About OMISTA Credit Union
OMISTA Credit Union is a member-owned credit union headquartered in Moncton, New Brunswick, tracing its history to 1938. One of New Brunswick's English-language credit unions, it offers personal and business banking, mortgages, investments, and insurance through branches in Moncton, Fredericton, and Oromocto.
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Access: Membership required · Open common bond
Eligible provinces: New Brunswick
How to join: Open a membership account at a branch in Moncton, Fredericton, or Oromocto.
Deposit protection: New Brunswick Credit Union Deposit Insurance Corporation
up to $250,000
Current top rates
rates confirmed as of 2026-10-15| GIC ladder | Best rate |
|---|---|
| 1-year GIC | 2.75% |
| 2-year GIC | 2.90% |
| 3-year GIC | 3.00% |
| 4-year GIC | 3.10% |
| 5-year GIC | 3.25% |
Base ladder rates. Institution may have more term rates below.
Rate history builds here as we track this institution's rates over time.
Term deposit rates
— not stated on siterates confirmed as of 2026-10-15Filter rates
| Term | Registration | Redeemable | Compounding | Interest paid | Min–Max deposit | Rate |
|---|---|---|---|---|---|---|
| Short-term — under 1 year | ||||||
| 30 – 59 days | Non-reg | N | — | At maturity | — | 0.65% |
| 60 – 89 days | Non-reg | N | — | At maturity | — | 0.70% |
| 90 – 119 days | Non-reg | N | — | At maturity | — | 0.75% |
| 120 – 179 days | Non-reg | N | — | At maturity | — | 0.80% |
| 180 – 269 days | Non-reg | N | — | At maturity | — | 0.90% |
| 270 – 364 days | Non-reg | N | — | At maturity | — | 1.00% |
| Long-term — 1 year + | ||||||
| 1 year | Non-reg | N | — | At maturity | —— | 2.75%1.75% |
| 2 years | Non-reg | N | — | At maturity | —— | 2.90%1.90% |
| 3 years | Non-reg | N | — | At maturity | —— | 3.00%2.00% |
| 4 years | Non-reg | N | — | At maturity | —— | 3.10%2.10% |
| 5 years | Non-reg | N | — | At maturity | —— | 3.25%2.25% |
No rates match these filters.
Savings & chequing rates
rates confirmed as of 2026-10-15Filter rates
| Type | Product | Calculated | Paid | Min. balance | Rate |
|---|---|---|---|---|---|
| Savings | |||||
| HISA | HISA (High Interest Savings Account) | — | — | — | 1.00% |
| USD | U.S. DollarUS$ | — | — | — | 0.25% |
| RRSP | |||||
| RRSP | Park & Plan | — | — | — | 1.00% |
| RRIF | |||||
| RRIF | Park & Plan | — | — | — | 1.00% |
| TFSA | |||||
| TFSA | Park & Plan | — | — | — | 1.00% |
No rates match these filters.
Mortgage rates
Highlighted rows are promo ratesrates confirmed as of 2026-10-15Filter rates
| Term | Type | Open / closed | Insured | Posted rate |
|---|---|---|---|---|
| 6-month | Fixed | Open | No | 9.75% |
| 1-year | Fixed | Open | No | 9.00% |
| 2-year | Fixed | Open | No | 9.50% |
| 3-year | Fixed | Open | No | 10.00% |
| 6-month | Fixed | Closed | No | 7.99% |
| 1-year | Fixed | Closed | No | 6.09% |
| 2-year | Fixed | Closed | No | 5.84% |
| 3-year | Fixed | Closed | No | 4.49% |
| 3-year | Fixed | Closed | No | 5.74% |
| 4-year | Fixed | Closed | No | 6.09% |
| 5-year | Fixed | Closed | No | 4.64% |
| 5-year | Fixed | Closed | No | 6.19% |
| 1-year | Fixed | Convertible | No | 7.99% |
No mortgage rates match these filters.
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