Rates
Make the best financial decisions for you with our competitive rates and flexible options.
UPDATE: Google has deployed a fix which will resolve the incident, however there is a 24 hour cache on Android devices that may cause some members not to see the fix right away. Please clear your app cache as that will force a refresh and allow you to access the Android App once more.
Access issue with Android app: Please be advised that Google made a change that is affecting Android apps that use cert transparency and a specific library to read and load the file. Members who have not closed their apps will still be able to login, however fully closing and opening the app will cause a re-check of the cert file and cause the error to display. Members can use the desktop site in a mobile browser as a workaround until the issue has been resolved.
e-Transfer maintenance, (9pm Saturday, June 21st to 3 am Sunday, June 22nd): Interac will be performing scheduled maintenance which will affect the sending and receiving of e-Transfers between 11pm - 2am. Regular service will resume after 2am on Sunday, June 22. Thank you for your patience while the maintenance is in progress.
Make the best financial decisions for you with our competitive rates and flexible options.
Foreign Exchange Rates
Rates Effective: 2025-07-02 |
Buy Rate | Sell Rate |
---|---|---|
United States |
1.39664
|
1.36142
|
United Kingdom (Pound) |
1.91459
|
1.84249
|
Euro |
1.65864
|
1.59290
|
We have your best interest in mind. Contact us today to take advantage of the most competitive mortgage and deposit rates while they last!
The following rates are applicable to all non-registered and Registered Products (RRSP, RESP, RRIF, and TFSA).
Mortgage Specials | Rate |
---|---|
Residential - 3 Years |
4.24
|
Residential - 4 Years |
4.39
|
Residential - 5 Years |
4.39
|
Residential - 7 Years |
4.99
|
Fixed Term Non-Redeemable Special | Rate |
---|---|
1 Year Fixed Term Non-Redeemable Special |
3.00
|
18 Month Fixed Term Non-Redeemable Special |
2.85
|
2 Year Fixed Term Non-Redeemable Special |
3.10
|
Rate Climber 3yr Special* | Rate |
---|---|
1st Year Rate Climber Special |
2.25
|
2nd Year Rate Climber Special |
2.50
|
3rd Year Rate Climber Special |
5.00
|
Rate Climber 5yr Special* | Rate |
---|---|
1st Year Rate Climber Special |
2.00
|
2nd Year Rate Climber Special |
2.25
|
3rd Year Rate Climber Special |
2.50
|
4th Year Rate Climber Special |
2.75
|
5th Year Rate Climber Special |
5.00
|
Products, features, and rates are subject to change without notice. All rates are quoted per annum, unless otherwise noted. In the event of a discrepancy between the rates posted on this website and the official rates posted in our branches, the latter shall prevail.
Foreign Exchange Rates | Buy Rate | Sell Rate |
---|---|---|
United States |
1.39664
|
1.36142
|
United Kingdom (Pound) |
1.91459
|
1.84249
|
Euro |
1.65864
|
1.59290
|
Ask our helpful Member Service Representatives for available currency and estimated delivery dates. Rates may be different than rates offered in-branch as they fluctuate during the day and rates are only updated online first thing in the morning. Products, features, and rates are subject to change without notice. All rates are quoted per annum, unless otherwise noted. In the event of a discrepancy between the rates posted on this website and the official rates posted in our branches, the latter shall prevail.
Mortgage Specials | Rate |
---|---|
Residential - 3 Years |
4.24
|
Residential - 4 Years |
4.39
|
Residential - 5 Years |
4.39
|
Residential - 7 Years |
4.99
|
Post Closed Fixed Rate Mortgages | Rate |
---|---|
Residential - 6 Months |
7.69
|
Residential - 1 Year |
7.59
|
Residential - 2 Years |
5.49
|
Residential - 3 Years |
5.29
|
Residential - 4 Years |
5.19
|
Residential - 5 Years |
5.34
|
Residential - 7 Years |
5.79
|
Posted Open Fixed Rate Mortgages | Rate |
---|---|
Residential - 6 Months |
9.25
|
Residential - 1 Year |
9.25
|
Residential - 2 Years |
9.00
|
Posted Variable Rate Mortgage Special | Rate |
---|---|
Residential - 5 Years |
Prime + 0.00
|
Primeline HELOC | Rate |
---|---|
Residential |
Prime + 1.00
|
Discounts off posted rates available to qualified borrowers. Please contact us for more information. Products, features, and rates are subject to change without notice. All rates are quoted per annum, unless otherwise noted. In the event of a discrepancy between the rates posted on this website and the official rates posted in our branches, the latter shall prevail.
The following rates are applicable to all Registered Products (RRSP, RESP, RRIF, and TFSA).
