About TransCanada Credit Union
TransCanada Credit Union is an employee-based, closed-bond credit union serving the extended TC Energy community. Founded in Toronto in 1958, it relocated to Calgary in 1990 — the first Canadian credit union to move to another province — and operates from a single office offering savings accounts, GICs, registered plans (TFSA/FHSA/RRSP/RRIF), mortgages and loans.
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Access: Membership required · Closed common bond
Eligible provinces: Alberta
How to join: Contact the Calgary office (403-920-2682); detailed eligibility criteria are not published on the site.
Notes: Precise bond boundaries (family members, contractors, out-of-province employees) not published on the site.
Deposit protection: Credit Union Deposit Guarantee Corporation (Alberta)
100% deposit guarantee; also the prudential supervisor under Alberta Treasury Board oversight
Current top rates
rates confirmed as of 2026-10-15| GIC ladder | Best rate |
|---|---|
| 1-year GIC | 3.30% |
| 2-year GIC | 3.35% |
| 3-year GIC | 3.35% |
| 4-year GIC | 3.35% |
| 5-year GIC | 3.35% |
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-regRRSPTFSAFHSA | N | — | At maturity | — | 3.30% |
| 2 years | Non-regRRSPTFSAFHSA | N | — | At maturity | — | 3.35% |
| 3 years | Non-regRRSPTFSAFHSA | N | — | At maturity | — | 3.35% |
| 4 years | Non-regRRSPTFSAFHSA | N | — | At maturity | — | 3.35% |
| 5 years | Non-regRRSPTFSAFHSA | N | — | At maturity | — | 3.35% |
No rates match these filters.
Savings & chequing rates
rates confirmed as of 2026-10-15Filter rates
| Type | Product | Calculated | Paid | Min. balance | Rate |
|---|---|---|---|---|---|
| TFSA | |||||
| TFSA | Savings Account | — | — | $0 | 0.50% |
| TFSA | Savings Account | — | — | $10,000 | 1.50% |
| FHSA | |||||
| FHSA | Savings Account | — | — | $0 | 0.50% |
| FHSA | Savings Account | — | — | $10,000 | 1.50% |
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 | 4.99% |
| 2-year | Fixed | Closed | No | 4.49% |
| 3-year | Fixed | Closed | No | 4.29% |
| 4-year | Fixed | Closed | No | 4.34% |
| 5-year | Fixed | Closed | No | 4.34% |
| 5-year | Variable | Closed | No | 4.55%Prime − 0.40% |
No mortgage rates match these filters.
Home equity line of credit
| Product | Posted rate |
|---|---|
| Home Equity Line of Credit | 6.45%Prime + 1.50% |
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