||
| 1 year | Non-regRRSP | N | — | At maturity | — | 2.45% |
| 1 year | Non-reg | Y | — | At maturity | $1k – $500k | 2.00% |
| 16 months | Non-regRRSPRRIFTFSA | N | — | At maturity | $1k+ | 3.00% |
| 2 years | Non-regRRSP | N | — | At maturity | — | 2.50% |
| 30 months | Non-regRRSPRRIFTFSA | N | — | At maturity | $1k+ | 3.30% |
| 3 years | Non-regRRSP | N | — | At maturity | — | 2.60% |
| 40 months | Non-regRRSPRRIFTFSA | N | — | At maturity | $1k+ | 4.00% |
| 4 years | Non-regRRIF | N | — | At maturity | — | 2.70% |
| 5 years | Non-regRRIF | N | — | At maturity | — | 3.00% |
No rates match these filters.
Savings & chequing rates
rates confirmed as of 2026-10-11Filter rates
| Type | Product | Calculated | Paid | Min. balance | Rate |
|---|---|---|---|---|---|
| Savings | |||||
| Savings | Golden accounts | — | — | $25,000 | 0.20% |
| Savings | PERSONAL 1 ACCOUNT | — | — | $5,000 | 0.10% |
| Savings | PLAN 24 SAVINGS | — | — | $0 | 0.10% |
| Savings | PLAN 24 SAVINGS | — | — | $25,000 | 0.20% |
| Savings | PLAN 24 SAVINGS | — | — | $75,000 | 0.30% |
| USD | US DOLLAR ACCOUNTUS$ | — | — | $5,000 | 0.05% |
| RRSP | |||||
| RRSP | Daily Savings RRSP Account | — | — | — | 0.50% |
| RRIF | |||||
| RRIF | Daily Savings RRIF/LIF Account | — | — | — | 0.50% |
| TFSA | |||||
| TFSA | Daily Savings TFSA | — | — | — | 0.65% |
| FHSA | |||||
| FHSA | Daily Savings FHSA | — | — | — | 0.65% |
| LIF | |||||
| LIF | Daily Savings RRIF/LIF Account | — | — | — | 0.50% |
No rates match these filters.
Mortgage rates
Highlighted rows are promo ratesrates confirmed as of 2026-10-11Filter rates
| Term | Type | Open / closed | Insured | Posted rate |
|---|---|---|---|---|
| 1-year | Fixed | Open | No | 9.95% |
| 1-year | Fixed | Closed | No | 5.49% |
| 2-year | Fixed | Closed | No | 5.29% |
| 3-year | Fixed | Closed | No | 4.59% |
| 3-year | Fixed | Closed | No | 5.99% |
| 4-year | Fixed | Closed | No | 5.99% |
| 5-year | Fixed | Closed | No | 4.69% |
| 5-year | Fixed | Closed | No | 5.99% |
| 5-year | Variable | Closed | No | 4.25% |
| 3-year | Fixed | Closed | Yes | 4.49% |
| 5-year | Fixed | Closed | Yes | 4.59% |
No mortgage rates match these filters.
Home equity line of credit
| Product | Posted rate |
|---|---|
| MeritLine - Home Equity Line of Credit | 4.95% |
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