About The Police Credit Union
The Police Credit Union Limited, established in 1946, is an Ontario credit union serving police services personnel and their families under the motto "taking care of our own." Its corporate office is at 105 Gordon Baker Road, Toronto, with branches across the Greater Toronto Area.
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Access: Membership required · Closed common bond
Eligible provinces: Ontario
How to join: Apply via the Become A Member page or at a branch; eligibility via an Ontario police service or as a family member.
Notes: Police, law-enforcement and public-safety personnel and their families in Ontario
Deposit protection: Financial Services Regulatory Authority of Ontario
prudential regulator + administers the Deposit Insurance Reserve Fund: unlimited on registered accounts, $250,000 non-registered; absorbed DICO in 2019
Current top rates
rates confirmed as of 2026-10-15| GIC ladder | Best rate |
|---|---|
| 1-year GIC | 3.20% |
| 2-year GIC | 3.40% |
| 3-year GIC | 3.70% |
| 4-year GIC | 3.80% |
| 5-year GIC | 3.90% |
Base ladder rates. Institution may have more term rates below.
Rate history builds here as we track this institution's rates over time.
Term deposit rates
— not stated on siterates confirmed as of 2026-10-15Filter rates
| Term | Registration | Redeemable | Compounding | Interest paid | Min–Max deposit | Rate |
|---|---|---|---|---|---|---|
| Short-term — under 1 year | ||||||
| 30 – 59 days | Non-reg | Y | — | At maturity | — | 1.60% |
| 60 – 89 days | Non-reg | Y | — | At maturity | — | 1.70% |
| 90 – 179 days | Non-reg | Y | — | At maturity | — | 1.80% |
| 180 – 269 days | Non-reg | Y | — | At maturity | — | 1.90% |
| 270 – 364 days | Non-reg | Y | — | At maturity | — | 2.00% |
| Long-term — 1 year + | ||||||
| 1 year | Non-regRRSPRRIFTFSA | N | — | At maturity | — | 3.20% |
| 2 years | Non-regRRSPRRIFTFSA | N | — | At maturity | — | 3.40% |
| 3 years | Non-regRRSPRRIFTFSA | N | — | At maturity | — | 3.70% |
| 4 years | Non-regRRSPRRIFTFSA | N | — | At maturity | — | 3.80% |
| 5 years | Non-regRRSPRRIFTFSA | N | — | At maturity | — | 3.90% |
| Cashable Term Deposit (as high as)Cashable · paid at maturity | ||||||
| 1 year | Non-reg | cashable | — | At maturity | — | 2.20% |
No rates match these filters.
Savings & chequing rates
rates confirmed as of 2026-10-15Filter rates
| Type | Product | Calculated | Paid | Min. balance | Rate |
|---|---|---|---|---|---|
| Savings | |||||
| Savings | Daily Interest Savings (Plan 24) | — | — | — | 0.45% |
| Junior | Little Tyke Savings | — | — | — | 0.70% |
| Junior | Student Plus Savings | — | — | — | 0.70% |
| Junior | Teen Blue Savings | — | — | — | 0.70% |
| USD | US SavingsUS$ | — | — | — | 0.20% |
| TFSA | |||||
| TFSA | Tax-Free Savings Account | — | — | — | 0.45% |
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 | 7.50% |
| 1-year | Fixed | Open | No | 7.80% |
| 1-year | Fixed | Closed | No | 5.34% |
| 2-year | Fixed | Closed | No | 4.94% |
| 3-year | Fixed | Closed | No | 4.49% |
| 4-year | Fixed | Closed | No | 4.64% |
| 5-year | Fixed | Closed | No | 4.49% |
| 5-year | Variable | Closed | No | 3.95% |
| 3-year | Fixed | Closed | Yes | 4.29% |
| 5-year | Fixed | Closed | Yes | 4.29% |
| 5-year | Variable | Closed | Yes | 3.70% |
| 1-year | Fixed · Second mortgage | Closed | No | 8.00% |
No mortgage rates match these filters.
Home equity line of credit
| Product | Posted rate |
|---|---|
| Meritline / Primeline Home Equity Line of Credit | 4.95%Prime + 0.50% |
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