Lenders
DUCA
DUCA is recorded in this encyclopedia as a credit union operating Ontario, primarily Southern Ontario, and it deals with borrowers directly and through mortgage brokers.
| Type | credit union |
|---|---|
| Operates | Ontario, primarily Southern Ontario |
| Head office province | Ontario |
| Website | https://www.duca.com |
| Publishes rates | Yes. Its published rates are in the mortgage rates section. |
| Channel | both |
Published rates held for this lender
94 published rate rows in this capture were printed under this lender's own name, drawn from its own rate sheet and from the mortgage sweep. They are the same rows that appear in the mortgage rates record, gathered here so the lender's prices can be read beside its record.
| Product | Term or type | Published rate or fee | Conditions as published | Source | As of |
|---|---|---|---|---|---|
| GIC | 1 Year GIC (non-redeemable, Non-Registered Term Deposits) | 3.40% | Non-Redeemable | Non-Registered Term Deposits | Rates | |
| GIC | 1 Year GIC (non-redeemable, TFSA / RRSP / RESP / RRIF / LIRA Term Deposits) | 3.40% | Non-Redeemable | TFSA / RRSP / RESP / RRIF / LIRA Term Deposits | Rates | |
| GIC | 1 Year GIC (redeemable, Non-Registered Term Deposits) | 2.80% | Redeemable | Non-Registered Term Deposits | Rates | |
| GIC | 18 Month GIC (non-redeemable, Non-Registered Term Deposits) | 3.85% | Non-Redeemable | Non-Registered Term Deposits | Rates | |
| GIC | 18 Month GIC (non-redeemable, TFSA / RRSP / RESP / RRIF / LIRA Term Deposits) | 3.25% | Non-Redeemable | TFSA / RRSP / RESP / RRIF / LIRA Term Deposits | Rates | |
| GIC | 180-364 Day GIC (non-redeemable, Non-Registered Term Deposits) | 2.40% | Non-Redeemable | Non-Registered Term Deposits | Rates | |
| GIC | 180-364 Day GIC (non-redeemable, TFSA / RRSP / RESP / RRIF / LIRA Term Deposits) | 2.40% | Non-Redeemable | TFSA / RRSP / RESP / RRIF / LIRA Term Deposits | Rates | |
| GIC | 180-364 Day GIC (redeemable, Non-Registered Term Deposits) | 1.75% | Redeemable | Non-Registered Term Deposits | Rates | |
| GIC | 2 Year GIC (non-redeemable, Non-Registered Term Deposits) | 3.80% | Non-Redeemable | Non-Registered Term Deposits | Rates | |
| GIC | 2 Year GIC (non-redeemable, TFSA / RRSP / RESP / RRIF / LIRA Term Deposits) | 3.80% | Non-Redeemable | TFSA / RRSP / RESP / RRIF / LIRA Term Deposits | Rates | |
| GIC | 2 Year GIC (redeemable, Non-Registered Term Deposits) | 3.20% | Redeemable | Non-Registered Term Deposits | Rates | |
| GIC | 3 Month (90 day) GIC (non-redeemable, Non-Registered Term Deposits) | 4.40% | Non-Redeemable | Non-Registered Term Deposits | Rates | |
| GIC | 3 Year GIC (non-redeemable, Non-Registered Term Deposits) | 3.90% | Non-Redeemable | Non-Registered Term Deposits | Rates | |
| GIC | 3 Year GIC (non-redeemable, TFSA / RRSP / RESP / RRIF / LIRA Term Deposits) | 3.90% | Non-Redeemable | TFSA / RRSP / RESP / RRIF / LIRA Term Deposits | Rates | |
| GIC | 3 Year GIC (redeemable, Non-Registered Term Deposits) | 3.30% | Redeemable | Non-Registered Term Deposits | Rates | |
| GIC | 32-59 Day GIC (non-redeemable, Non-Registered Term Deposits) | 1.25% | Non-Redeemable | Non-Registered Term Deposits | Rates | |
| GIC | 4 Year GIC (non-redeemable, Non-Registered Term Deposits) | 4.10% | Non-Redeemable | Non-Registered Term Deposits | Rates | |
| GIC | 4 Year GIC (non-redeemable, TFSA / RRSP / RESP / RRIF / LIRA Term Deposits) | 4.10% | Non-Redeemable | TFSA / RRSP / RESP / RRIF / LIRA Term Deposits | Rates | |
| GIC | 4 Year GIC (redeemable, Non-Registered Term Deposits) | 3.50% | Redeemable | Non-Registered Term Deposits | Rates | |
| GIC | 5 Year GIC (non-redeemable, Non-Registered Term Deposits) | 4.20% | Non-Redeemable | Non-Registered Term Deposits | Rates | |
