Find the best Canadian credit union rates for your money.
Compare HISA rates, GIC rates, and mortgage rates across 172+ Canadian credit unions. Member-owned alternatives to the Big Five banks, often offering better rates and lower fees.
4 provinces fully insure every dollar deposited at a credit union, with no $100,000 cap. Ontario and PEI cover registered accounts with no limit.
Find the best Canadian credit union rates for your money.
Compare HISA, GIC, and mortgage rates across 172+ Canadian credit unions. Member-owned alternatives to the Big Five, often with better rates and lower fees.
4 provinces fully insure every dollar deposited at a credit union, with no $100,000 cap. Ontario and PEI add no-limit coverage on registered accounts.
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
Vancity
"Community-focused provincial credit union serving BC"
HISA Rate
0.60%
up to
GIC (1 Yr)
2.90%
per year
Assiniboine Credit Union Limited
"Values-based credit union for personal, business and community banking"
HISA Rate
1.70%
up to
GIC (1 Yr)
3.45%
per year
Find a fee-only financial planner in Canada
Our newest directory lists advice-only financial planners across Canada. They charge a clear fee for the advice and earn nothing from commissions or a percentage of your savings. Compare flat-fee, hourly and subscription pricing, with their fees shown up front.
Browse fee-only plannersHow they charge
Twenty-three 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
Four provinces guarantee every dollar with no cap, and Ontario and PEI cover registered accounts with no limit, compared to CDIC's $100,000 per category cap 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
30 institutions
Manitoba
19 institutions
New Brunswick
10 institutions
Newfoundland & Labrador
9 institutions
Nova Scotia
22 institutions
Northwest Territories
3 institutions
Nunavut
3 institutions
Ontario
54 institutions
Prince Edward Island
7 institutions
Quebec
1 institutions
Saskatchewan
30 institutions
Yukon
3 institutions
Everything you need to choose the right credit union
We research and track every public data point across 172+ 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 where coverage has no dollar limit.
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.
Free Canadian retirement, TFSA, and RRSP planning tools
Three Canadian planners modelled on actual 2026 CRA marginal tax brackets for all 13 provinces, with accurate CPP and OAS formulas including the clawback threshold. Project full retirement income, find your cumulative TFSA contribution room since 2009, or count down to the next RRSP contribution deadline. The calculators hub adds twenty-one more, covering Canadian mortgages, registered accounts, savings, education, and exploratory tools.
Canada's Whole-Picture
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.
TFSA Contribution Room
Cumulative tax-free room since 2009, by birth year.
Find your roomRRSP Contribution Deadline
Next deadline, 2026 limit, and a quick room estimate.
Check the deadlineTwenty-one more free Canadian financial calculators
Mortgages, registered accounts, savings, education, and exploratory tools, all on the same 2026 CRA tax math.
Open the hubJuly 2026 · Latest reading
From the blog
Credit Unions
Louis Rossmann's Ownership Argument Applies to Your Bank, Too
How Louis Rossmann's broader fight for real consumer ownership, from John Deere tractors to Bambu Lab 3D printers, connects to the member-owned structure of Canadian credit unions and what it means for where you keep your money.
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Is r/JustBuyXEQT a Cult? Canada's XEQT and 100% Equities
A measured look at the all-equity ETF that's become the default answer on Canadian personal-finance Reddit. What XEQT holds, how it compares to VEQT and ZEQT, what the research says about 100% equities, and where community confidence becomes a substitute for individual financial thinking.
Investing
The $10 Billion Canadians Pay for Mutual Fund Advice Each Year
On a typical mutual fund, fees can take more than half your investment growth. They come out before the return ever shows on your statement.
Credit Unions
Do Credit Unions Offer Free Chequing in Canada?
Free chequing is common at Canadian credit unions, with conditions that range from mild to none. What the three forms look like, how the bar to qualify compares with the Big Five, and what to confirm before signing up.
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.