Best Credit Union
HISA Rates in Toronto 2026
Compare high-interest savings account rates at credit unions serving Toronto. Deposits at Ontario credit unions are protected up to $250,000 per insured category by Financial Services Regulatory Authority of Ontario (FSRA).
12
credit unions headquartered in Toronto
$250,000 per insured category
deposit insurance coverage in Ontario
Verified
rates sourced from official credit union websites
HISA rates for Toronto residents
Toronto-headquartered credit unions first, then other Ontario options. Rates sourced directly from official websites.
Lighthouse Credit Union
Parama Credit Union Limited
Fort York Community Credit Union Limited
Luminus Financial Services & Credit Union Limited
Northern Birch Credit Union Limited
The Energy Credit Union Limited
Resurrection Credit Union Limited
Moya Financial Credit Union Limited
OP Credit Union
Italian Canadian Savings & Credit Union Limited
The Police Credit Union Limited
DUCA Financial Services
Korean Catholic Church Credit Union Limited
Equity Credit Union Inc.
Kawartha Credit Union Limited
Rates shown are for standard non-registered savings accounts. Most credit unions serving Toronto require Ontario residency or open-to-all membership; check eligibility before applying.
Deposit insurance for Toronto savers
Deposits at Ontario credit unions are protected up to $250,000 per insured category by Financial Services Regulatory Authority of Ontario (FSRA). This is a provincial system, entirely separate from the federal CDIC that covers bank deposits.
If your deposits exceed $250,000 per insured category, consider spreading balances across multiple credit unions or account categories to stay fully covered.
Full deposit insurance guideAt a glance
Looking beyond Toronto?
See every credit union serving Ontario, or compare HISA rates across the whole country.