Discover products that are different by design.

Your financial future is waiting! Open multiple accounts and apply for a lending product all at the same time.

Business application is also configured for this tenant.

Chequing and Savings
Most Popular

Chequing

The BCU chequing account offers unlimited cheque writing privileges. 

No fee monthly banking
Free transfers & e-transfers
Free online & mobile banking

Please select from the following account features:

Most Popular

Link Savings

1.25%

  Per Year

Link Savings is a high-interest BCU Link Internet Banking savings account offered exclusively online. 

High interest rate
Available exclusively online
No minimum monthly balance
Please select from the following account features:
1.25%

  Per Year

Most Popular

Savings

No fee monthly banking
Free transfers & e-transfers
Free online & mobile banking
Please select from the following account features:
Most Popular

US Savings

From 0.05%

  Per Year

If you travel south of the border or ever reside in warmer climates, take advantage of the U.S. Savings account. 

No fee monthly banking
Free online & mobile banking
Please select from the following account features:
From 0.05%

  Per Year

Most Popular

Trust Account

Test Trust

Please select from the following account features:

Loan
Most Popular

Personal Loan - Fully Secured

Based on BCU Prime Rate

A Personal Loan is a one-time lump sum loan for when you need to borrow a specific amount of money to make a large purchase such as buying a car, paying for a wedding, or taking that much-deserved vacation. You decide which interest of a personal loan is right for you – a fixed or variable interest rate. The interest rate you choose will determine your loan amortization period and your loan re-payment schedule.

How much would you like to apply for?

*up to $250,000

Term
Payment Frequency
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  • -- Select --
  • Weekly
  • Accelerated Weekly
  • Bi-Weekly
  • Accelerated Bi-Weekly
  • Semi-Monthly
  • Monthly
Will you be using this account to consolidate any existing debt?
Based on BCU Prime Rate
Mortgage
Most Popular

Special Offer - 5-year Insured Mortgages

From 4.39%

  Per Year

Take Advantage of BCU’s Mortgage Special!

Special rate for a short time only:

  • 5-year insured mortgages – 4.39%*
* Terms and conditions apply: 5-year closed terms only; conventional or insured; OAC; detailed terms and conditions available upon request. We reserve the right to change, extend, or withdraw this offer at any time. Rates are annual and subject to change. Offer valid from October 25, 2024.

Is this property an investment/Rental property?
From 4.39%

  Per Year

Most Popular

5-year conventional

4.59

  Per Year

5-year conventional

Is this property an investment/Rental property?
4.59

  Per Year

Investment
Most Popular

100 Day Special

4.10%

Don't wait too long! This Special deposit rate won't last forever!

Maturity Options help
When your term deposit expires, would you like it to renew into a similar term deposit or would you like it to deposit to one of your accounts?
keyboard_arrow_down
  • -- Select --
  • Automatically Renew
  • Deposit to Account
Interest Paid help
When we pay you interest on this term deposit, would you like it paid to the term deposit (compounding) or to one of your accounts (simple)?
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  • -- Select --
  • Account No
  • Back to the Term
4.10%
Most Popular

13 Month Special

3.60

Don't wait too long! THis special rate won't last!!

Maturity Options help
When your term deposit expires, would you like it to renew into a similar term deposit or would you like it to deposit to one of your accounts?
keyboard_arrow_down
  • -- Select --
  • Automatically Renew
  • Deposit to Account
Interest Paid help
When we pay you interest on this term deposit, would you like it paid to the term deposit (compounding) or to one of your accounts (simple)?
keyboard_arrow_down
  • -- Select --
  • Account No
  • Back to the Term
3.60
Most Popular

Term Deposit

A term deposit is one of the safest ways to invest your money. It is a short term investment for a fixed amount of time. For a minimum deposit of $1,000 you can choose a term ranging from 30 to 364 days. A term deposit always comes with a fixed interest rate which is locked in and guaranteed not to change during the term of your investment. The interest rate offered is generally higher than keeping your money in a savings account and is paid to you when the term has matured. 

Short term investment
Guaranteed interest rate
Safe way to invest
Term
keyboard_arrow_down
  • -- Select --
  • 1 Month
  • 2 Months
  • 3 Months
  • 4 Months
  • 5 Months
  • Special - 100-days
Maturity Options help
When your term deposit expires, would you like it to renew into a similar term deposit or would you like it to deposit to one of your accounts?
keyboard_arrow_down
  • -- Select --
  • Automatically Renew
  • Deposit to Account
Interest Paid help
When we pay you interest on this term deposit, would you like it paid to the term deposit (compounding) or to one of your accounts (simple)?
keyboard_arrow_down
  • -- Select --
  • Account No
  • Back to the Term
Most Popular

Guaranteed Investment Certificate (GIC)

A guaranteed Investment Certificate (GIC) is one of the safest ways to invest your money. It is a long term investment for a fixed amount of time. For a minimum deposit of $1,000 you can choose a term from one to five years. A GIC always comes with a fixed interest rate which is locked in and guaranteed not to change during the term of your investment. The interest rate offered is generally higher than a term deposit and is paid to you annually or when the term has matured.

