About Golden Horseshoe Credit Union
Golden Horseshoe Credit Union is a small member-owned credit union in Hamilton, Ontario, with more than 50 years of service and roots in the steel industry serving ArcelorMittal (Dofasco) employees and their families. Today it describes itself as community-based in Hamilton with more than 3,200 members, offering everyday banking, mortgages and financial planning.
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Access: Membership required · Open common bond
Eligible provinces: Ontario
How to join: Complete the new-member application on the website and a representative follows up to open the membership.
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 2026-10-13| GIC ladder | Best rate |
|---|---|
| 1-year GIC | 3.00% |
| 2-year GIC | 3.00% |
| 3-year GIC | 3.15% |
| 4-year GIC | 3.35% |
| 5-year GIC | 3.65% |
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 2026-10-13Filter rates
| Term | Registration | Redeemable | Compounding | Interest paid | Min–Max deposit | Rate |
|---|---|---|---|---|---|---|
| Short-term — under 1 year | ||||||
| 30–364 days | Non-reg | Y | — | At maturity | $5k+$10k+$25k+ | 0.15%0.20%0.25% |
| Long-term — 1 year + | ||||||
| 1 year | Non-regRRSPRRIFTFSA | N | Annually—Annually—Annually—Annually—Annually— | At maturityAnnuallyAt maturityAnnuallyAt maturityAnnuallyAt maturityAnnuallyAt maturityAnnually | $500+$500+$10k+$10k+$25k+$25k+$50k+$50k+$100k+$100k+ | 2.65%2.65%2.70%2.70%2.75%2.75%2.80%2.80%3.00%3.00% |
| 2 years | Non-regRRSPRRIFTFSA | N | Annually—Annually—Annually—Annually—Annually— | At maturityAnnuallyAt maturityAnnuallyAt maturityAnnuallyAt maturityAnnuallyAt maturityAnnually | $500+$500+$10k+$10k+$25k+$25k+$50k+$50k+$100k+$100k+ | 2.70%2.70%2.75%2.75%2.80%2.80%2.85%2.85%3.00%3.00% |
| 3 years | Non-regRRSPRRIFTFSA | N | Annually—Annually—Annually—Annually—Annually— | At maturityAnnuallyAt maturityAnnuallyAt maturityAnnuallyAt maturityAnnuallyAt maturityAnnually | $500+$500+$10k+$10k+$25k+$25k+$50k+$50k+$100k+$100k+ | 2.70%2.70%2.75%2.75%2.90%2.90%3.05%3.05%3.15%3.15% |
| 4 years | Non-regRRSPRRIFTFSA | N | Annually—Annually—Annually—Annually—Annually— | At maturityAnnuallyAt maturityAnnuallyAt maturityAnnuallyAt maturityAnnuallyAt maturityAnnually | $500+$500+$10k+$10k+$25k+$25k+$50k+$50k+$100k+$100k+ | 2.75%2.75%2.90%2.90%3.00%3.00%3.15%3.15%3.35%3.35% |
| 5 years | Non-regRRSPRRIFTFSA | N | Annually—Annually—Annually—Annually—Annually— | At maturityAnnuallyAt maturityAnnuallyAt maturityAnnuallyAt maturityAnnuallyAt maturityAnnually | $500+$500+$10k+$10k+$25k+$25k+$50k+$50k+$100k+$100k+ | 3.00%3.00%3.15%3.15%3.25%3.25%3.45%3.45%3.65%3.65% |
No rates match these filters.
Savings & chequing rates
rates confirmed as of 2026-10-13Filter rates
| Type | Product | Calculated | Paid | Min. balance | Rate |
|---|---|---|---|---|---|
| Savings | |||||
| Savings | Minimum Monthly Savings Account | — | Quarterly | — | 0.05% |
| Savings | Property Tax Savings Account | — | Quarterly | — | 0.05% |
| Senior | Golden Age Savings Account | — | Quarterly | — | 0.15% |
| USD | U.S. Savings AccountUS$ | — | Quarterly | — | 0.05% |
| RRSP | |||||
| RRSP | Variable Rate RRSP / RRIF Deposits | — | Semi-annually | — | 0.25% |
| RRIF | |||||
| RRIF | Variable Rate RRSP / RRIF Deposits | — | Semi-annually | — | 0.25% |
No rates match these filters.
Mortgage rates
rates confirmed as of 2026-10-13Filter rates
| Term | Type | Open / closed | Insured | Posted rate |
|---|---|---|---|---|
| 1-year | Fixed | Open | No | 9.00% |
| 1-year | Fixed | Closed | No | 5.99% |
| 2-year | Fixed | Closed | No | 4.99% |
| 3-year | Fixed | Closed | No | 4.25% |
| 5-year | Fixed | Closed | No | 4.59% |
| 1-year | Fixed · Second mortgage | Open | No | 10.00% |
| 1-year | Fixed · Second mortgage | Closed | No | 6.99% |
| 2-year | Fixed · Second mortgage | Closed | No | 5.99% |
| 3-year | Fixed · Second mortgage | Closed | No | 5.35% |
| 5-year | Fixed · Second mortgage | Closed | No | 5.49% |
No mortgage rates match these filters.
Home equity line of credit
| Product | Posted rate |
|---|---|
| Flex-Line Home Equity Line of Credit - First Mortgage Position | 4.70% |
| Flex-Line Home Equity Line of Credit - Second Mortgage Position | 5.70% |
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