DUCA Credit Union GIC rates compared
DUCA Credit Union's best posted rate is 3.85% on a 5-year term. The best rate available in Canada for that term is 4.30%, from WealthONE Bank of Canada. Both are covered, DUCA Credit Union by FSRA.
Get DUCA GICsHow do DUCA Credit Union's GIC rates compare to the best in Canada?
On a 5-year term DUCA Credit Union posts 3.85% against 4.30% from WealthONE Bank of Canada, the best we track. Every term it publishes is compared the same way below.
| Term | DUCA Credit Union | Best in Canada | Gap | Leader |
|---|---|---|---|---|
| 1-year | 3.10% | 3.70% | −0.60 pts | WealthONE Bank of Canada |
| 2-year | 3.45% | 3.95% | −0.50 pts | WealthONE Bank of Canada |
| 3-year | 3.60% | 4.05% | −0.45 pts | WealthONE Bank of Canada |
| 4-year | 3.70% | 4.10% | −0.40 pts | WealthONE Bank of Canada |
| 5-year | 3.85% | 4.30% | −0.45 pts | WealthONE Bank of Canada |
Is DUCA Credit Union's GIC covered by FSRA?
Yes, though not by CDIC. DUCA Credit Union is a credit union regulated in Ontario, so its deposits are protected to $250,000 by the Financial Services Regulatory Authority of Ontario rather than to CDIC's $100,000.
Ontario. Eligible deposits in registered accounts are covered without limit; non-registered deposits are covered to $250,000.
Where do these DUCA Credit Union rates come from?
Directly from DUCA Credit Union's own posted rate page at duca.com, read by hand on 2026-09-06. DUCA Credit Union does not date its posted rates, so the read date is the only currency guarantee available.
All 12 terms DUCA Credit Union posts were captured in that read. No aggregator, no feed, no affiliate link.
DUCA Credit Union's posted rates on duca.comHow we collect and check ratesWho should buy a GIC from DUCA Credit Union?
People who already bank at DUCA Credit Union, mostly. It does not lead any term we track, so what is left is the convenience of not moving money, priced below.
Common questions about DUCA Credit Union GICs
What is DUCA Credit Union's minimum GIC deposit?
$500. Published minimums across the 23 institutions that state one run $100 to $1,000.
Does DUCA Credit Union have the best GIC rate in Canada?
Not on a 5-year term. DUCA Credit Union posts 3.85% there, against 4.30% from WealthONE Bank of Canada: a gap of 0.45 points on the same term, for the same non-redeemable product. The table above runs the same comparison across all 5 terms.
Which GIC terms does DUCA Credit Union offer?
12 terms are posted on duca.com, from 32–59 day to 7 year. The comparison table above covers the 5 annual terms where enough issuers publish a rate for a market comparison to mean anything.
Does DUCA Credit Union pay GIC interest monthly?
DUCA Credit Union does not post a separate interest-paid-monthly rate on duca.com, so we do not publish one. Where an issuer posts one it is always lower than the compounding rate, which makes it worth asking before you choose monthly income.
Are these DUCA Credit Union rates promotional?
No. These are DUCA Credit Union's standard posted rates, read from duca.com on 2026-09-06. DUCA Credit Union does not date its posted rates, so that read date is the only currency guarantee available here. Limited-time promotions are noted separately rather than used to move an institution up the ranking.
How we collect and check ratesWhat would DUCA Credit Union's 4-year rate pay on your deposit?
On $50,000 it pays $7,821 in interest over the full term. Change the amount to see what that becomes on yours, then compare it against the leader.
Get next month's rates by email
One email a month with the best verified rate for every term, read off 28 issuers' own pages the same way every rate on this site is.
Independent and unaffiliated. Rates are read from DUCA Credit Union's own posted page at duca.com and may change without notice. Educational information only, not financial advice. Published by Croton Holdings LLC. Corrections to daniel@crotoncontent.com.