Best Credit Union
GIC Rates in Oshawa 2026
Compare 1-year, 3-year, and 5-year guaranteed investment certificate rates at credit unions serving Oshawa. GIC deposits at Ontario credit unions are protected up to $250,000 per insured category by Financial Services Regulatory Authority of Ontario (FSRA).
100% safe
principal + interest guaranteed regardless of market conditions
$250,000 per insured category
deposit insurance coverage in Ontario
TFSA eligible
hold a GIC inside your TFSA for completely tax-free returns
Top GIC rates for Oshawa residents
Oshawa-headquartered credit unions first, then other Ontario options. Sorted by rate within each tier.
Most credit unions serving Oshawa require Ontario residency or open-to-all membership. Check eligibility before purchasing a GIC.
1-Year GIC Rates
All 1-Year GIC
Pathwise Credit Union Limited
Oshawa Community Credit Union
Korean Catholic Church Credit Union Limited
Thorold Community Credit Union
Southwest Regional Credit Union
Lighthouse Credit Union
Windsor Family Credit Union Limited
Equity Credit Union Inc.
Healthcare & Municipal Employees' Credit Union Limited
Talka Credit Union Limited
3-Year GIC Rates
All 3-Year GICPathwise Credit Union Limited
Oshawa Community Credit Union
Kindred Credit Union Limited
Kingston Community Credit Union
Meridian Credit Union
Healthcare & Municipal Employees' Credit Union Limited
Resurrection Credit Union Limited
Equity Credit Union Inc.
Southwest Regional Credit Union
Lighthouse Credit Union
5-Year GIC Rates
All 5-Year GICPathwise Credit Union Limited
Oshawa Community Credit Union
Healthcare & Municipal Employees' Credit Union Limited
Kingston Community Credit Union
Meridian Credit Union
Resurrection Credit Union Limited
Equity Credit Union Inc.
Kindred Credit Union Limited
Southwest Regional Credit Union
DUCA Financial Services
Rates shown are for standard non-redeemable GICs unless otherwise indicated. Always confirm the current rate directly with the credit union before purchasing.
Looking beyond Oshawa?
See every credit union serving Ontario, or compare GIC rates across the whole country.