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DUCA Financial GIC rates
Deposits issued by DUCA Financial Services Credit Union Ltd.Credit Union
An Ontario credit union whose Flex GIC range stays cashable across unusually long terms.
Rates verified nightly
· re-checked against DUCA Financial's own site
· last check Aug 25, 2026
Best rate
3.45%
todayRates published
11
across 2 productsTerms
60 days – 80 months
Minimum deposit
$1,000
At a glance
Deposit protection
$250,000
FSRA (Ontario credit unions) · insured under DUCA Financial Services Credit Union Ltd.How to buy
Online, Branch, Phone
Membership requiredWhere it's available
Ontario
Good to know
FSRA insures deposits at Ontario credit unions up to $250,000 for non-registered deposits; deposits in registered plans are insured in full with no limit.
Membership is open to Ontario residents.
GIC products from DUCA Financial
Every GIC DUCA Financial currently offers, with the rate range each one pays.
DUCA Flex GIC
Cashable
3.00% – 3.25%
Terms 20 months – 80 months · min $1,000Cashable term deposits from 20 to 80 months — far longer than most cashable GICs.
DUCA Registered GIC
1.50% – 3.45%
Terms 60 days – 2 years · min $1,000Registered-plan terms from 60 days to 2 years and beyond.
DUCA Financial rate table
Filter by account type, term and deposit — every number below is from the published rate table.
Filter 11 offers
All account types
Any term
All GIC types
$
Canadian dollars
Best rate in this view
3.45%
DUCA Registered GIC · 2 years
Rates published
11
Interest on $10,000
$690
over the 2 years term
How rates change with term length
Each line is one institution's best posted rate at that term — the 1 most competitive in this view.
DUCA Financial
Every published rate
Projected value assumes a $10,000 deposit held to maturity. GICs that pay interest out monthly or annually are shown with simple interest; only compounding terms accrue on themselves.
| Product | Term | Rate | Value on $10,000 | |
|---|---|---|---|---|
DUCA Registered GIC Non-redeemable · Registered · Annual · min $1,000 | 2 years | 3.45% | $10,690 +$690 | |
DUCA Flex GIC Cashable · Annual · min $1,000 | 80 months | 3.25% | $12,167 +$2,167 | |
DUCA Registered GIC Non-redeemable · Registered · Annual · min $1,000 | 18 months | 3.25% | $10,488 +$488 | |
DUCA Flex GIC Cashable · Annual · min $1,000 | 50 months | 3.10% | $11,292 +$1,292 | |
DUCA Registered GIC Non-redeemable · Registered · Annual · min $1,000 | 1 year | 3.10% | $10,310 +$310 | |
DUCA Flex GIC Cashable · Annual · min $1,000 | 30 months | 3.05% | $10,763 +$763 | |
DUCA Flex GIC Cashable · Annual · min $1,000 | 40 months | 3.05% | $11,017 +$1,017 | |
DUCA Flex GIC Cashable · Annual · min $1,000 | 20 months | 3.00% | $10,500 +$500 | |
DUCA Registered GIC Non-redeemable · Registered · Annual · min $1,000 | 180 days | 2.450% | $10,123 +$123 | |
DUCA Registered GIC Non-redeemable · Registered · Annual · min $1,000 | 180 days | 2.40% | $10,120 +$120 | |
DUCA Registered GIC Non-redeemable · Registered · Annual · min $1,000 | 60 days | 1.50% | $10,025 +$25 |