Long term investment
Guaranteed interest rate
Safe way to invest
Term
keyboard_arrow_down
  • -- Select --
  • 1 Year
  • 2 Years
  • 3 Years
  • 4 Years
  • 5 Years
  • Special - 13 Months
Maturity Options help
When your term deposit expires, would you like it to renew into a similar term deposit or would you like it to deposit to one of your accounts?
keyboard_arrow_down
  • -- Select --
  • Automatically Renew
  • Deposit to Account
Interest Paid help
When we pay you interest on this term deposit, would you like it paid to the term deposit (compounding) or to one of your accounts (simple)?
keyboard_arrow_down
  • -- Select --
  • Account No
  • Back to the Term
  • Other
TFSA
Most Popular

TFSA - Term Deposit

A Tax-Free Savings Account (TFSA) is a registered savings plan available to Canadian residents 18 years and older with a valid Social Insurance Number. It allows your savings to grow without ever paying tax on the interest earned within your account. You can contribute a mix of savings and investments to your TSSFA, such as cash, GICs, stocks, bonds, and mutual funds. The Canada Revenue Agency sets the annual TFSA limit but if you have unused contribution room from previous years, you may be able to invest more.
The growth on your investment within a TFSA will not be taxed even when withdrawn from the plan. You can set up your TFSA in a number of different investment options, withdraw your funds at any time, and for any purpose.

Deposits Guaranteed
Do you have an existing tax-free savings account plan with BCU Financial?
Will this contribution be made to your existing plan?

* Note that your beneficiaries established on your existing plan will also apply to this account. If you wish to change your beneficiaries, you will need to visit your local branch following the processing of your application

Term
keyboard_arrow_down
  • -- Select --
  • 1-Month
  • 2-Month
  • 3-Month
  • 6-Month
  • 9-Month
  • Special - 100 Days
Maturity Options help
When your term deposit expires, would you like it to renew into a similar term deposit or would you like it to deposit to one of your accounts?
keyboard_arrow_down
  • -- Select --
  • Automatically Renew
  • Deposit to Account
Interest Paid help
When we pay you interest on this term deposit, would you like it paid to the term deposit (compounding) or to one of your accounts (simple)?
keyboard_arrow_down
  • -- Select --
  • Account No
  • Back to the Term
Most Popular

TFSA - GIC

A guaranteed Investment Certificate (GIC) is one of the safest ways to invest your money. It is a long term investment for a fixed amount of time. For a minimum deposit of $1,000 you can choose a term from one to five years. A GIC always comes with a fixed interest rate which is locked in and guaranteed not to change during the term of your investment. The interest rate offered is generally higher than a term deposit and is paid to you annually or when the term has matured. 

Deposits Guaranteed
Do you have an existing tax-free savings account plan with BCU Financial?
Will this contribution be made to your existing plan?

* Note that your beneficiaries established on your existing plan will also apply to this account. If you wish to change your beneficiaries, you will need to visit your local branch following the processing of your application

Term
Maturity Options help
When your term deposit expires, would you like it to renew into a similar term deposit or would you like it to deposit to one of your accounts?
keyboard_arrow_down
  • -- Select --
  • Automatically Renew
  • Deposit to Account
Interest Paid help
When we pay you interest on this term deposit, would you like it paid to the term deposit (compounding) or to one of your accounts (simple)?
keyboard_arrow_down
  • -- Select --
  • Account No
  • Back to the Term
FHSA
Most Popular

FHSA

Save for your first home with a FHSA!

Do you have an existing first home savings account plan with BCU Financial?
Will this contribution be made to your existing plan?

