About Talka Credit Union
Talka Lithuanian Credit Union Limited is an Ontario credit union incorporated March 22, 1955 by Hamilton's post-war Lithuanian community. Since 2012 it has operated as an open-bond credit union serving members of any heritage in the greater Hamilton area, offering savings, GICs, mortgages and loans, with assets that have grown past $200 million.
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Access: Membership required · Open common bond
Eligible provinces: Ontario
How to join: Open a membership at the Hamilton office; membership is no longer restricted by heritage.
Deposit protection: Financial Services Regulatory Authority of Ontario
prudential regulator + administers the Deposit Insurance Reserve Fund: unlimited on registered accounts, $250,000 non-registered; absorbed DICO in 2019
Current top rates
rates confirmed as of 2026-10-15| GIC ladder | Best rate |
|---|---|
| 1-year GIC | 3.20% |
| 2-year GIC | 3.30% |
| 3-year GIC | 3.40% |
| 4-year GIC | 3.75% |
| 5-year GIC | 3.60% |
Base ladder rates. Institution may have more term rates below.
Rate history builds here as we track this institution's rates over time.
Term deposit rates
— not stated on siterates confirmed as of 2026-10-15Filter rates
| Term | Registration | Redeemable | Compounding | Interest paid | Min–Max deposit | Rate |
|---|---|---|---|---|---|---|
| Short-term — under 1 year | ||||||
| 30–364 days | Non-regRRSPRRIFTFSA | N | — | At maturity | — | 1.80% |
| Long-term — 1 year + | ||||||
| 1 year | Non-regRRSPRRIFTFSA | N | — | At maturity | — | 3.20% |
| 1 year | Non-regTFSA | cashable | — | At maturity | — | 2.50% |
| 2 years | Non-regRRSPRRIFTFSA | N | — | At maturity | — | 3.30% |
| 3 years | Non-regRRSPRRIFTFSA | N | — | At maturity | — | 3.40% |
| 4 years | Non-regRRSPRRIFTFSA | N | — | At maturity | — | 3.75% |
| 5 years | Non-regRRSPRRIFTFSA | N | — | At maturity | — | 3.60% |
| U.S. dollar — all terms | ||||||
| 30–364 days | Non-reg | N | — | At maturity | — | 1.75% |
| 1 year | Non-reg | N | — | At maturity | — | 3.75% |
| 2 years | Non-reg | N | — | At maturity | — | 3.50% |
| 3 years | Non-reg | N | — | At maturity | — | 3.40% |
| 4 years | Non-reg | N | — | At maturity | — | 3.65% |
| 5 years | Non-reg | N | — | At maturity | — | 3.70% |
No rates match these filters.
Savings & chequing rates
rates confirmed as of 2026-10-15Filter rates
| Type | Product | Calculated | Paid | Min. balance | Rate |
|---|---|---|---|---|---|
| Savings | |||||
| Savings | Daily Int. Savings | — | — | — | 0.15% |
| Savings | High-Interest Savings Account | — | — | — | 1.25% |
| Savings | Savings | — | — | — | 0.15% |
| USD | USD Daily interest SavingsUS$ | — | — | — | 0.25% |
| EUR | EURO Daily interest Savings€ | — | — | — | 0.25% |
| Chequing | |||||
| Chequing | Daily Chequing Accounts | — | — | $0 | 0.00% |
| Chequing | Daily Chequing Accounts | — | — | $5,000 | 0.10% |
| Chequing | Daily Chequing Accounts | — | — | $10,000 | 0.15% |
| RRSP | |||||
| RRSP | RRIF & RRIF Variable Savings | — | — | — | 1.25% |
| RRIF | |||||
| RRIF | RRIF & RRIF Variable Savings | — | — | — | 1.25% |
| TFSA | |||||
| TFSA | TFSA Variable Savings | — | — | — | 1.25% |
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 | Closed | No | 5.00% |
| 2-year | Fixed | Closed | No | 4.90% |
| 3-year | Fixed | Closed | No | 4.65% |
| 4-year | Fixed | Closed | No | 4.60% |
| 5-year | Fixed | Closed | No | 4.60% |
No mortgage rates match these filters.
Home equity line of credit
| Product | Posted rate |
|---|---|
| Home Equity Line of Credit (HELOC) | 5.20% |
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