About Ukrainian Credit Union
Ukrainian Credit Union Limited (UCU), founded in Toronto in 1944 by members of the Ukrainian National Federation, is Canada's largest Ukrainian credit union and the largest ethnically-chartered credit union in Canada by membership. It operates 16 branches and service points across Ontario, from Thunder Bay to Ottawa and Windsor to St. Catharines.
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Access: Membership required · Open common bond
Eligible provinces: Ontario
How to join: Apply online or in branch; purchase 30 membership shares at $5 each ($150 total).
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 | 3.10% |
| 2-year GIC | 3.35% |
| 3-year GIC | 3.50% |
| 4-year GIC | 3.55% |
| 5-year GIC | 3.65% |
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 |
|---|---|---|---|---|---|---|
| Short-term — under 1 year | ||||||
| 30 – 89 days | Non-reg | Y | — | At maturity | — | 0.60% |
| 3 months | Non-reg | N | — | At maturity | — | 2.60% |
| 90 – 179 days | Non-reg | Y | — | At maturity | — | 0.70% |
| 180 – 269 days | Non-reg | Y | — | At maturity | — | 0.90% |
| 270 – 359 days | Non-reg | Y | — | At maturity | — | 1.00% |
| Long-term — 1 year + | ||||||
| 1 year | Non-regRRSPRESPRRIFTFSAFHSA | N | — | At maturity | — | 3.10% |
| 1 year | Non-reg | cashable | — | At maturity | — | 2.15% |
| 17 months | Non-reg | N | — | At maturity | — | 3.85% |
| 18 months | Non-reg | N | — | At maturity | — | 3.25% |
| 2 years | Non-regRRSPRESPRRIFTFSAFHSA | N | — | At maturity | — | 3.35% |
| 30 months | Non-reg | N | — | At maturity | — | 3.40% |
| 3 years | Non-regRRSPRESPRRIFTFSAFHSA | N | — | At maturity | — | 3.50% |
| 40 months | Non-reg | N | — | At maturity | — | 3.85% |
| 4 years | Non-regRRSPRESPRRIFTFSAFHSA | N | — | At maturity | — | 3.55% |
| 55 months | Non-reg | N | — | At maturity | — | 4.05% |
| 5 years | Non-regRRSPRESPRRIFTFSAFHSA | N | — | At maturity | — | 3.65% |
| U.S. dollar — all terms | ||||||
| 6 months | Non-reg | N | — | At maturity | — | 3.10% |
| 1 year | Non-reg | N | — | At maturity | — | 3.90% |
| 2 years | Non-reg | N | — | At maturity | — | 3.65% |
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 Savings | — | — | — | 0.10% |
| Savings | Redeemable GIC Savings Account | — | — | — | 0.50% |
| Savings | ucublu | — | — | — | 0.25% |
| HISA | UCU HISA | — | — | — | 1.10% |
| Junior | Youth Unlimited | Daily | — | $0 | 0.35% |
| Junior | Youth Unlimited | Daily | — | $1,000 | 0.10% |
| USD | USD SavingsUS$ | — | — | — | 0.10% |
| Chequing | |||||
| Chequing | ucublu Chequing | Daily | — | $0 | 0.05% |
| Chequing | ucublu Chequing | Daily | — | $1,000 | 0.10% |
| Chequing | ucublu Chequing | Daily | — | $5,000 | 0.15% |
| Chequing | ucublu Chequing | Daily | — | $10,000 | 0.25% |
| Chequing | ucublu Chequing | Daily | — | $25,000 | 0.35% |
| USD | USD ChequingUS$ | — | — | — | 0.10% |
| RRSP | |||||
| RRSP | HISA | Daily | Monthly | — | 1.10% |
| RRSP | Variable RRSP / TFSA | Daily | Monthly | — | 0.25% |
| RESP | |||||
| RESP | Variable "Premium" RESP | Daily | Monthly | — | 0.25% |
| RESP | Variable RRIF / RESP / FHSA | Daily | Monthly | — | 0.25% |
| RRIF | |||||
| RRIF | Variable RRIF / RESP / FHSA | Daily | Monthly | — | 0.25% |
| TFSA | |||||
| TFSA | HISA | Daily | Monthly | — | 1.10% |
| TFSA | Variable RRSP / TFSA | Daily | Monthly | — | 0.25% |
| FHSA | |||||
| FHSA | Variable RRIF / RESP / FHSA | Daily | Monthly | — | 0.25% |
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 | Closed | No | 4.94% |
| 1-year | Fixed | Closed | No | 6.09% |
| 2-year | Fixed | Closed | No | 4.85% |
| 2-year | Fixed | Closed | No | 5.74% |
| 3-year | Fixed | Closed | No | 4.75% |
| 3-year | Fixed | Closed | No | 6.54% |
| 4-year | Fixed | Closed | No | 4.85% |
| 4-year | Fixed | Closed | No | 6.19% |
| 5-year | Fixed | Closed | No | 4.95% |
| 5-year | Fixed | Closed | No | 6.49% |
| 6-month | Fixed | Convertible | No | 5.49% |
| 5-year | Fixed | Closed | Yes | 4.29% |
| Best of Both Worlds (Capped Rate)Variable · closed · conventional | ||||
| No set term | Variable | Closed | No | 5.64% |
No mortgage rates match these filters.
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