Best Credit Union
HISA Rates in Ontario 2026
Compare high-interest savings account rates at Ontario credit unions. Deposits at Ontario credit unions are protected with no dollar limit when held in a registered account, and up to $250,000 otherwise, by Financial Services Regulatory Authority of Ontario (FSRA).
47
Ontario credit unions with published HISA rates
Unlimited (reg.)
deposit insurance coverage in Ontario
Verified
rates sourced from official credit union websites
HISA rates at Ontario credit unions
Sorted by rate, highest first. Rates sourced directly from each credit union's official website.
Lighthouse Credit Union
Lighthouse Credit Union
Korean Catholic Church Credit Union Limited
Korean Catholic Church Credit Union Limited
Parama Credit Union Limited
Parama Credit Union Limited
Equity Credit Union Inc.
Equity Credit Union Inc.
Kawartha Credit Union Limited
Kawartha Credit Union Limited
Southwest Regional Credit Union
Southwest Regional Credit Union
Luminus Financial Services & Credit Union Limited
Luminus Financial Services & Credit Union Limited
Fort York Community Credit Union Limited
Fort York Community Credit Union Limited
Northern Credit Union Limited
Northern Credit Union Limited
Talka Credit Union Limited
Talka Credit Union Limited
Ukrainian Credit Union Limited
Ukrainian Credit Union Limited
Northern Birch Credit Union Limited
Northern Birch Credit Union Limited
Buduchnist Credit Union Limited
Buduchnist Credit Union Limited
Alterna Bank
Alterna Bank
Ontario Educational Credit Union Limited
Ontario Educational Credit Union Limited
Rates shown are for standard non-registered savings accounts. Always verify the current rate directly with the credit union before opening an account.
Deposit insurance in Ontario
Deposits at Ontario credit unions are protected with no dollar limit when held in a registered account, and up to $250,000 otherwise, by Financial Services Regulatory Authority of Ontario (FSRA). This is a provincial system, entirely separate from the federal CDIC that covers bank deposits.
A HISA held in a registered account such as a TFSA or RRSP at a Ontario credit union has no coverage limit. A non-registered HISA is covered up to $250,000; above that, consider spreading balances across institutions or account categories.
Full deposit insurance guideAt a glance
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Looking beyond Ontario?
Some credit unions accept members from anywhere in Canada. Our national HISA rate rankings include every credit union in our directory, sorted by rate.