Find the best Canadian credit union rates for your money.
Compare HISA rates, GIC rates, and mortgage rates across 181+ Canadian credit unions. Member-owned alternatives to the Big Five banks, often offering better rates and lower fees.
5 provinces fully insure every dollar deposited at a credit union, with no $100,000 cap.
Find the best Canadian credit union rates for your money.
Compare HISA, GIC, and mortgage rates across 181+ Canadian credit unions. Member-owned alternatives to the Big Five, often with better rates and lower fees.
5 provinces fully insure every dollar deposited at a credit union, with no $100,000 cap.
Credit unions in your province
Pick your province to see the top-rated credit unions available to you.
Best Canadian Credit Unions
Consistently high rates, strong deposit protection, and excellent digital banking across the country.
Steinbach Credit Union
"Competitive, flexible rates for all your personal and business mortgage, loan, saving, and investment needs."
HISA Rate
2.25%
up to
GIC (1 Yr)
3.45%
per year
Assiniboine Credit Union Limited
"Values-based credit union for personal, business and community banking"
HISA Rate
1.60%
up to
GIC (1 Yr)
3.40%
per year
Vancity
"Community-focused provincial credit union serving BC"
HISA Rate
0.60%
up to
GIC (1 Yr)
2.90%
per year
Twenty Canadian money tools, in one place.
Planners, calculators, and exploratory tools for working through Canadian money decisions.
Why switch to a credit union?
Canadian credit unions are member-owned cooperatives, not publicly traded corporations. That structural difference means profits are returned to you through better rates, lower fees, and stronger customer service.
Higher savings rates
Credit union HISA rates are typically 1–2% higher than the Big Five banks. Some digital credit unions offer rates above 5%.
Unlimited deposit protection
Many provinces offer unlimited deposit insurance on credit union accounts, compared to CDIC's $100,000 cap per category at banks.
Better customer satisfaction
Credit unions consistently outrank the Big Five in independent Canadian customer satisfaction surveys.
Rate comparison: HISA
Browse by province
Deposit insurance rules, eligible membership, and available rates vary by province. Find the best credit unions available where you live.
Alberta
14 institutions
British Columbia
33 institutions
Manitoba
19 institutions
New Brunswick
11 institutions
Newfoundland & Labrador
9 institutions
Nova Scotia
22 institutions
Northwest Territories
3 institutions
Nunavut
3 institutions
Ontario
56 institutions
Prince Edward Island
7 institutions
Quebec
1 institutions
Saskatchewan
33 institutions
Yukon
3 institutions
Everything you need to choose the right credit union
We research and track every public data point across 181+ Canadian credit unions: rates, deposit insurance, eligibility, digital access, and more, consolidated into a single comparable profile for each institution.
Current rates
HISA rates, 1-year, 3-year, and 5-year GIC rates, and 5-year fixed mortgage rates, verified directly from each credit union's website.
Deposit insurance
Which regulatory body covers each institution and exactly how much. We highlight the provinces where protection is unlimited.
Membership eligibility
Who can actually join: community-based, employer-based, or open to all Canadians. Filter by what applies to you.
Side-by-side comparison
Select up to four credit unions and compare every data point on a single screen. Bookmark the comparison with a shareable URL.
Province-aware results
We automatically surface the credit unions that accept members from your province, so you only see options that are actually available to you.
Independent & unbiased
We don't accept referral fees or sponsored placements from credit unions. Rankings are based solely on objective rate and feature data.
credit union
Rigorous research. Honest data.
Every profile is built from a structured research process spanning eight categories: rates, deposit insurance, eligibility, 13 individual product types, digital access, branch count, full institution profile, and editorial assessment. Each data point is verified against the institution's own published information.
Canadian retirement planning tools built on real math
Most online retirement calculators use a flat effective tax rate and ignore provincial differences. Ours applies actual 2026 CRA marginal tax brackets for all 13 provinces, accurate CPP and OAS formulas including the clawback threshold, and the same return benchmarks licensed financial planners across Canada use.
The Ultimate Canadian
Retirement Calculator
See exactly how much retirement income to expect, in today's dollars or future dollars, with the only free Canadian retirement calculator built on actual CRA tax math.
Choose Your
Financial Future
40+ branching real-life decisions compound over time. Play through five decades of choices in under 10 minutes.
Take the challengeThe Money
Time Machine
What would your monthly spending on coffee, streaming, or dining be worth today if you'd invested it instead?
See what you could have hadA real rent-vs-buy comparison for Canadian homes.
Both paths modelled with CMHC, province-specific land transfer tax, semi-annual mortgage compounding, and the opportunity cost on your down payment.
From the blog
What Big 5 Bank CEOs Earned in 2025 (and What They Paid You on Your Savings)
We pulled the 2025 proxy circulars. We looked at what these CEOs actually took home. Then we put those numbers next to the savings rates their banks offer a regular person with a regular account.
Should You Invest or Pay Off Debt First? Here's How to Actually Think About It
You get a $3,000 tax refund. You have credit card debt at 20.99%, a mortgage coming up for renewal, and nothing in your TFSA. The right answer depends on what kind of debt, what accounts, and a few factors no spreadsheet captures.
The Real Cost of Living Alone in Canada Right Now
One-person households now make up nearly 30% of all households in Canada. A breakdown of what solo living actually costs, month by month and city by city.
Your TFSA Is Just a Savings Account and That's Kind of a Problem
41% of young Canadians with a TFSA aren't investing the money inside it. They're parking cash and leaving real growth on the table. Here's what a TFSA can actually do.
Other ways to grow your money
Our goal is to give Canadians a clear view of every solid savings and investing option available, credit unions and beyond.
Digital Banking Alternatives
Wealthsimple · Neo Financial · Koho
Three digital platforms independently reviewed across HISA rates, cashback programs, and everyday banking features. All CDIC-insured through partner banks.
Best Online Brokerages in Canada
7 platforms reviewed and rated
Seven Canadian self-directed platforms rated for commissions, DRIP programs, registered account access, and platform quality. One is credit union-owned.
Frequently asked questions
Common questions about Canadian credit unions, deposit insurance, and how they compare to banks.