About Creston & District Credit Union
Creston & District Credit Union is a single-branch, member-owned credit union serving the Creston Valley in southeastern BC since 1951 (celebrating its 75th anniversary in 2026), with over $138 million in assets and about 5,300 members. It offers personal and business banking, mortgages, loans and investments, and is a significant local community funder. It explored a seven-credit-union Kootenay regional merger in 2019 but withdrew and remains independent.
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Access: Geographically restricted · Open common bond
Eligible provinces: British Columbia
How to join: Join at the Creston branch (250-428-5351) or via the JOIN CDCU link on its website.
Deposit protection: Credit Union Deposit Insurance Corporation of British Columbia
100% unlimited deposit protection; administered by BCFSA
Current top rates
rates confirmed as of 2026-10-15| GIC ladder | Best rate |
|---|---|
| 1-year GIC | 2.75% |
| 2-year GIC | 2.30% |
| 3-year GIC | 2.35% |
| 4-year GIC | 2.40% |
| 5-year GIC | 2.50% |
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
Highlighted rows are promo rates— not stated on siterates confirmed as of 2026-10-15Filter rates
| Term | Registration | Redeemable | Compounding | Interest paid | Min–Max deposit | Rate |
|---|---|---|---|---|---|---|
| Short-term — under 1 year | ||||||
| 30–89 days | Non-reg | Y | — | At maturity | $1k+ | 0.50% |
| 90–364 days | Non-reg | Y | — | At maturity | $1k+ | 0.75% |
| Long-term — 1 year + | ||||||
| 1 year | Non-reg | N | — | At maturity | $1k+ | 2.75% |
| 12 – 23 months | Non-regRRSPRRIFTFSAFHSA | N | — | At maturity | $1k+ | 2.25% |
| 12 – 23 months | Non-regRRSPRRIFTFSAFHSA | Y | — | At maturity | $1k+ | 1.10% |
| 24 – 35 months | Non-regRRSPRRIFTFSAFHSA | N | — | At maturity | $1k+ | 2.30% |
| 24 – 35 months | Non-regRRSPRRIFTFSAFHSA | Y | — | At maturity | $1k+ | 1.35% |
| 36 – 47 months | Non-regRRSPRRIFTFSAFHSA | N | — | At maturity | $1k+ | 2.35% |
| 36 – 47 months | Non-regRRSPRRIFTFSAFHSA | Y | — | At maturity | $1k+ | 1.40% |
| 48 – 59 months | Non-regRRSPRRIFTFSAFHSA | N | — | At maturity | $1k+ | 2.40% |
| 48 – 59 months | Non-regRRSPRRIFTFSAFHSA | Y | — | At maturity | $1k+ | 1.45% |
| 5 years | Non-regRRSPRRIFTFSAFHSA | N | — | At maturity | $1k+ | 2.50% |
| 5 years | Non-regRRSPRRIFTFSAFHSA | Y | — | At maturity | $1k+ | 1.50% |
No rates match these filters.
Savings & chequing rates
rates confirmed as of 2026-10-15Filter rates
| Type | Product | Calculated | Paid | Min. balance | Rate |
|---|---|---|---|---|---|
| RRSP | |||||
| RRSP | Variable Savings | — | — | $1,000 | 0.50% |
| RRIF | |||||
| RRIF | Variable Savings | — | — | $1,000 | 0.50% |
| TFSA | |||||
| TFSA | Variable Savings | — | — | $1,000 | 0.50% |
| FHSA | |||||
| FHSA | Variable Savings | — | — | $1,000 | 0.50% |
No rates match these filters.
Mortgage rates
Highlighted rows are promo ratesrates confirmed as of 2026-10-15Filter rates
| Term | Type | Open / closed | Insured | Posted rate |
|---|---|---|---|---|
| 1-year | Fixed | Open | No | 6.25% |
| 1-year | Fixed | Closed | No | 5.00% |
| 2-year | Fixed | Closed | No | 5.15% |
| 3-year | Fixed | Closed | No | 5.20% |
| 4-year | Fixed | Closed | No | 5.25% |
| Mortgage rate Special (new mortgages)Fixed · closed · conventional · 5-year term | ||||
| 5-year | Fixed | Closed | No | 4.25% |
| 5-year | Fixed | Closed | No | 5.50% |
No mortgage rates match these filters.
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