About Moya Financial
Moya Financial Credit Union is a Toronto-based Ontario credit union formed in January 2016 by the merger of Krek Slovenian Credit Union and Slovenia Parishes Credit Union, continuing over six decades of service to Southern Ontario's Slovenian community. Member-owned, it offers personal and business banking, mortgages, credit cards and investments. 'Moja' means 'my' in Slovenian.
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Access: Membership required · Open common bond
Eligible provinces: Ontario
How to join: Purchase $50 in membership shares (10 shares) to become a member-owner.
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 2026-10-15| GIC ladder | Best rate |
|---|---|
| 1-year GIC | 3.30% |
| 2-year GIC | 3.35% |
| 3-year GIC | 3.45% |
| 4-year GIC | 3.45% |
| 5-year GIC | 3.50% |
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 2026-10-15Filter rates
| Term | Registration | Redeemable | Compounding | Interest paid | Min–Max deposit | Rate |
|---|---|---|---|---|---|---|
| Long-term — 1 year + | ||||||
| 1 year | FHSA | N | — | At maturity | — | 3.45% |
| 1 year | Non-regRRSPTFSA | N | — | At maturity | $500+ | 3.30% |
| 1 year | Non-reg | N | — | At maturity | — | 3.10% |
| 1 year | Non-reg | Y | — | At maturity | — | 2.45% |
| 1 year | Non-reg | Y | — | At maturity | — | 2.00% |
| 2 years | Non-reg | N | — | At maturity | — | 3.35% |
| 3 years | Non-reg | N | — | At maturity | — | 3.45% |
| 4 years | Non-reg | N | — | At maturity | — | 3.45% |
| 5 years | Non-reg | N | — | At maturity | — | 3.50% |
No rates match these filters.
Escalator GICs
rates confirmed as of 2026-10-15The rate rises each year of the term. Yield is the effective annual yield the institution prints.
| Product | Yr 1 | Yr 2 | Yr 3 | Yr 4 | Yr 5 | Yield |
|---|---|---|---|---|---|---|
| 5-year escalators | ||||||
| Growing Rate Term Deposit (Non-redeemable)5 yearsNon-reg | 2.60% | 2.70% | 2.75% | 3.15% | 3.50% | 2.94% |
| Growing Rate Term Deposit (Redeemable)5 years · redeemableNon-reg | 1.05% | 1.55% | 2.05% | 3.35% | 3.80% | 2.36% |
Savings & chequing rates
rates confirmed as of 2026-10-15Filter rates
| Type | Product | Calculated | Paid | Min. balance | Rate |
|---|---|---|---|---|---|
| Savings | |||||
| Savings | Daily Interest Savings Account | — | — | — | 0.15% |
| Savings | Savings Account | — | — | — | 0.50% |
| Junior | Youth Savings Account | — | — | — | 0.50% |
| USD | US Dollar AccountUS$ | — | — | — | 0.01% |
| EUR | Euro Account€ | — | — | — | 0.00% |
| Chequing | |||||
| Chequing | No-fee Chequing Account | — | — | — | 0.00% |
| RRSP | |||||
| RRSP | RRIF (Variable) | — | — | — | 0.50% |
| RRSP | RRSP (Variable) | — | — | — | 0.50% |
| RRIF | |||||
| RRIF | RRIF (Variable) | — | — | — | 0.50% |
| RRIF | RRSP (Variable) | — | — | — | 0.50% |
| TFSA | |||||
| TFSA | TFSA (Variable) | — | — | — | 0.50% |
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 | Open | No | 5.99% |
| 1-year | Fixed | Closed | No | 5.29% |
| 2-year | Fixed | Closed | No | 5.19% |
| 3-year | Fixed | Closed | No | 4.69% |
| 4-year | Fixed | Closed | No | 4.49% |
| 5-year | Fixed | Closed | No | 4.39% |
| No set term | Variable | Open | No | 5.45%Prime + 1.00% |
| No set term | Variable | Closed | No | 4.45%Prime |
| No set term | Variable | Closed | No | 8.45%Prime + 4.00% |
| 5-year | Fixed | Closed | Yes | 4.19% |
No mortgage rates match these filters.
Home equity line of credit
| Product | Posted rate |
|---|---|
| MeritLine (HELOC) | 5.95%Prime + 1.50% |
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