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Rocky Credit Union

Credit union· Rocky Mountain House, Alberta· Since 1944Anyone can join

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

About Rocky Credit Union

Community credit union established in 1944 in Rocky Mountain House, Alberta, and described on its site as the largest single-branch credit union in Canada. Serves the people of Rocky Mountain House and surrounding area with personal, business, agriculture and wealth services, and returns profits to members through an annual Profit Share and dividends (12% profit share in 2025).

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Access: Membership required · Open common bond

Eligible provinces: Alberta

How to join: Online application via the Join Us page ("Join RCU" link) or in branch.

Notes: No membership-share amount published on join page.

Deposit protection: Credit Union Deposit Guarantee Corporation (Alberta)

100% deposit guarantee; also the prudential supervisor under Alberta Treasury Board oversight

How deposit insurance works →

Current top rates

rates confirmed as of 2026-10-16

Best GIC · 3-year2.70%

Best mortgage · 5-year fixed3.90%

Prime rate4.45%

GIC ladder	Best rate
1-year GIC	2.30%
2-year GIC	2.50%
3-year GIC	2.70%
4-year GIC	2.50%
5-year GIC	2.50%

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

— not stated on siterates confirmed as of 2026-10-16

Filter rates

Term	Registration	Redeemable	Compounding	Interest paid	Min–Max deposit	Rate
Long-term — 1 year +
1 year	Non-regRRSPRRIFTFSAFHSA	N	—	Annually	$500+	2.30%
1 year	Non-reg	Y	—	Annually	$500+	1.50%
2 years	Non-regRRSPRRIFTFSAFHSA	N	—	Annually	$500+	2.50%
2 years	Non-reg	Y	—	Annually	$500+	1.60%
3 years	Non-regRRSPRRIFTFSAFHSA	N	—	Annually	$500+	2.70%
3 years	Non-reg	Y	—	Annually	$500+	1.70%
4 years	Non-regRRSPRRIFTFSAFHSA	N	—	Annually	$500+	2.50%
4 years	Non-reg	Y	—	Annually	$500+	1.80%
5 years	Non-regRRSPRRIFTFSAFHSA	N	—	Annually	$500+	2.50%
5 years	Non-reg	Y	—	Annually	$500+	1.90%
U.S. dollar — all terms
30 days	Non-reg	Y	—	At maturity	—	0.05%
1 year	Non-reg	N	—	At maturity	—	0.20%

Savings & chequing rates

rates confirmed as of 2026-10-16

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Type	Product	Calculated	Paid	Min. balance	Rate
Savings
Savings	Premium Savings	—	—	$0	0.15%
Savings	Premium Savings	—	—	$5,000	0.40%
Savings	Premium Savings	—	—	$25,000	0.50%
Savings	Premium Savings	—	—	$500,000	0.70%
Savings	Select Savings Accounts	—	—	$0	0.05%
Savings	Select Savings Accounts	—	—	$5,000	0.10%
Savings	Special Savings	—	—	$0	0.01%
Savings	Special Savings	—	—	$5,000	0.01%
Chequing
USD	USD Chequing AccountUS$	—	—	—	0.05%
RRSP
RRSP	RRSP/RRIF Term Deposit - Variable Rate	—	Monthly	—	0.90%
RRIF
RRIF	RRSP/RRIF Term Deposit - Variable Rate	—	Monthly	—	0.90%
TFSA
TFSA	TFSA Term Deposit - Variable Rate	—	Monthly	—	0.90%
FHSA
FHSA	FHSA Term Deposit - Variable Rate	—	Monthly	—	0.90%

Mortgage rates

Highlighted rows are promo ratesrates confirmed as of 2026-10-16

Filter rates

Term	Type	Open / closed	Insured	Posted rate
1-year	Fixed	Closed	No	5.29%
2-year	Fixed	Closed	No	4.79%
3-year	Fixed	Closed	No	4.69%
4-year	Fixed	Closed	No	4.59%
5-year	Fixed	Closed	No	4.44%
No set term	Variable	Open	No	5.49%Prime + 1.04%
No set term	Variable	Open	No	5.49%Prime + 1.04%
Fixed Rate Mortgage (Potential Profit Share Rate)Fixed · closed · conventional · 1-year to 5-year terms
1-year	Fixed	Closed	No	4.65%
2-year	Fixed	Closed	No	4.21%
3-year	Fixed	Closed	No	4.12%
4-year	Fixed	Closed	No	4.03%
5-year	Fixed	Closed	No	3.90%
Safe at Home Variable Rate MortgageVariable · closed · conventional · 5-year term
5-year	Variable	Closed	No	4.70%Prime + 0.25%

Home equity line of credit

Product	Posted rate
Home Equity Line of Credit	4.45%Prime

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