About Your Credit Union
Your Credit Union Limited is an Ottawa-based credit union founded in 1950 as the Ottawa Municipal Employees Credit Union. Through mergers with workplace credit unions serving municipal staff, teachers and newspaper employees — and a 1999 expansion into Cornwall — it grew into a community institution, adopting the name Your Credit Union in 2004 and converting to an open bond in 2009. It operates four branches serving Ottawa and Cornwall.
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Access: Membership required · Open common bond
Eligible provinces: Ontario
How to join: Apply for membership at a branch or via the 'Becoming a Member' process on yourcu.com and purchase a member share.
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 2026-10-14| GIC ladder | Best rate |
|---|---|
| 1-year GIC | 3.40% |
| 2-year GIC | 3.60% |
| 3-year GIC | 3.60% |
| 4-year GIC | 3.65% |
| 5-year GIC | 3.75% |
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
Highlighted rows are promo rates— not stated on siterates confirmed as of 2026-10-14Filter rates
| Term | Registration | Redeemable | Compounding | Interest paid | Min–Max deposit | Rate |
|---|---|---|---|---|---|---|
| Long-term — 1 year + | ||||||
| 1 year | Non-reg | N | — | At maturity | — | 3.40% |
| 2 years | Non-reg | N | — | At maturity | — | 3.60% |
| 3 years | Non-reg | N | — | At maturity | — | 3.60% |
| 4 years | Non-reg | N | — | At maturity | — | 3.65% |
| 5 years | Non-reg | N | — | At maturity | — | 3.75% |
No rates match these filters.
Escalator GICs
rates confirmed as of 2026-10-14The rate rises each year of the term. Yield is the effective annual yield the institution prints.
| Product | Yr 1 | Yr 2 | Yr 3 | Yr 4 | Yr 5 | Yield |
|---|---|---|---|---|---|---|
| 5-year escalators | ||||||
| 5 Year Redeemable Escalator Term5 years · redeemableNon-reg | 2.85% | 3.10% | 3.35% | 3.45% | 3.50% | 3.25% |
Savings & chequing rates
rates confirmed as of 2026-10-14Filter rates
| Type | Product | Calculated | Paid | Min. balance | Rate |
|---|---|---|---|---|---|
| Savings | |||||
| Savings | Savings | — | — | — | 0.20% |
| HISA | High Interest Savings Account (HISA) | — | — | $0 | 0.40% |
| HISA | High Interest Savings Account (HISA) | — | — | $5,000 | 0.50% |
| HISA | High Interest Savings Account (HISA) | — | — | $75,000 | 0.75% |
| USD | US SavingsUS$ | — | — | $5,000 | 0.15% |
| USD | US SavingsUS$ | — | — | $75,000 | 0.80% |
| Chequing | |||||
| Chequing | Chequing | — | — | — | 0.00% |
No rates match these filters.
Mortgage rates
Highlighted rows are promo ratesrates confirmed as of 2026-10-14Filter rates
| Term | Type | Open / closed | Insured | Posted rate |
|---|---|---|---|---|
| Amortization — 25 years or less | ||||
| 1-year | Fixed | Closed | No | 6.14% |
| 2-year | Fixed | Closed | No | 5.34% |
| 3-year | Fixed | Closed | No | 5.24% |
| 4-year | Fixed | Closed | No | 5.04% |
| 5-year | Fixed | Closed | No | 5.04% |
| 5-year | Fixed | Closed | Yes | 4.74% |
| Amortization — over 25 years | ||||
| 5-year | Fixed | Closed | No | 5.14% |
| 5-year | Fixed | Closed | Yes | 4.74% |
No mortgage rates match these filters.
Home equity line of credit
| Product | Posted rate |
|---|---|
| Meritline Variable | 5.45% |
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