DUCA Financial
Deposit insurance: FSRA (Ontario credit union deposit insurance) · Available in: ON
Check current rates on DUCA Financial's website
Savings accounts
| Account | Type | Rate | Ongoing | Conditions | Checked |
|---|---|---|---|---|---|
| Aim For More Savings | NON-REGISTERED | 0.05% | 0.05% | 2026-11-15 | |
| Children's Savings | NON-REGISTERED | 0.10% | 0.10% | 2026-11-15 | |
| Daylight Savings | NON-REGISTERED | 0.05% | 0.05% | 2026-11-15 | |
| Earn More RRSP/RRIF/RESP | RRSP | 0.25% | 0.25% | 2026-11-15 | |
| Earn More Savings Account | NON-REGISTERED | 0.25% | 0.25% | 2026-11-15 | |
| Earn More TFSA | TFSA | 0.25% | 0.25% | 2026-11-15 | |
| Evermore Premium Savings | NON-REGISTERED | 0.05% | 0.05% | 2026-11-15 | |
| Feel Free Savings | NON-REGISTERED | 0.05% | 0.05% | 2026-11-15 | |
| Rise Chequing | NON-REGISTERED | 2.00% | 2.00% | 2026-11-15 |
GICs
| GIC | Type | Term | Redeemable | Rate | Conditions | Checked | |
|---|---|---|---|---|---|---|---|
| 32–59 Day Non-Redeemable Term Deposit | NON-REGISTERED | 1 mo | No | 1.25% | Term 32–59 days | 2026-11-15 | |
| 60–179 Day Non-Redeemable Term Deposit | TFSA | 2 mo | No | 1.50% | Term 60–179 days | 2026-11-15 | |
| 60–179 Day Non-Redeemable Term Deposit | RRSP | 2 mo | No | 1.50% | Term 60–179 days | 2026-11-15 | |
| 60–179 Day Non-Redeemable Term Deposit | NON-REGISTERED | 2 mo | No | 1.50% | Term 60–179 days | 2026-11-15 | |
| 3 Month (90 day) Non-Redeemable Term Deposit | NON-REGISTERED | 3 mo | No | 4.40% | 2026-11-15 | ||
| 180–364 Day Non-Redeemable Term Deposit | TFSA | 6 mo | No | 2.40% | Term 180–364 days | 2026-11-15 | |
| 180–364 Day Non-Redeemable Term Deposit | RRSP | 6 mo | No | 2.40% | Term 180–364 days | 2026-11-15 | |
| 180–364 Day Non-Redeemable Term Deposit | NON-REGISTERED | 6 mo | No | 2.40% | Term 180–364 days | 2026-11-15 | |
| 180–364 Day Redeemable Term Deposit | NON-REGISTERED | 6 mo | Yes | 1.75% | Term 180–364 days; 2% rate penalty to redeem early | 2026-11-15 | |
| 6 Month (180 day) Non-Redeemable Term Deposit | TFSA | 6 mo | No | 2.50% | 2026-11-15 | ||
| 6 Month (180 day) Non-Redeemable Term Deposit | RRSP | 6 mo | No | 2.50% | 2026-11-15 | ||
| 6 Month (180 day) Non-Redeemable Term Deposit | NON-REGISTERED | 6 mo | No | 2.50% | 2026-11-15 | ||
| 1 Year Non-Redeemable Term Deposit | TFSA | 12 mo | No | 3.40% | 2026-11-15 | ||
| 1 Year Non-Redeemable Term Deposit | RRSP | 12 mo | No | 3.40% | 2026-11-15 | ||
| 1 Year Non-Redeemable Term Deposit | NON-REGISTERED | 12 mo | No | 3.40% | 2026-11-15 | ||
| 1 Year Redeemable Term Deposit | NON-REGISTERED | 12 mo | Yes | 2.80% | 2% rate penalty to redeem early | 2026-11-15 | |
| 18 Month Non-Redeemable Term Deposit | TFSA | 18 mo | No | 3.25% | 2026-11-15 | ||
| 18 Month Non-Redeemable Term Deposit | RRSP | 18 mo | No | 3.25% | 2026-11-15 | ||
| 18 Month Non-Redeemable Term Deposit | NON-REGISTERED | 18 mo | No | 3.85% | 2026-11-15 | ||
| Flex20 Cashable Term Deposit | NON-REGISTERED | 20 mo | Yes | 3.00% | Cashable; 1% rate reduction applies when cashed after 12 months | 2026-11-15 | |
| Flex20 Cashable Term Deposit | TFSA | 20 mo | Yes | 3.00% | Cashable; 1% rate reduction applies when cashed after 12 months | 2026-11-15 | |
| Flex20 Cashable Term Deposit | RRSP | 20 mo | Yes | 3.00% | Cashable; 1% rate reduction applies when cashed after 12 months | 2026-11-15 | |
| 2 Year Non-Redeemable Term Deposit | TFSA | 24 mo | No | 3.80% | 2026-11-15 | ||
| 2 Year Non-Redeemable Term Deposit | RRSP | 24 mo | No | 3.80% | 2026-11-15 | ||
