About Kingston Community Credit Union
Kingston Community Credit Union (KCCU) is a member-owned Ontario credit union founded in 1957 as the Kingston Municipal Employees Credit Union by city workers. It became a full-service open community bond credit union in 1974 after merging with the Teamsters and Kingston General Hospital Employees credit unions, and today serves roughly 10,000 members with about $212M in assets through branches in Kingston.
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Access: Membership required · Open common bond
Eligible provinces: Ontario
How to join: Open a membership at a Kingston branch or online with a small membership share; membership is retained for life.
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 | 3.00% |
| 2-year GIC | 3.10% |
| 3-year GIC | 3.20% |
| 4-year GIC | 3.30% |
| 5-year GIC | 3.45% |
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 2026-10-11Filter rates
| Term | Registration | Redeemable | Compounding | Interest paid | Min–Max deposit | Rate |
|---|---|---|---|---|---|---|
| Long-term — 1 year + | ||||||
| 1 year | Non-reg | N | — | At maturity | — | 3.00% |
| 1 year | Non-reg | cashable | — | At maturity | — | 2.00% |
| 2 years | Non-reg | N | — | At maturity | — | 3.10% |
| 3 years | Non-reg | N | — | At maturity | — | 3.20% |
| 4 years | Non-reg | N | — | At maturity | — | 3.30% |
| 5 years | Non-reg | N | — | At maturity | — | 3.45% |
No rates match these filters.
Savings & chequing rates
rates confirmed as of 2026-10-11Filter rates
| Type | Product | Calculated | Paid | Min. balance | Rate |
|---|---|---|---|---|---|
| Savings | |||||
| HISA | High Interest Savings Account (HISA) | — | — | $0 | 0.80% |
| HISA | High Interest Savings Account (HISA) | — | — | $10,000 | 0.80% |
| HISA | High Interest Savings Account (HISA) | — | — | $25,000 | 0.80% |
| HISA | High Interest Savings Account (HISA) | — | — | $100,000 | 0.80% |
No rates match these filters.
Mortgage rates
rates confirmed as of 2026-10-11Filter rates
| Term | Type | Open / closed | Insured | Posted rate |
|---|---|---|---|---|
| 6-month | Fixed | Open | No | 7.95% |
| 6-month | Fixed | Closed | No | 6.10% |
| 1-year | Fixed | Closed | No | 5.00% |
| 2-year | Fixed | Closed | No | 4.59% |
| 3-year | Fixed | Closed | No | 4.64% |
| 4-year | Fixed | Closed | No | 4.70% |
| 5-year | Fixed | Closed | No | 4.80% |
| Fixed – Discount (Closed)Fixed · closed · conventional · 1-year to 5-year terms | ||||
| 1-year | Fixed | Closed | No | 5.00% |
| 2-year | Fixed | Closed | No | 4.59% |
| 3-year | Fixed | Closed | No | 4.64% |
| 4-year | Fixed | Closed | No | 4.70% |
| 5-year | Fixed | Closed | No | 4.75% |
| Fixed – CHMC (Closed)Fixed · closed · insured (high-ratio) · 5-year term | ||||
| 5-year | Fixed | Closed | Yes | 4.80% |
No mortgage rates match these filters.
Home equity line of credit
| Product | Posted rate |
|---|---|
| Basic Variable Rate Mortgage (HELOC) | 5.60% |
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