* Note that your beneficiaries established on your existing plan will also apply to this account. If you wish to change your beneficiaries, you will need to visit your local branch following the processing of your application

Term
keyboard_arrow_down
  • -- Select --
  • 1 Month
  • 2 Month
  • 3 Month
  • 6 Month
  • 9 Month
  • Special
Maturity Options help
When your term deposit expires, would you like it to renew into a similar term deposit or would you like it to deposit to one of your accounts?
keyboard_arrow_down
  • -- Select --
  • Automatically Renew
  • Deposit to Account
Interest Paid help
When we pay you interest on this term deposit, would you like it paid to the term deposit (compounding) or to one of your accounts (simple)?
keyboard_arrow_down
  • -- Select --
  • Account No
  • Back to the Term
Most Popular

FHSA - GIC

From 3.95%

  Per Year

A first home savings account (FHSA) is a registered plan allowing you, as a prospective first-time home buyer, to save for your first home tax-free (up to certain limits). You can open an FHSA starting April 1, 2023. Contributions to an FHSA are deductible from taxable income, like an RRSP, while income and gains are tax-free, like a TFSA.
The FHSA is a unique savings vehicle that is designed to help you save towards a down payment on your first home, unlike a TFSA which is used to save for a variety of unplanned expenses and big-ticket items, or an RRSP that is used to save for your retirement. The savings in your FHSA can only be used towards your first home purchase.

Do you have an existing retirement savings plan with BCU Financial?
Will this contribution be made to your existing plan?

* Note that your beneficiaries established on your existing plan will also apply to this account. If you wish to change your beneficiaries, you will need to visit your local branch following the processing of your application

Plan Type
Note: For spousal RSP applications, we need some basic information from the contributor (below). The spouse (annuitant) will need to complete the remainder of the application.
Contributor Date of Birth
keyboard_arrow_down
  • -- Select --
  • January
  • February
  • March
  • April
  • May
  • June
  • July
  • August
  • September
  • October
  • November
  • December
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  • -- Select --
  • 2026
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  • 1876
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  • 1873
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  • 1830
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  • 1827
  • 1826
Term
keyboard_arrow_down
  • -- Select --
  • 1-Year
  • 2-Year
  • 3-Year
  • 4-Year
  • 5-Year
  • 13 Month Special
Maturity Options help
When your term deposit expires, would you like it to renew into a similar term deposit or would you like it to deposit to one of your accounts?
keyboard_arrow_down
  • -- Select --
  • Automatically Renew
  • Deposit to Account
Interest Paid help
When we pay you interest on this term deposit, would you like it paid to the term deposit (compounding) or to one of your accounts (simple)?
keyboard_arrow_down
  • -- Select --
  • Account No
  • Back to the Term
From 3.95%

  Per Year

RRSP
Most Popular

RRSP - Term Deposit

A Registered Retirement Savings Plan (RRSP) is a savings plan that is registered with the Canadian Government with set maximum annual contribution limits. Contributions to your RRSP reduce your taxable income, which allows you to pay less tax now. Pre-tax money is placed into an RRSP and grows tax-free until you withdraw it, at which time it is taxed at the marginal rate. The income you earn is sheltered from tax, allowing it to grow faster. By the time you retire and withdraw funds, you will likely be in a lower tax bracket. 

Do you have an existing retirement savings plan with BCU Financial?
Will this contribution be made to your existing plan?

* Note that your beneficiaries established on your existing plan will also apply to this account. If you wish to change your beneficiaries, you will need to visit your local branch following the processing of your application

Plan Type
Note: For spousal RSP applications, we need some basic information from the contributor (below). The spouse (annuitant) will need to complete the remainder of the application.
Contributor Date of Birth
keyboard_arrow_down
  • -- Select --
  • January
  • February
  • March
  • April
  • May
  • June
  • July
  • August
  • September
  • October
  • November
  • December
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  • -- Select --
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  • -- Select --
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  • 1886
  • 1885
  • 1884
  • 1883
  • 1882
  • 1881
  • 1880
  • 1879
  • 1878
  • 1877
  • 1876
  • 1875
  • 1874
  • 1873
  • 1872
  • 1871
  • 1870
  • 1869
  • 1868
  • 1867
  • 1866
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  • 1864
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  • 1861
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  • 1858
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  • 1850
  • 1849
  • 1848
  • 1847
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  • 1845
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  • 1842
  • 1841
  • 1840
  • 1839
  • 1838
  • 1837
  • 1836
  • 1835
  • 1834
  • 1833
  • 1832
  • 1831
  • 1830
  • 1829
  • 1828
  • 1827
  • 1826
Term
keyboard_arrow_down
  • -- Select --
  • 1 Month
  • 2 Month
  • 3 Month
  • 6 Month
  • 9 Month
  • Special
Maturity Options help
When your term deposit expires, would you like it to renew into a similar term deposit or would you like it to deposit to one of your accounts?
keyboard_arrow_down
  • -- Select --
  • Automatically Renew
  • Deposit to Account
Interest Paid help
When we pay you interest on this term deposit, would you like it paid to the term deposit (compounding) or to one of your accounts (simple)?
keyboard_arrow_down
  • -- Select --
  • Account No
  • Back to the Term
  • Other
Most Popular

RRSP - GIC

From 3.95%

A Registered Retirement Savings Plan (RRSP) is a savings plan that is registered with the Canadian Government with set maximum annual contribution limits. Contributions to your RRSP reduce your taxable income, which allows you to pay less tax now. Pre-tax money is placed into an RRSP and grows tax-free until you withdraw it, at which time it is taxed at the marginal rate. The income you earn is sheltered from tax, allowing it to grow faster. By the time you retire and withdraw funds, you will likely be in a lower tax bracket. 

