Overview
No detailed description available.
Branches
7
Current Rates
Verified (Official Source)· Last checked Apr 16, 2026 (2d ago)
High Interest Savings1.25%up to
1-Year GIC2.50%
3-Year GIC2.80%
5-Year Fixed Mortgage6.39%
GIC Rate Ladder
| Term | Rate |
|---|---|
| 1-Year GIC | 2.50% |
| 3-Year GIC | 2.80% |
| 5-Year GIC | 3.00% |
Pros
- • Solid savings rate of 1.25%
- • Surcharge-free ATM access through THE EXCHANGE Network
- • Open to all Canadians — easy to join
- • Full wealth management and investment services available
Cons
- • Mortgage rates above market average (6.39% 5yr fixed)
- • Limited digital banking features compared to larger institutions
Best For
Residents of NS looking for a local banking alternativeMembers wanting full-service banking with investment options
Products & Accounts
Chequing
Savings
GICs
RRSP
TFSA
RRIF
Mortgages
Personal Loans
Credit Cards
Business
Investments
Insurance
Membership Eligibility
StatusRestricted
Requirements:
Nova Scotia residents
Open to residents of Nova Scotia. Membership requires purchase of a membership share.
Membership Share (Fee)$5 share purchase
Deposit Protection
Insuring Body
NSCUDIC
Coverage Limit
$250,000 per category
Nova Scotia Credit Union Deposit Insurance Corporation (NSCUDIC) protects deposits up to $250,000 per eligible category.
Digital & Access
- Mobile App
- Online Banking
- Interac e-Transfer
- ATM NetworkTHE EXCHANGE Network
- Digital Ratingfair
About This Data
Rate and eligibility data is gathered from official credit union websites and verified comparison sources. Always verify rates directly on the official website before making financial decisions.
Official Website