About Provincial Credit Union
Provincial Credit Union is a member-owned financial cooperative headquartered in Charlottetown, created under that name in 2013 through the amalgamation of Metro and Stella Maris credit unions, and expanded on October 1, 2021 by merging with Évangéline-Central, Malpeque Bay, and Tignish credit unions. It serves more than 35,000 members with roughly $1.2 billion in assets through ten branches across Prince Edward Island, from Tignish to Montague, and describes itself as Atlantic Canada's largest credit union.
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Access: Membership required · Open common bond
Eligible provinces: Prince Edward Island
How to join: Open a membership at any of its ten PEI branches or online.
Deposit protection: PEI Credit Union Deposit Insurance Corporation
coverage limit to be verified
Current top rates
rates confirmed as of 2026-10-15| GIC ladder | Best rate |
|---|---|
| 1-year GIC | 2.70% |
| 2-year GIC | 2.80% |
| 3-year GIC | 2.85% |
| 4-year GIC | 3.00% |
| 5-year GIC | 3.10% |
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 |
|---|---|---|---|---|---|---|
| Long-term — 1 year + | ||||||
| 1 year | Non-regRRSPRRIFTFSA | N | — | At maturity | — | 2.70% |
| 1 year | Non-regRRSPRRIFTFSA | Y | — | At maturity | — | 2.45% |
| 18 months | Non-regRRSPRRIFTFSA | N | — | At maturity | — | 2.90% |
| 2 years | Non-regRRSPRRIFTFSA | N | — | At maturity | — | 2.80% |
| 30 months | Non-regRRSPRRIFTFSA | N | — | At maturity | — | 4.00% |
| 3 years | Non-regRRSPRRIFTFSA | N | — | At maturity | — | 2.85% |
| 42 months | Non-regRRSPRRIFTFSA | N | — | At maturity | — | 3.25% |
| 4 years | Non-regRRSPRRIFTFSA | N | — | At maturity | — | 3.00% |
| 5 years | Non-regRRSPRRIFTFSA | N | — | At maturity | — | 3.10% |
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 | Yield |
|---|---|---|---|---|
| 3-year escalators | ||||
| Escalator Savings Account3 yearsNon-reg | 2.05% | 2.60% | 3.65% | 2.76% |
Savings & chequing rates
rates confirmed as of 2026-10-15Filter rates
| Type | Product | Calculated | Paid | Min. balance | Rate |
|---|---|---|---|---|---|
| Savings | |||||
| Savings | Peak Savings | — | — | $0 | 0.55% |
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 |
|---|---|---|---|---|
| 1-year | Fixed | Open | No | 7.95% |
| 1-year | Fixed | Closed | No | 5.49% |
| 2-year | Fixed | Closed | No | 5.24% |
| 3-year | Fixed | Closed | No | 4.64% |
| 3-year | Fixed | Closed | No | 6.05% |
| 4-year | Fixed | Closed | No | 6.19% |
| 5-year | Fixed | Closed | No | 4.84% |
| 5-year | Fixed | Closed | No | 6.09% |
No mortgage rates match these filters.
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