Do you have an existing retirement savings plan with BCU Financial?
Will this contribution be made to your existing plan?

* Note that your beneficiaries established on your existing plan will also apply to this account. If you wish to change your beneficiaries, you will need to visit your local branch following the processing of your application

Plan Type
Note: For spousal RSP applications, we need some basic information from the contributor (below). The spouse (annuitant) will need to complete the remainder of the application.
Contributor Date of Birth
keyboard_arrow_down
  • -- Select --
  • January
  • February
  • March
  • April
  • May
  • June
  • July
  • August
  • September
  • October
  • November
  • December
keyboard_arrow_down
  • -- Select --
  • 1
  • 2
  • 3
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  • 31
keyboard_arrow_down
  • -- Select --
  • 2026
  • 2025
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  • 1992
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  • 1990
  • 1989
  • 1988
  • 1987
  • 1986
  • 1985
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  • 1983
  • 1982
  • 1981
  • 1980
  • 1979
  • 1978
  • 1977
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  • 1975
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  • 1973
  • 1972
  • 1971
  • 1970
  • 1969
  • 1968
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  • 1966
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  • 1961
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  • 1894
  • 1893
  • 1892
  • 1891
  • 1890
  • 1889
  • 1888
  • 1887
  • 1886
  • 1885
  • 1884
  • 1883
  • 1882
  • 1881
  • 1880
  • 1879
  • 1878
  • 1877
  • 1876
  • 1875
  • 1874
  • 1873
  • 1872
  • 1871
  • 1870
  • 1869
  • 1868
  • 1867
  • 1866
  • 1865
  • 1864
  • 1863
  • 1862
  • 1861
  • 1860
  • 1859
  • 1858
  • 1857
  • 1856
  • 1855
  • 1854
  • 1853
  • 1852
  • 1851
  • 1850
  • 1849
  • 1848
  • 1847
  • 1846
  • 1845
  • 1844
  • 1843
  • 1842
  • 1841
  • 1840
  • 1839
  • 1838
  • 1837
  • 1836
  • 1835
  • 1834
  • 1833
  • 1832
  • 1831
  • 1830
  • 1829
  • 1828
  • 1827
  • 1826
Term
keyboard_arrow_down
  • -- Select --
  • 1 Year
  • 2 Year
  • 3 Year
  • 4 Year
  • 5 Year
  • Special
Maturity Options help
When your term deposit expires, would you like it to renew into a similar term deposit or would you like it to deposit to one of your accounts?
keyboard_arrow_down
  • -- Select --
  • Automatically Renew
  • Deposit to Account
Interest Paid help
When we pay you interest on this term deposit, would you like it paid to the term deposit (compounding) or to one of your accounts (simple)?
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  • Account No
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From 3.95%
RESP
Most Popular

RESP - GIC

From 3.95%

  Per Year

 
A Registered Education Savings Plan (RESP) is a tax-sheltered plan that helps you save for a child’s post-secondary education. The money you invest grows tax-deferred until the child enrolls in a qualifying post-secondary institution. The Canadian federal government provides additional financial contributions to your RESP in the form of grants. When a child withdraws from the RESP, income tax is applied only to the investment income and government grants. Income tax is not applied to the base contributions using your own funds. These amounts are taxed in the hands of the student, and this usually means the student pays little or no tax, because students typically fall into the lowest tax bracket while attending a post-secondary institution. 
 
All contributions made by one or more subscriber into RESPs for a particular beneficiary may not exceed $50,000 during the beneficiary’s lifetime. 
 

Do you have an existing retirement savings plan with BCU Financial?
Will this contribution be made to your existing plan?

* Note that your beneficiaries established on your existing plan will also apply to this account. If you wish to change your beneficiaries, you will need to visit your local branch following the processing of your application

Plan Type
Note: For spousal RSP applications, we need some basic information from the contributor (below). The spouse (annuitant) will need to complete the remainder of the application.
Contributor Date of Birth
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Term
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Maturity Options help
When your term deposit expires, would you like it to renew into a similar term deposit or would you like it to deposit to one of your accounts?
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  • Automatically Renew
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Interest Paid help
When we pay you interest on this term deposit, would you like it paid to the term deposit (compounding) or to one of your accounts (simple)?
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  • -- Select --
  • Account No
  • Back to the Term
From 3.95%

  Per Year