About Southwest Regional Credit Union
Southwest Regional Credit Union Ltd. is a member-owned, full-service credit union headquartered in Sarnia, Ontario, serving Lambton and Kent counties since 1939. It offers personal, business, and agricultural banking through branches in Sarnia, Wyoming, Corunna, and Wallaceburg, and is registered with Ontario's Financial Services Regulatory Authority.
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Access: Membership required · Open common bond
Eligible provinces: Ontario
How to join: Open a membership at a branch in Sarnia, Wyoming, Corunna, or Wallaceburg.
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 | 3.60% |
| 2-year GIC | 3.70% |
| 3-year GIC | 3.75% |
| 4-year GIC | 3.85% |
| 5-year GIC | 4.00% |
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 | Y | — | At maturity | — | 1.50% |
| 60 – 89 days | Non-reg | Y | — | At maturity | — | 1.75% |
| Long-term — 1 year + | ||||||
| 1 year | Non-regRRSPRESPRDSPRRIFTFSA | N | — | At maturity | — | 3.60% |
| 1 year | Non-regRRSPRESPRDSPRRIFTFSA | cashable | — | At maturity | — | 2.80% |
| 2 years | Non-regRRSPRESPRDSPRRIFTFSA | N | — | At maturity | — | 3.70% |
| 3 years | Non-regRRSPRESPRDSPRRIFTFSA | N | — | At maturity | — | 3.75% |
| 4 years | Non-regRRSPRESPRDSPRRIFTFSA | N | — | At maturity | — | 3.85% |
| 5 years | Non-regRRSPRESPRDSPRRIFTFSA | N | — | At maturity | — | 4.00% |
No rates match these filters.
Savings & chequing rates
rates confirmed as of 2026-10-15Filter rates
| Type | Product | Calculated | Paid | Min. balance | Rate |
|---|---|---|---|---|---|
| Savings | |||||
| Savings | CDN Savings Account | — | — | $0 | 0.25% |
| Savings | Savings Account | — | — | $1,000 | 1.00% |
| Savings | Savings Account | — | — | $10,000 | 1.30% |
| Savings | Savings Account | — | — | $25,000 | 1.60% |
| Savings | Savings Account | — | — | $50,000 | 1.80% |
| Savings | Savings Account | — | — | $100,000 | 2.00% |
| USD | USD Savings AccountUS$ | — | — | $0 | 0.05% |
| Chequing | |||||
| Chequing | Chequing Account | — | — | $1,000 | 1.00% |
| Chequing | Chequing Account | — | — | $10,000 | 1.30% |
| Chequing | Chequing Account | — | — | $25,000 | 1.60% |
| Chequing | Chequing Account | — | — | $50,000 | 1.80% |
| Chequing | Chequing Account | — | — | $100,000 | 2.00% |
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 | 7.99% |
| 1-year | Fixed | Closed | No | 4.89% |
| 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 | 4.49% |
| 6-month | Fixed | Convertible | No | 6.59% |
No mortgage rates match these filters.
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