Rates

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

List of rates for Foreign Exchange Rates
Foreign Exchange Rates Rates Effective: 2024-07-26	Buy Rate	Sell Rate
United States	1.418518	1.38282
United Kingdom (Pound)	1.83674875	1.7667
Euro	1.55239325	1.4894

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.

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!

Rate-Climbers

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

Rate Specials

Foreign Exchange

Mortgages

Registered Products

Savings Accounts

Term Deposits

Residential Mortgage Specials

List of rates for Mortgage Specials
Mortgage Specials	Rate
Residential - 4 Years	5.39
Residential - 5 Years	5.39
Residential - 7 Years	5.39

Term & Registered Product Specials

List of rates for Fixed Term Non-Redeemable Special
Fixed Term Non-Redeemable Special	Rate
18 Month Fixed Term Non-Redeemable Special	4.30
2 Year Fixed Term Non-Redeemable Special	4.40

List of rates for Rate Climber 3yr Special*
Rate Climber 3yr Special*	Rate
1st Year Rate Climber Special	3.75
2nd Year Rate Climber Special	4.00
3rd Year Rate Climber Special	4.75

List of rates for Rate Climber 5yr Special*
Rate Climber 5yr Special*	Rate
1st Year Rate Climber Special	3.65
2nd Year Rate Climber Special	3.75
3rd Year Rate Climber Special	3.85
4th Year Rate Climber Special	3.95
5th Year Rate Climber Special	4.50

* 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	1.418518	1.38282
United Kingdom (Pound)	1.83674875	1.7667
Euro	1.55239325	1.4894

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 - 4 Years	5.39
Residential - 5 Years	5.39
Residential - 7 Years	5.39

List of rates for Post Closed Fixed Rate Mortgages
Post Closed Fixed Rate Mortgages	Rate
Residential - 6 Months	7.99
Residential - 1 Year	7.89
Residential - 2 Years	7.29
Residential - 3 Years	7.19
Residential - 4 Years	6.19
Residential - 5 Years	6.19
Residential - 7 Years	6.19

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 + 1.50

List of rates for Posted Open Variable Rate Mortgages
Posted Open Variable Rate Mortgages	Rate
Residential - 5 Years	Prime + 3.00

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
18 Month Fixed Term Non-Redeemable Special	4.30
2 Year Fixed Term Non-Redeemable Special	4.40

List of rates for Rate Climber 3yr Special*
Rate Climber 3yr Special*	Rate
1st Year Rate Climber Special	3.75
2nd Year Rate Climber Special	4.00
3rd Year Rate Climber Special	4.75

List of rates for Rate Climber 5yr Special*
Rate Climber 5yr Special*	Rate
1st Year Rate Climber Special	3.65
2nd Year Rate Climber Special	3.75
3rd Year Rate Climber Special	3.85
4th Year Rate Climber Special	3.95
5th Year Rate Climber Special	4.50

* 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
18 Month Fixed Term Non-Redeemable Special	4.30
2 Year Fixed Term Non-Redeemable Special	4.40

List of rates for Rate Climber 3yr Special*
Rate Climber 3yr Special*	Rate
1st Year Rate Climber Special	3.75
2nd Year Rate Climber Special	4.00
3rd Year Rate Climber Special	4.75

List of rates for Rate Climber 5yr Special*
Rate Climber 5yr Special*	Rate
1st Year Rate Climber Special	3.65
2nd Year Rate Climber Special	3.75
3rd Year Rate Climber Special	3.85
4th Year Rate Climber Special	3.95
5th Year Rate Climber Special	4.50

* 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.

Lead, inspire, impact with LDCU

Our goal is to deliver exceptional service through the skills of our staff who share a passion for the opportunities of our members, community and Credit Union.

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Lead, inspire, impact with LDCU

Our goal is to deliver exceptional service through the skills of our staff who share a passion for the opportunities of our members, community and Credit Union.

View Current Postings

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