NLCU

Credit union· St. John's, Newfoundland & LabradorAnyone can join

Profiled by Ratehunter

data as of 2026-10-16 · How we track rates

About NLCU

Newfoundland and Labrador Credit Union (NLCU) is the largest credit union in Newfoundland and Labrador, a member-owned full-service financial institution headquartered in St. John's. It serves over 20,000 members through 12 branches in major hubs across the province with a staff of 120+, offering personal and business banking. Its founding year could not be verified (Bloomberg lists 1981 for the current entity; the credit union's own site does not state one).

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Access: Membership required · Open common bond

Eligible provinces: Newfoundland & Labrador

How to join: Open a membership account at any NLCU branch or online.

Notes: Heritage tenantId layout ('List of rates for X' single-row tables).

Deposit protection: Credit Union Deposit Guarantee Corporation (Newfoundland and Labrador)

up to $250,000

How deposit insurance works →

Current top rates

rates confirmed as of 2026-10-15

Best GIC · 5-year2.75%

Best mortgage · 5-year fixed4.39%

Prime rate4.45%

GIC ladder	Best rate
1-year GIC	2.50%
2-year GIC	2.55%
3-year GIC	2.60%
4-year GIC	2.70%
5-year GIC	2.75%

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 2026-10-15

Filter rates

Term	Registration	Redeemable	Compounding	Interest paid	Min–Max deposit	Rate
Short-term — under 1 year
7 – 29 days	Non-reg	N	—	At maturity	$500+	0.75%
30 – 59 days	Non-reg	N	—	At maturity	$500+	2.00%
60 – 89 days	Non-reg	N	—	At maturity	$500+	2.15%
90 – 179 days	Non-reg	N	—	At maturity	$500+	2.30%
6 months	RRSPRRIFTFSA	N	—	At maturity	$500+ reg	2.30%
180 – 364 days	Non-reg	N	—	At maturity	$500+	2.35%
Long-term — 1 year +
1 year	Non-regRRSPRRIFTFSA	N	—	At maturity	$500+	2.50%
2 years	Non-regRRSPRRIFTFSA	N	—	At maturity	$500+	2.55%
3 years	Non-regRRSPRRIFTFSA	N	—	At maturity	$500+	2.60%
4 years	Non-regRRSPRRIFTFSA	N	—	At maturity	$500+	2.70%
5 years	Non-regRRSPRRIFTFSA	N	—	At maturity	$500+	2.75%
7 years	Non-regRRSPTFSA	N	—	At maturity	$500+	2.90%

Savings & chequing rates

rates confirmed as of 2026-10-15

Filter rates

Type	Product	Calculated	Paid	Min. balance	Rate
Savings
Savings	Advantage (Tiered Rate Savings)	—	—	$0	0.13%
Savings	Advantage (Tiered Rate Savings)	—	—	$5,001	0.13%
Savings	Advantage (Tiered Rate Savings)	—	—	$10,001	0.13%
Savings	Advantage (Tiered Rate Savings)	—	—	$25,001	0.30%
Savings	Advantage (Tiered Rate Savings)	—	—	$60,001	0.40%
Savings	Advantage (Tiered Rate Savings)	—	—	$100,001	0.50%
Savings	Monthly Savings Plan	—	—	$0	0.70%
Savings	Online Savings	—	—	$0	0.70%
Savings	Plan 24/Daily Interest Savings	—	—	$0	0.13%
Junior	Fat Cat/Head Start	—	—	$0	0.05%
RRIF
RRIF	Variable	—	—	$0	0.13%
TFSA
TFSA	Daily Interest Savings Account	—	—	$0	0.13%

Mortgage rates

Highlighted rows are promo ratesrates confirmed as of 2026-10-15

Filter rates

Term	Type	Open / closed	Insured	Posted rate
6-month	Fixed	Open	No	9.15%
1-year	Fixed	Open	No	9.00%
1-year	Fixed	Closed	No	5.29%
2-year	Fixed	Closed	No	5.19%
3-year	Fixed	Closed	No	4.29%
4-year	Fixed	Closed	No	5.59%
5-year	Fixed	Closed	No	4.39%
5-year	Fixed	Closed	No	4.64%
5-year	Fixed	Closed	No	4.94%
5-year	Fixed	Closed	No	5.24%
5-year	Fixed	Closed	No	5.54%
5-year	Fixed	Closed	No	5.76%
7-year	Fixed	Closed	No	4.89%
5-year	Variable	Closed	No	3.95%
3-year	Fixed	Closed	Yes	4.19%
5-year	Fixed	Closed	Yes	4.29%

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