DUCA Financial GIC rates

Deposits issued by DUCA Financial Services Credit Union Ltd.

Credit Union

Visit DUCA Financial

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 Oct 9, 2026

Best rate

3.90%

today

Rates published

across 2 products

Terms

60 days – 7 years

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 required

Where 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 $1,000

Cashable term deposits from 20 to 80 months — far longer than most cashable GICs.

DUCA Registered GIC

Non-redeemable

1.50% – 3.90%

Terms 60 days – 7 years · min $1,000

Registered-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 75 offers

Your situation

Deposit amount

$5k

$10k

$25k

$50k

$100k

Account type

Term

Any term

Under 1 year

1 year

18 months

2 years

3 years

4 years

5 years

Over 5 years

Product

GIC type

Currency

Options

Unlimited coverage

Cashable early

Promos only

Any term

Under 1 year

1 year

18 months

2 years

3 years

4 years

5 years

Over 5 years

Account type

Deposit

Best rate in this view

3.90%

DUCA Registered GIC · 4 years

Rates published

Interest on $10,000

$1,560

over the 4 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.

Locking in for 5 years currently pays up to 0.65 points more than 1 year.

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 · TFSA · At maturity · min $1,000	4 years	3.90%	$11,654 +$1,654
DUCA Registered GIC Non-redeemable · RRSP · At maturity · min $1,000	4 years	3.90%	$11,654 +$1,654
DUCA Registered GIC Non-redeemable · RESP · At maturity · min $1,000	4 years	3.90%	$11,654 +$1,654
DUCA Registered GIC Non-redeemable · RRIF · At maturity · min $1,000	4 years	3.90%	$11,654 +$1,654
DUCA Registered GIC Non-redeemable · LIF · At maturity · min $1,000	4 years	3.90%	$11,654 +$1,654
DUCA Registered GIC Non-redeemable · TFSA · At maturity · min $1,000	5 years	3.85%	$12,079 +$2,079
DUCA Registered GIC Non-redeemable · TFSA · At maturity · min $1,000	7 years	3.85%	$13,027 +$3,027
DUCA Registered GIC Non-redeemable · RRSP · At maturity · min $1,000	5 years	3.85%	$12,079 +$2,079
DUCA Registered GIC Non-redeemable · RRSP · At maturity · min $1,000	7 years	3.85%	$13,027 +$3,027
DUCA Registered GIC Non-redeemable · RESP · At maturity · min $1,000	5 years	3.85%	$12,079 +$2,079
DUCA Registered GIC Non-redeemable · RESP · At maturity · min $1,000	7 years	3.85%	$13,027 +$3,027
DUCA Registered GIC Non-redeemable · RRIF · At maturity · min $1,000	5 years	3.85%	$12,079 +$2,079
DUCA Registered GIC Non-redeemable · RRIF · At maturity · min $1,000	7 years	3.85%	$13,027 +$3,027
DUCA Registered GIC Non-redeemable · LIF · At maturity · min $1,000	5 years	3.85%	$12,079 +$2,079
DUCA Registered GIC Non-redeemable · LIF · At maturity · min $1,000	7 years	3.85%	$13,027 +$3,027
DUCA Registered GIC Non-redeemable · TFSA · At maturity · min $1,000	2 years	3.70%	$10,754 +$754
DUCA Registered GIC Non-redeemable · TFSA · At maturity · min $1,000	3 years	3.70%	$11,152 +$1,152
DUCA Registered GIC Non-redeemable · RRSP · At maturity · min $1,000	2 years	3.70%	$10,754 +$754
DUCA Registered GIC Non-redeemable · RRSP · At maturity · min $1,000	3 years	3.70%	$11,152 +$1,152
DUCA Registered GIC Non-redeemable · RESP · At maturity · min $1,000	2 years	3.70%	$10,754 +$754
DUCA Registered GIC Non-redeemable · RESP · At maturity · min $1,000	3 years	3.70%	$11,152 +$1,152
DUCA Registered GIC Non-redeemable · RRIF · At maturity · min $1,000	2 years	3.70%	$10,754 +$754
DUCA Registered GIC Non-redeemable · RRIF · At maturity · min $1,000	3 years	3.70%	$11,152 +$1,152
DUCA Registered GIC Non-redeemable · LIF · At maturity · min $1,000	2 years	3.70%	$10,754 +$754
DUCA Registered GIC Non-redeemable · LIF · At maturity · min $1,000	3 years	3.70%	$11,152 +$1,152