About Mosaik Credit Union
Mosaik Credit Union is a Nova Scotia credit union created by the merger of Community Credit Union (Truro), New Ross Credit Union and Victory Credit Union, approved by member votes in 2024 with the merged entity operating from early 2025. Member-owned and headquartered in Truro, it serves over 13,500 members through 9 locations with about $350 million in assets.
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Access: Membership required · Open common bond
Eligible provinces: Nova Scotia
How to join: Open a membership account at any Mosaik branch or online.
Deposit protection: Nova Scotia Credit Union Deposit Insurance Corporation
up to $250,000
Current top rates
rates confirmed as of 2026-10-15Rate 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 2026-10-15Filter rates
| Term | Registration | Redeemable | Compounding | Interest paid | Min–Max deposit | Rate |
|---|---|---|---|---|---|---|
| Long-term — 1 year + | ||||||
| 1 year | RRSPRESPRRIFTFSA | N | — | At maturity | — | 2.45% |
| 18 months | Non-reg | N | — | At maturity | — | 3.40% |
| 2 years | RRSPRESPRRIFTFSA | N | — | At maturity | — | 3.20% |
| 3 years | RRSPRESPRRIFTFSA | N | — | At maturity | — | 2.75% |
| 4 years | RRSPRESPRRIFTFSA | N | — | At maturity | — | 2.80% |
| 5 years | RRSPRESPRRIFTFSA | N | — | At maturity | — | 3.00% |
No rates match these filters.
Escalator GICs
rates confirmed as of 2026-10-15The 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 |
|---|---|---|---|---|---|---|
| 5-year escalators | ||||||
| Rate Climber - Redeemable on 3rd & 4th Anniversary5 years · redeemableNon-reg | 2.75% | 2.85% | 2.95% | 3.20% | 3.50% | 3.05% |
Savings & chequing rates
rates confirmed as of 2026-10-15Filter rates
| Type | Product | Calculated | Paid | Min. balance | Rate |
|---|---|---|---|---|---|
| Savings | |||||
| HISA | HISA | — | — | — | 0.60% |
| RRSP | |||||
| RRSP | RRSP/RRIF/RESP High Interest Savings | — | — | — | 0.50% |
| RESP | |||||
| RESP | RRSP/RRIF/RESP High Interest Savings | — | — | — | 0.50% |
| RRIF | |||||
| RRIF | RRSP/RRIF/RESP High Interest Savings | — | — | — | 0.50% |
| TFSA | |||||
| TFSA | TFSA HISA | — | — | — | 0.55% |
No rates match these filters.
Mortgage rates
rates confirmed as of 2026-10-15Filter rates
| Term | Type | Open / closed | Insured | Posted rate |
|---|---|---|---|---|
| 1-year | Fixed | Closed | No | 5.60% |
| 2-year | Fixed | Closed | No | 5.10% |
| 3-year | Fixed | Closed | No | 4.95% |
| 4-year | Fixed | Closed | No | 5.00% |
| 5-year | Fixed | Closed | No | 4.80% |
| No set term | Variable | Closed | No | 4.95%Prime + 0.50% |
| 5-year | Fixed | Closed | Yes | 4.60% |
| 5-year | Fixed | Closed | Yes | 4.85% |
No mortgage rates match these filters.
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