| 2 Year Non-Redeemable Term Deposit | NON-REGISTERED | 24 mo | No | 3.80% | 2026-11-15 | ||
| 2 Year Redeemable Term Deposit | NON-REGISTERED | 24 mo | Yes | 3.20% | 2% rate penalty to redeem early | 2026-11-15 | |
| Flex30 Cashable Term Deposit | NON-REGISTERED | 30 mo | Yes | 3.05% | Cashable; 1% rate reduction applies when cashed after 12 months | 2026-11-15 | |
| Flex30 Cashable Term Deposit | TFSA | 30 mo | Yes | 3.05% | Cashable; 1% rate reduction applies when cashed after 12 months | 2026-11-15 | |
| Flex30 Cashable Term Deposit | RRSP | 30 mo | Yes | 3.05% | Cashable; 1% rate reduction applies when cashed after 12 months | 2026-11-15 | |
| 3 Year Non-Redeemable Term Deposit | TFSA | 36 mo | No | 3.90% | 2026-11-15 | ||
| 3 Year Non-Redeemable Term Deposit | RRSP | 36 mo | No | 3.90% | 2026-11-15 | ||
| 3 Year Non-Redeemable Term Deposit | NON-REGISTERED | 36 mo | No | 3.90% | 2026-11-15 | ||
| 3 Year Redeemable Term Deposit | NON-REGISTERED | 36 mo | Yes | 3.30% | 2% rate penalty to redeem early | 2026-11-15 | |
| Flex40 Cashable Term Deposit | NON-REGISTERED | 40 mo | Yes | 3.05% | Cashable; 1% rate reduction applies when cashed after 12 months | 2026-11-15 | |
| Flex40 Cashable Term Deposit | TFSA | 40 mo | Yes | 3.05% | Cashable; 1% rate reduction applies when cashed after 12 months | 2026-11-15 | |
| Flex40 Cashable Term Deposit | RRSP | 40 mo | Yes | 3.05% | Cashable; 1% rate reduction applies when cashed after 12 months | 2026-11-15 | |
| 4 Year Non-Redeemable Term Deposit | TFSA | 48 mo | No | 4.10% | 2026-11-15 | ||
| 4 Year Non-Redeemable Term Deposit | RRSP | 48 mo | No | 4.10% | 2026-11-15 | ||
| 4 Year Non-Redeemable Term Deposit | NON-REGISTERED | 48 mo | No | 4.10% | 2026-11-15 | ||
| 4 Year Redeemable Term Deposit | NON-REGISTERED | 48 mo | Yes | 3.50% | 2% rate penalty to redeem early | 2026-11-15 | |
| Flex50 Cashable Term Deposit | NON-REGISTERED | 50 mo | Yes | 3.10% | Cashable; 1% rate reduction applies when cashed after 24 months | 2026-11-15 | |
| Flex50 Cashable Term Deposit | TFSA | 50 mo | Yes | 3.10% | Cashable; 1% rate reduction applies when cashed after 24 months | 2026-11-15 | |
| Flex50 Cashable Term Deposit | RRSP | 50 mo | Yes | 3.10% | Cashable; 1% rate reduction applies when cashed after 24 months | 2026-11-15 | |
| 5 Year Non-Redeemable Term Deposit | TFSA | 60 mo | No | 4.20% | 2026-11-15 | ||
| 5 Year Non-Redeemable Term Deposit | RRSP | 60 mo | No | 4.20% | 2026-11-15 | ||
| 5 Year Non-Redeemable Term Deposit | NON-REGISTERED | 60 mo | No | 4.20% | 2026-11-15 | ||
| 5 Year Redeemable Term Deposit | NON-REGISTERED | 60 mo | Yes | 3.60% | 2% rate penalty to redeem early | 2026-11-15 | |
| Flex80 Cashable Term Deposit | NON-REGISTERED | 80 mo | Yes | 3.25% | Cashable; 1% rate reduction applies when cashed after 12 months | 2026-11-15 | |
| Flex80 Cashable Term Deposit | TFSA | 80 mo | Yes | 3.25% | Cashable; 1% rate reduction applies when cashed after 12 months | 2026-11-15 | |
| Flex80 Cashable Term Deposit | RRSP | 80 mo | Yes | 3.25% | Cashable; 1% rate reduction applies when cashed after 12 months | 2026-11-15 | |
| 7 Year Non-Redeemable Term Deposit | TFSA | 84 mo | No | 4.25% | 2026-11-15 | ||
| 7 Year Non-Redeemable Term Deposit | RRSP | 84 mo | No | 4.25% | 2026-11-15 | ||
| 7 Year Non-Redeemable Term Deposit | NON-REGISTERED | 84 mo | No | 4.25% | 2026-11-15 | ||
| 7 Year Redeemable Term Deposit | NON-REGISTERED | 84 mo | Yes | 3.65% | 2% rate penalty to redeem early | 2026-11-15 |