About Khalsa Credit Union
Khalsa Credit Union is a member-owned BC credit union incorporated on February 19, 1986 to serve the financial needs of the Sikh community. Headquartered in Surrey, it operates six branches (three in Surrey, plus Vancouver, Abbotsford, and Victoria) with over 15,000 members and $460M+ in assets, and describes itself as the largest Sikh member-owned financial institution in the world.
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Access: Membership required
Eligible provinces: British Columbia
How to join: Request an account online or by phone (604-507-6400); a Khalsa representative completes membership by phone or in branch.
Notes: Must reside or work in BC; $5 share. Open membership, with member base oriented to BC Sikh community per the matrix.; $5 share; open membership
Deposit protection: Credit Union Deposit Insurance Corporation of British Columbia
100% unlimited deposit protection; administered by BCFSA
Current top rates
rates confirmed as of 2026-09-16| GIC ladder | Best rate |
|---|---|
| 1-year GIC | 2.70% |
| 2-year GIC | 3.00% |
| 3-year GIC | 2.90% |
| 4-year GIC | 3.00% |
| 5-year GIC | 3.10% |
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 2026-09-16Filter rates
| Term | Registration | Redeemable | Compounding | Interest paid | Min–Max deposit | Rate |
|---|---|---|---|---|---|---|
| Short-term — under 1 year | ||||||
| 30–89 days | Non-reg | N | — | At maturity | — | 2.00% |
| 90 – 179 days | Non-reg | N | — | At maturity | — | 2.30% |
| 180–364 days | Non-reg | N | — | At maturity | — | 2.50% |
| Long-term — 1 year + | ||||||
| 1 year | Non-reg | N | — | Annually | — | 2.70% |
| 18 months | Non-reg | N | — | Annually | — | 2.80% |
| 18 months | Non-reg | cashable | — | At maturity | — | 2.00% |
| 2 years | Non-reg | N | — | Annually | — | 3.00% |
| 3 years | Non-reg | N | — | Annually | — | 2.90% |
| 4 years | Non-reg | N | — | Annually | — | 3.00% |
| 5 years | Non-reg | N | — | Annually | — | 3.10% |
No rates match these filters.
Savings & chequing rates
rates confirmed as of 2026-09-16Filter rates
| Type | Product | Calculated | Paid | Min. balance | Rate |
|---|---|---|---|---|---|
| Savings | |||||
| Savings | KCU Regular Savings | — | — | — | 0.15% |
| Savings | KCU Special Savings | — | — | — | 0.30% |
| Senior | KCU Golden Savings | — | — | — | 0.15% |
No rates match these filters.
Mortgage rates
Highlighted rows are promo ratesrates confirmed as of 2026-09-16Filter rates
| Term | Type | Open / closed | Insured | Posted rate |
|---|---|---|---|---|
| 6-month | Fixed | Open | No | 9.90% |
| 1-year | Fixed | Open | No | 7.95% |
| 6-month | Fixed | Closed | No | 8.50% |
| 1-year | Fixed | Closed | No | 7.69% |
| 2-year | Fixed | Closed | No | 7.34% |
| 3-year | Fixed | Closed | No | 4.19% |
| 3-year | Fixed | Closed | No | 6.79% |
| 4-year | Fixed | Closed | No | 6.59% |
| 5-year | Fixed | Closed | No | 4.19% |
| 5-year | Fixed | Closed | No | 6.39% |
| 7-year | Fixed | Closed | No | 7.20% |
| 10-year | Fixed | Closed | No | 6.90% |
| 1-year | Variable | Closed | No | 7.69% |
No mortgage rates match these filters.
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