About Kindred Credit Union
Kindred Credit Union is an Ontario credit union founded on March 21, 1964 in Kitchener by 22 Mennonites as the Waterloo County Mennonite Credit Union, rooted in Anabaptist principles of mutual aid and stewardship. Renamed Kindred in 2016, it opened membership beyond Mennonite, Amish, and Be In Christ church communities in 2010 and now operates eight branches across southern Ontario as one of the province's larger credit unions, with a values-based banking focus.
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Access: Membership required · Open common bond
Eligible provinces: Ontario
How to join: Open a membership online or at a branch with a membership share purchase.
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 2026-09-22| GIC ladder | Best rate |
|---|---|
| 1-year GIC | 3.15% |
| 2-year GIC | 3.35% |
| 3-year GIC | 3.75% |
| 4-year GIC | 3.80% |
| 5-year GIC | 4.00% |
Base ladder rates. Institution may have more term rates below.
GIC rate history
Best historical posted GIC rate by term
Tracked since Jul 16, 2026 · 34 snapshots
Tracked since Jul 16, 2026 · 34 snapshots
Tracked since Jul 16, 2026 · 34 snapshots
Tracked since Jul 16, 2026 · 34 snapshots
Tracked since Jul 16, 2026 · 34 snapshots
Term deposit rates
Highlighted rows are promo rates— not stated on siterates confirmed as of 2026-09-22Filter rates
| Term | Registration | Redeemable | Compounding | Interest paid | Min–Max deposit | Rate |
|---|---|---|---|---|---|---|
| Short-term — under 1 year | ||||||
| 30 days | Non-reg | N | — | At maturity | $5k – $24,999$25k – $49,999 | 1.80%1.85% |
| 60 days | Non-reg | N | — | At maturity | $5k – $24,999$25k – $49,999 | 1.90%1.95% |
| 90 days | Non-reg | N | — | At maturity | $5k – $24,999$25k – $49,999 | 2.05%2.10% |
| 180 days | Non-reg | N | — | At maturity | $5k – $24,999$25k – $49,999 | 2.25%2.30% |
| 270 days | Non-reg | N | — | At maturity | $5k – $24,999$25k – $49,999 | 2.35%2.40% |
| Long-term — 1 year + | ||||||
| 1 year | Non-reg | N | — | At maturity | $500 – $24,999$25k – $49,999 | 3.10%3.15% |
| 1 year | Non-reg | cashable | — | At maturity | $500 – $24,999$25k – $49,999 | 2.05%2.10% |
| 2 years | Non-reg | N | — | At maturity | $500 – $24,999$25k – $49,999 | 3.30%3.35% |
| 3 years | Non-reg | N | — | At maturity | $500 – $24,999 | 3.75% |
| 3 years | Non-reg | N | — | At maturity | $25k – $49,999 | 3.75% |
| 4 years | Non-reg | N | — | At maturity | $500 – $49,999 | 3.80% |
| 5 years | Non-reg | N | — | At maturity | $500 – $49,999 | 4.00% |
| Affordable Housing GICNon-redeemable · paid at maturity · $500 to $49,999 | ||||||
| 4 years | Non-regRRSPRRIFTFSA | N | — | At maturity | $500 – $49,999 | 3.80% |
No rates match these filters.
Escalator GICs
rates confirmed as of 2026-09-22The rate rises each year of the term. Yield is the effective annual yield the institution prints.
| Product | Yr 1 | Yr 2 | Yr 3 | Yr 4 | Yr 5 | Yield |
|---|---|---|---|---|---|---|
| 3-year escalators | ||||||
| 3-Year Step Term3 years · min $500Non-regRRSPRRIFTFSA | 2.90% | 3.05% | 3.50% | — | — | 3.15% |
| 5-year escalators | ||||||
| 5-Year Step Term5 years · redeemable · min $500Non-regRRSPRRIFTFSA | 2.90% | 3.05% | 3.50% | 3.60% | 5.70% | 3.75% |
Savings & chequing rates
rates confirmed as of 2026-09-22Filter rates
| Type | Product | Calculated | Paid | Min. balance | Rate |
|---|---|---|---|---|---|
| Savings | |||||
| Savings | CUBILL SAVINGS | — | — | $10,000 | 0.70% |
| Savings | CUBILL SAVINGS | — | — | $25,000 | 0.80% |
| Savings | CUBILL SAVINGS | — | — | $50,000 | 0.90% |
| Savings | CUBILL SAVINGS | — | — | $100,000 | 1.00% |
| Savings | Daily Interest Savings Account (Plan 24) | — | — | $0 | 0.10% |
| HISA | High Interest Savings Account | — | — | — | 0.90% |
No rates match these filters.
Mortgage rates
Highlighted rows are promo ratesrates confirmed as of 2026-09-22Filter rates
| Term | Type | Open / closed | Insured | Posted rate |
|---|---|---|---|---|
| 1-year | Fixed | Open | No | 8.25% |
| 1-year | Fixed | Closed | No | 5.35% |
| 2-year | Fixed | Closed | No | 5.35% |
| 3-year | Fixed | Closed | No | 4.75% |
| 3-year | Fixed | Closed | No | 5.05% |
| 4-year | Fixed | Closed | No | 5.05% |
| 5-year | Fixed | Closed | No | 4.95% |
| 5-year | Fixed | Closed | No | 5.05% |
| 5-year | Variable | Closed | No | 4.45% |
| 3-year | Fixed | Closed | Yes | 4.44% |
| 5-year | Fixed | Closed | Yes | 4.49% |
No mortgage rates match these filters.
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