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.

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Rates

Make the best financial decisions for you with our competitive rates and flexible options.  

 

Explore our rate specials, plus current rates on our full range of products

 

Prime Rate

 
List of rates for Foreign Exchange Rates
Foreign Exchange Rates

Rates Effective: 2025-07-29

 Buy Rate Sell Rate
United States
1.41283
1.37720
United Kingdom (Pound)
1.89695
1.82534
Euro
1.64208
1.57676
 

Rate Specials

We have your best interest in mind. Contact us today to take advantage of the most competitive mortgage and deposit rates while they last! 

 

Residential Mortgage Specials

Special mortgage rates are for owner occupied properties with amortization of 25 years or less and are subject to LDCU lending criteria. Other conditions may apply. 
 
3 Year Fixed
4 Year Fixed
5 Year Fixed
7 Year Fixed
 
 

Term & Registered Product Specials

The following rates are applicable to all non-registered and Registered Products (RRSP, RESP, RRIF, and TFSA).

 

Fixed Term Non-Redeemable

Looking for a locked-in short term option that gives you amazing return on your investment? We've got you covered with our fixed term non-redeemable specials! 

1 Year Fixed Term

18 Month Fixed Term

2 Year Fixed Term

 

Rate-Climbers

Enjoy the flexibility of re-investing at a better rate if the opportunity arises. Our incredible rate climber products allow you to redeem your term on it's anniversary date, with no redemption penalty!

4 Year Rate Climber

Year 4

5 Year Rate Climber

Year 5
 

Residential Mortgage Specials

List of rates for Mortgage Specials
Mortgage Specials Rate
Residential - 3 Years
4.39
Residential - 4 Years
4.69
Residential - 5 Years
4.69
Residential - 7 Years
4.99
 

Term & Registered Product Specials

List of rates for Fixed Term Non-Redeemable Special
Fixed Term Non-Redeemable Special Rate
1 Year Fixed Term Non-Redeemable Special
2.75
18 Month Fixed Term Non-Redeemable Special
2.85
2 Year Fixed Term Non-Redeemable Special
3.10
List of rates for Rate Climber 4yr Special*
Rate Climber 4yr Special* Rate
1st Year Rate Climber Special
2.25
2nd Year Rate Climber Special
2.50
3rd Year Rate Climber Special
2.75
4th Year Rate Climber Special
5.00
List of rates for Rate Climber 5yr Special*
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
* Non-redeemable

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

List of rates for Foreign Exchange Rates
Foreign Exchange Rates Buy Rate Sell Rate
United States
1.41283
1.37720
United Kingdom (Pound)
1.89695
1.82534
Euro
1.64208
1.57676

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.

Mortgages

 

List of rates for Mortgage Specials
Mortgage Specials Rate
Residential - 3 Years
4.39
Residential - 4 Years
4.69
Residential - 5 Years
4.69
Residential - 7 Years
4.99
List of rates for Post Closed Fixed Rate Mortgages
Post Closed Fixed Rate Mortgages Rate
Residential - 6 Months
7.49
Residential - 1 Year
6.99
Residential - 2 Years
5.49
Residential - 3 Years
5.19
Residential - 4 Years
5.49
Residential - 5 Years
5.49
Residential - 7 Years
5.79
List of rates for Posted Open Fixed Rate Mortgages
Posted Open Fixed Rate Mortgages Rate
Residential - 6 Months
9.25
Residential - 1 Year
9.25
Residential - 2 Years
9.00
List of rates for Posted Variable Rate Mortgage Special
Posted Variable Rate Mortgage Special Rate
Residential - 5 Years
Prime + 0.00
List of rates for Primeline HELOC
Primeline HELOC Rate
Residential
Prime + 1.00
Construction Mortgages  + 1.00% increment until fully completed 
Raw Land  + 1.00% increment to posted rates

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.

Registered Products

The following rates are applicable to all Registered Products (RRSP, RESP, RRIF, and TFSA).

List of rates for Annual Interest - Redeemable
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
List of rates for Annual Interest - Non-redeemable
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
List of rates for Monthly Interest - Redeemable
Monthly Interest - Redeemable Rate
1 Year
0.15
2 Years
0.25
3 Years
0.50
4 Years
0.75
5 Years
1.00
List of rates for Monthly Interest - Non-redeemable
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
List of rates for Fixed Term Non-Redeemable Special
Fixed Term Non-Redeemable Special Rate
1 Year Fixed Term Non-Redeemable Special
2.75
18 Month Fixed Term Non-Redeemable Special
2.85
2 Year Fixed Term Non-Redeemable Special
3.10
List of rates for Rate Climber 4yr Special*
Rate Climber 4yr Special* Rate
1st Year Rate Climber Special
2.25
2nd Year Rate Climber Special
2.50
3rd Year Rate Climber Special
2.75
4th Year Rate Climber Special
5.00
List of rates for Rate Climber 5yr Special*
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
 
* Non-redeemable

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.

Savings Accounts

List of rates for Account Type
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.

Term Deposits

List of rates for Annual Interest - Redeemable
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
List of rates for Annual Interest - Non-redeemable
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
List of rates for Monthly Interest - Redeemable
Monthly Interest - Redeemable Rate
1 Year
0.15
2 Years
0.25
3 Years
0.50
4 Years
0.75
5 Years
1.00
List of rates for Monthly Interest - Non-redeemable
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
List of rates for Fixed Term Non-Redeemable Special
Fixed Term Non-Redeemable Special Rate
1 Year Fixed Term Non-Redeemable Special
2.75
18 Month Fixed Term Non-Redeemable Special
2.85
2 Year Fixed Term Non-Redeemable Special
3.10
List of rates for Rate Climber 4yr Special*
Rate Climber 4yr Special* Rate
1st Year Rate Climber Special
2.25
2nd Year Rate Climber Special
2.50
3rd Year Rate Climber Special
2.75
4th Year Rate Climber Special
5.00
List of rates for Rate Climber 5yr Special*
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
 
* Non-redeemable

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.

 
 
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Get the app

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.

 

Need help getting set up?

Don't hesitate to reach out! Our team will be happy to help you access any of our banking tools.
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Explore our calculators

Our easy-to-use calculators can help you estimate your mortgage, figure out how long a loan will take to repay, and more.

Explore calculators

Get your home search underway

Find tips for first-time buyers and find out what makes a LDCU mortgage special.

Explore mortgages

Find the credit card to fit your life

From no fee to travel rewards, we have a full range of flexible credit card options to suit your needs.

Explore credit cards
 
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