About Sydney Credit Union
Sydney Credit Union is a member-owned Nova Scotia credit union founded November 16, 1935 by residents of Sydney, Cape Breton. Following the January 1, 2024 amalgamation of North Sydney Credit Union into it, it serves over 13,000 members with more than $350 million in assets through four branches, offering personal and business banking, mortgages, loans and financial planning.
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Access: Membership required · Open common bond
Eligible provinces: Nova Scotia
How to join: Open an account online via the Join Us page or at a branch, which makes you a member-owner.
Deposit protection: Nova Scotia Credit Union Deposit Insurance Corporation
up to $250,000
Current top rates
rates confirmed as of 2026-10-16| GIC ladder | Best rate |
|---|---|
| 1-year GIC | 3.30% |
| 2-year GIC | 3.60% |
| 3-year GIC | 3.75% |
| 4-year GIC | 3.90% |
| 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 2026-10-16Filter rates
| Term | Registration | Redeemable | Compounding | Interest paid | Min–Max deposit | Rate |
|---|---|---|---|---|---|---|
| Long-term — 1 year + | ||||||
| 1 year | Non-regRRSPRRIFTFSA | N | — | At maturity | — | 3.30% |
| 2 years | Non-regRRSPRRIFTFSA | N | — | At maturity | — | 3.60% |
| 3 years | Non-regRRSPRRIFTFSA | N | — | At maturity | — | 3.75% |
| 4 years | Non-regRRSPRRIFTFSA | N | — | At maturity | — | 3.90% |
| 5 years | Non-regRRSPRRIFTFSA | N | — | At maturity | — | 4.00% |
| ReedemableRedeemable · paid at maturity | ||||||
| 1 year | Non-reg | Y | — | At maturity | — | 1.50% |
No rates match these filters.
Savings & chequing rates
rates confirmed as of 2026-10-16Filter rates
| Type | Product | Calculated | Paid | Min. balance | Rate |
|---|---|---|---|---|---|
| Savings | |||||
| Savings | Your Savings | — | — | $1 | 0.05% |
| Savings | Your Savings | — | — | $25,000 | 0.10% |
| Savings | Your Savings | — | — | $100,000 | 0.30% |
| HISA | Your HISA | — | — | $0 | 0.75% |
| RRSP | |||||
| RRSP | Variable RRSPs/RRIFs - All Balances | — | — | $0 | 0.75% |
| RRIF | |||||
| RRIF | Variable RRSPs/RRIFs - All Balances | — | — | $0 | 0.75% |
| TFSA | |||||
| TFSA | Your HISA TFSA (Tax Free Savings Account) | — | — | $0 | 0.65% |
No rates match these filters.
Mortgage rates
Highlighted rows are promo ratesrates confirmed as of 2026-10-16Filter rates
| Term | Type | Open / closed | Insured | Posted rate |
|---|---|---|---|---|
| 6-month | Fixed | Open | No | 9.30% |
| 6-month | Fixed | Closed | No | 7.80% |
| 1-year | Fixed | Closed | No | 7.30% |
| 2-year | Fixed | Closed | No | 7.20% |
| 3-year | Fixed | Closed | No | 7.10% |
| 4-year | Fixed | Closed | No | 7.00% |
| 5-year | Fixed | Closed | No | 6.90% |
| Special ALAFixed · closed · conventional · 5-year term | ||||
| 5-year | Fixed | Closed | No | 4.90% |
No mortgage rates match these filters.
Home equity line of credit
| Product | Posted rate |
|---|---|
| $10,000 + MeritLine Secured | 5.95%Prime + 1.50% |
| $10,000 + MeritLine Unsecured | 6.45%Prime + 2.00% |
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