Annual Interest - Redeemable Rates Effective: 2024-04-26 |
Rate |
---|---|
30-364 Days |
0.15
|
1 Year |
0.40
|
2 Years |
0.50
|
3 Years |
0.75
|
4 Years |
1.00
|
5 Years |
1.25
|
Annual Interest - Non-redeemable | Rate |
---|---|
1 Year |
1.00
|
2 Years |
1.50
|
3 Years |
1.75
|
4 Years |
2.00
|
5 Years |
2.25
|
Monthly Interest - Redeemable | Rate |
---|---|
1 Year |
0.15
|
2 Years |
0.25
|
3 Years |
0.50
|
4 Years |
0.75
|
5 Years |
1.00
|
Monthly Interest - Non-redeemable | Rate |
---|---|
1 Year |
0.75
|
2 Years |
1.25
|
3 Years |
1.50
|
4 Years |
1.75
|
5 Years |
2.00
|
Fixed Term Non-Redeemable Special | Rate |
---|---|
1 Year Fixed Term Non-Redeemable Special |
3.00
|
18 Month Fixed Term Non-Redeemable Special |
2.85
|
2 Year Fixed Term Non-Redeemable Special |
3.10
|
Rate Climber 3yr Special* | Rate |
---|---|
1st Year Rate Climber Special |
2.25
|
2nd Year Rate Climber Special |
2.50
|
3rd Year Rate Climber Special |
5.00
|
Rate Climber 5yr Special* | Rate |
---|---|
1st Year Rate Climber Special |
2.00
|
2nd Year Rate Climber Special |
2.25
|
3rd Year Rate Climber Special |
2.50
|
4th Year Rate Climber Special |
2.75
|
5th Year Rate Climber Special |
5.00
|
Products, features, and rates are subject to change without notice. All rates are quoted per annum, unless otherwise noted. In the event of a discrepancy between the rates posted on this website and the official rates posted in our branches, the latter shall prevail.
Account Type Rates Effective: 2024-06-09 |
Rate |
---|---|
High Interest Savings |
0.25
|
Registered Savings |
0.10
|
TFSA High Interest Savings |
0.25
|
Plan 24 Savings |
0.10
|
Special Savings |
0.20
|
Products, features, and rates are subject to change without notice. All rates are quoted per annum, unless otherwise noted. In the event of a discrepancy between the rates posted on this website and the official rates posted in our branches, the latter shall prevail.
Annual Interest - Redeemable | Rate |
---|---|
30-364 Days |
0.15
|
1 Year |
0.40
|
2 Years |
0.50
|
3 Years |
0.75
|
4 Years |
1.00
|
5 Years |
1.25
|
Annual Interest - Non-redeemable | Rate |
---|---|
1 Year |
1.00
|
2 Years |
1.50
|
3 Years |
1.75
|
4 Years |
2.00
|
5 Years |
2.25
|
Monthly Interest - Redeemable | Rate |
---|---|
1 Year |
0.15
|
2 Years |
0.25
|
3 Years |
0.50
|
4 Years |
0.75
|
5 Years |
1.00
|
Monthly Interest - Non-redeemable | Rate |
---|---|
1 Year |
0.75
|
2 Years |
1.25
|
3 Years |
1.50
|
4 Years |
1.75
|
5 Years |
2.00
|
Fixed Term Non-Redeemable Special | Rate |
---|---|
1 Year Fixed Term Non-Redeemable Special |
3.00
|
18 Month Fixed Term Non-Redeemable Special |
2.85
|
2 Year Fixed Term Non-Redeemable Special |
3.10
|
Rate Climber 3yr Special* | Rate |
---|---|
1st Year Rate Climber Special |
2.25
|
2nd Year Rate Climber Special |
2.50
|
3rd Year Rate Climber Special |
5.00
|
Rate Climber 5yr Special* | Rate |
---|---|
1st Year Rate Climber Special |
2.00
|
2nd Year Rate Climber Special |
2.25
|
3rd Year Rate Climber Special |
2.50
|
4th Year Rate Climber Special |
2.75
|
5th Year Rate Climber Special |
5.00
|
Products, features, and rates are subject to change without notice. All rates are quoted per annum, unless otherwise noted. In the event of a discrepancy between the rates posted on this website and the official rates posted in our branches, the latter shall prevail.
Our goal is to deliver exceptional service through the skills of our staff who share a passion for the opportunities of our members, community and Credit Union.
Our goal is to deliver exceptional service through the skills of our staff who share a passion for the opportunities of our members, community and Credit Union.
Introducing LDCU Mobile, available on iPhone and Android™ devices. With a host of convenient features, it's a fast and secure way to handle everyday banking wherever and whenever it suits you.
Need help? Get your app questions answered here.
Our easy-to-use calculators can help you estimate your mortgage, figure out how long a loan will take to repay, and more.
Find tips for first-time buyers and find out what makes a LDCU mortgage special.
From no fee to travel rewards, we have a full range of flexible credit card options to suit your needs.