About Ganaraska Credit Union
Ganaraska Financial Credit Union (legally Ganaraska Credit Union Ltd.) is a small member-owned community credit union with over 75 years of service, operating on a 'neighbours helping neighbours' principle. It runs two branches, in Port Hope and Cobourg, Ontario, and offers personal and business banking, lending and investment products.
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Access: Membership required · Open common bond
Eligible provinces: Ontario
How to join: Open an account online through the website or visit the Port Hope or Cobourg branch.
Deposit protection: Financial Services Regulatory Authority of Ontario
prudential regulator + administers the Deposit Insurance Reserve Fund: unlimited on registered accounts, $250,000 non-registered; absorbed DICO in 2019
Current top rates
rates confirmed as of 2026-10-11| GIC ladder | Best rate |
|---|---|
| 1-year GIC | 1.85% |
| 2-year GIC | 3.25% |
| 3-year GIC | 2.85% |
| 4-year GIC | 3.65% |
| 5-year GIC | 4.40% |
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 2026-10-11Filter rates
| Term | Registration | Redeemable | Compounding | Interest paid | Min–Max deposit | Rate |
|---|---|---|---|---|---|---|
| Long-term — 1 year + | ||||||
| 1 year | Non-reg | N | — | Annually | $500+ | 1.85% |
| 2 years | Non-reg | N | — | Annually | $500+ | 3.25% |
| 2 years | Non-reg | N | — | Annually | $500+ | 2.00% |
| 3 years | Non-reg | N | — | Annually | $500+ | 2.85% |
| 4 years | Non-reg | N | — | Annually | $500+ | 3.65% |
| 4 years | Non-reg | N | — | Annually | $500+ | 2.85% |
| 5 years | Non-reg | N | — | Annually | $500+ | 4.40% |
| 5 years | Non-reg | N | — | Annually | $500+ | 3.10% |
No rates match these filters.
Mortgage rates
rates confirmed as of 2026-10-11Filter rates
| Term | Type | Open / closed | Insured | Posted rate |
|---|---|---|---|---|
| 1-year | Fixed | Closed | No | 5.29% |
| 2-year | Fixed | Closed | No | 4.79% |
| 3-year | Fixed | Closed | No | 4.69% |
| 4-year | Fixed | Closed | No | 4.89% |
| 5-year | Fixed | Closed | No | 5.09% |
| 3-year | Fixed | Closed | Yes | 4.29% |
| 5-year | Fixed | Closed | Yes | 4.49% |
No mortgage rates match these filters.
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