About Beaubear Credit Union
Beaubear Credit Union is a member-owned, full-service financial co-operative established in 1938 in Miramichi, New Brunswick, describing itself as 100% locally owned. It operates two branches in Miramichi and offers chequing and savings accounts, term deposits, TFSAs/RRSPs, mortgages, loans, Mastercard credit cards and insurance.
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Access: Membership required · Open common bond
Eligible provinces: New Brunswick
How to join: Open a membership at a Miramichi branch with a $5.00 share deposit in a Share account.
Deposit protection: New Brunswick Credit Union Deposit Insurance Corporation
up to $250,000
Current top rates
rates confirmed as of 2026-10-16| GIC ladder | Best rate |
|---|---|
| 1-year GIC | 3.30% |
| 2-year GIC | 3.60% |
| 3-year GIC | 3.75% |
| 4-year GIC | 3.90% |
| 5-year GIC | 4.00% |
Base ladder rates. Institution may have more term rates below.
Rate history builds here as we track this institution's rates over time.
Term deposit rates
— not stated on siterates confirmed as of 2026-10-16Filter rates
| Term | Registration | Redeemable | Compounding | Interest paid | Min–Max deposit | Rate |
|---|---|---|---|---|---|---|
| Short-term — under 1 year | ||||||
| 30 days | Non-reg | N | — | At maturity | — | 0.15% |
| 60 – 89 days | Non-reg | N | — | At maturity | — | 0.15% |
| 90 – 179 days | Non-reg | N | — | At maturity | — | 0.30% |
| 180 – 269 days | Non-reg | N | — | At maturity | — | 0.35% |
| 270 – 364 days | Non-reg | N | — | At maturity | — | 0.40% |
| Long-term — 1 year + | ||||||
| 1 year | Non-reg | N | — | At maturity | — | 3.30% |
| 1 year | RRSP | N | — | At maturity | — | 3.15% |
| 2 years | Non-reg | N | — | At maturity | — | 3.60% |
| 2 years | RRSP | N | — | At maturity | — | 3.35% |
| 3 years | Non-reg | N | — | At maturity | — | 3.75% |
| 3 years | RRSP | N | — | At maturity | — | 3.45% |
| 4 years | Non-reg | N | — | At maturity | — | 3.90% |
| 4 years | RRSP | N | — | At maturity | — | 3.50% |
| 5 years | Non-reg | N | — | At maturity | — | 4.00% |
| 5 years | RRSP | N | — | At maturity | — | 3.65% |
No rates match these filters.
Savings & chequing rates
rates confirmed as of 2026-10-16Filter rates
| Type | Product | Calculated | Paid | Min. balance | Rate |
|---|---|---|---|---|---|
| Savings | |||||
| Savings | Plan 24 | — | — | — | 0.05% |
| Savings | Youth Savings | — | — | — | 0.15% |
No rates match these filters.
Mortgage rates
rates confirmed as of 2026-10-16Filter rates
| Term | Type | Open / closed | Insured | Posted rate |
|---|---|---|---|---|
| 6-month | Fixed | Closed | No | 7.69% |
| 1-year | Fixed | Closed | No | 5.30% |
| 2-year | Fixed | Closed | No | 5.20% |
| 3-year | Fixed | Closed | No | 5.10% |
| 4-year | Fixed | Closed | No | 5.00% |
| 5-year | Fixed | Closed | No | 4.90% |
No mortgage rates match these filters.
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