About League Savings & Mortgage
League Savings and Mortgage Company (LSM) is a federally regulated financial institution established in 1966 by Nova Scotia credit union leaders. It is owned by Atlantic Central, the trade association and central for Atlantic Canada's credit unions, and is based in Halifax. It provides GICs and term deposits, residential and commercial mortgages, and treasury services, and is a CDIC member.
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Access: Open to all Canadians
Eligible provinces: Alberta, British Columbia, Manitoba, New Brunswick, Newfoundland & Labrador, Nova Scotia, Northwest Territories, Nunavut, Ontario, Prince Edward Island, Quebec, Saskatchewan, Yukon
How to join: Open deposit products via the MyLSM online platform, by phone, or through broker/credit union channels.
Deposit protection: Canada Deposit Insurance Corporation
$100,000 per insured category per member institution
Current top rates
data as of 2026-10-16 · posted rates confirmed as of 2026-10-14| GIC ladder | Best rate |
|---|---|
| 1-year GIC | 3.50% |
| 2-year GIC | 3.80% |
| 3-year GIC | 3.95% |
| 4-year GIC | 4.10% |
| 5-year GIC | 4.20% |
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
— not stated on sitedata as of 2026-10-16 · posted rates confirmed as of 2026-10-14Filter rates
| Term | Registration | Redeemable | Compounding | Interest paid | Min–Max deposit | Rate |
|---|---|---|---|---|---|---|
| Long-term — 1 year + | ||||||
| 1 year | Non-reg | N | — | AnnuallyMonthly | $1k+$5k+ | 3.50%3.25% |
| 1 year | RRSPRRIFTFSA | N | — | AnnuallyMonthly | $1k+ reg$5k+ reg | 3.30%3.05% |
| 1 year | Non-reg | Y | — | At maturity | $1k+ | 1.50% |
| 2 years | RRSPRRIFTFSA | N | — | AnnuallyMonthly | —— | 3.60%3.35% |
| 2 years | Non-reg | N | — | AnnuallyMonthly | No minimumNo minimum | 3.80%3.55% |
| 3 years | RRSPRRIFTFSA | N | — | AnnuallyMonthly | —— | 3.75%3.50% |
| 3 years | Non-reg | N | — | AnnuallyMonthly | No minimumNo minimum | 3.95%3.70% |
| 4 years | RRSPRRIFTFSA | N | — | AnnuallyMonthly | —— | 3.90%3.65% |
| 4 years | Non-reg | N | — | AnnuallyMonthly | No minimumNo minimum | 4.10%3.85% |
| 5 years | RRSPRRIFTFSA | N | — | AnnuallyMonthly | —— | 4.00%3.75% |
| 5 years | Non-reg | N | — | AnnuallyMonthly | No minimumNo minimum | 4.20%3.95% |
No rates match these filters.
Savings & chequing rates
rates confirmed as of 2026-10-14Filter rates
| Type | Product | Calculated | Paid | Min. balance | Rate |
|---|---|---|---|---|---|
| Savings | |||||
| Savings | Mortgage Property Tax Accounts | — | — | — | 0.05% |
| RRSP | |||||
| RRSP | Variable Rate | — | — | $100 | 0.25% |
| RESP | |||||
| RESP | Variable Rate | — | — | $100 | 0.25% |
| RDSP | |||||
| RDSP | Variable Rate | — | — | $100 | 0.25% |
| RRIF | |||||
| RRIF | Variable Rate | — | — | $100 | 0.25% |
| TFSA | |||||
| TFSA | Variable Rate | — | — | $100 | 0.25% |
| FHSA | |||||
| FHSA | FHSA | — | — | $100 | 1.50% |
No rates match these filters.
Mortgage rates
rates confirmed as of 2026-10-14Filter rates
| Term | Type | Open / closed | Insured | Posted rate |
|---|---|---|---|---|
| 6-month | Fixed | Open | No | 9.30% |
| 6-month | Fixed | Closed | No | 7.80% |
| 1-year | Fixed | Closed | No | 5.80% |
| 2-year | Fixed | Closed | No | 5.70% |
| 3-year | Fixed | Closed | No | 5.60% |
| 4-year | Fixed | Closed | No | 5.50% |
| 5-year | Fixed | Closed | No | 5.40% |
| 5-year | Variable | Closed | No | 4.70%Prime + 0.25% |
| 1-year | Fixed | Closed | Yes | 5.30% |
| 2-year | Fixed | Closed | Yes | 5.20% |
| 3-year | Fixed | Closed | Yes | 5.10% |
| 4-year | Fixed | Closed | Yes | 5.00% |
| 5-year | Fixed | Closed | Yes | 4.90% |
| Alt-A Rates FixedFixed · closed · conventional · 1-year to 3-year terms | ||||
| 1-year | Fixed | Closed | No | 5.75% |
| 2-year | Fixed | Closed | No | 5.65% |
| 3-year | Fixed | Closed | No | 5.55% |
No mortgage rates match these filters.
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