| GIC | 5 Year GIC (non-redeemable, TFSA / RRSP / RESP / RRIF / LIRA Term Deposits) | 4.20% | Non-Redeemable | TFSA / RRSP / RESP / RRIF / LIRA Term Deposits | Rates | |
| GIC | 5 Year GIC (redeemable, Non-Registered Term Deposits) | 3.60% | Redeemable | Non-Registered Term Deposits | Rates | |
| GIC | 6 Month (180 day) GIC (non-redeemable, Non-Registered Term Deposits) | 2.50% | Non-Redeemable | Non-Registered Term Deposits | Rates | |
| GIC | 6 Month (180 day) GIC (non-redeemable, TFSA / RRSP / RESP / RRIF / LIRA Term Deposits) | 2.50% | Non-Redeemable | TFSA / RRSP / RESP / RRIF / LIRA Term Deposits | Rates | |
| GIC | 60-179 Day GIC (non-redeemable, Non-Registered Term Deposits) | 1.50% | Non-Redeemable | Non-Registered Term Deposits | Rates | |
| GIC | 60-179 Day GIC (non-redeemable, TFSA / RRSP / RESP / RRIF / LIRA Term Deposits) | 1.50% | Non-Redeemable | TFSA / RRSP / RESP / RRIF / LIRA Term Deposits | Rates | |
| GIC | 7 Year GIC (non-redeemable, Non-Registered Term Deposits) | 4.25% | Non-Redeemable | Non-Registered Term Deposits | Rates | |
| GIC | 7 Year GIC (non-redeemable, TFSA / RRSP / RESP / RRIF / LIRA Term Deposits) | 4.25% | Non-Redeemable | TFSA / RRSP / RESP / RRIF / LIRA Term Deposits | Rates | |
| GIC | 7 Year GIC (redeemable, Non-Registered Term Deposits) | 3.65% | Redeemable | Non-Registered Term Deposits | Rates | |
| GIC | Flex20 month GIC (cashable, Non-Registered / TFSA / RRSP / RRIF / LIRA Term Deposits) | 3.00% | Cashable | Non-Registered / TFSA / RRSP / RRIF / LIRA Term Deposits | Rates | |
| GIC | Flex30 month GIC (cashable, Non-Registered / TFSA / RRSP / RRIF / LIRA Term Deposits) | 3.05% | Cashable | Non-Registered / TFSA / RRSP / RRIF / LIRA Term Deposits | Rates | |
| GIC | Flex40 month GIC (cashable, Non-Registered / TFSA / RRSP / RRIF / LIRA Term Deposits) | 3.05% | Cashable | Non-Registered / TFSA / RRSP / RRIF / LIRA Term Deposits | Rates | |
| GIC | Flex50 month GIC (cashable, Non-Registered / TFSA / RRSP / RRIF / LIRA Term Deposits) | 3.10% | Cashable | Non-Registered / TFSA / RRSP / RRIF / LIRA Term Deposits | Rates | |
| GIC | Flex80 month GIC (cashable, Non-Registered / TFSA / RRSP / RRIF / LIRA Term Deposits) | 3.25% | Cashable | Non-Registered / TFSA / RRSP / RRIF / LIRA Term Deposits | Rates | |
| HELOC | HELOC | 5.20% | Prime + 0.50% | Best Canada HELOC Rates - 4.45% | WOWA.ca | As of November 14th, 2026 |
| HELOC | HELOC (variable) | 5.20% (Prime + 0.50%) | Rates may be public lender rates, lender-submitted rates, or broker-sourced rates. Broker-sourced rates may not be available directly from the lender. HELOC rates are variable interest rates that are based on your lender's prime rate. Minimum monthly payment is estimated as an interest-only payment based on the drawn HELOC amount. | Best Canada HELOC Rates - 4.45% | WOWA.ca | 2026-11-14 |
| HELOC | PrimeLine Line of Credit - Secured - Owner Occupied Residential Real Estate | 5.20% | PrimeLine Line of Credit | Rates | |
| Mortgage | 1 Year (Open) | 9.99% | First Rate 2nd Mortgage; DUCA's Prime Rate: 4.70% | Rates | |
| Mortgage | 1 Year (Open) | 9.99% | Co-op and Co-ownership Mortgage; DUCA's Prime Rate: 4.70% | Rates | |
| Mortgage | 1 Year Fixed Closed | 5.14% | Low Rate Mortgage (Insured High Ratio); DUCA's Prime Rate: 4.70% | Rates | |
| Mortgage | 1 Year Fixed Closed | 5.84% | First Rate 2nd Mortgage; DUCA's Prime Rate: 4.70% | Rates | |
| Mortgage | 1 Year Fixed Closed | 6.24% | Co-op and Co-ownership Mortgage; DUCA's Prime Rate: 4.70% | Rates | |
| Mortgage | 2 Year Fixed Closed | 5.04% | Low Rate Mortgage (Insured High Ratio); DUCA's Prime Rate: 4.70% | Rates | |
| Mortgage | 2 Year Fixed Closed | 5.74% | First Rate 2nd Mortgage; DUCA's Prime Rate: 4.70% | Rates | |
| Mortgage | 2 Year Fixed Closed | 6.14% | Co-op and Co-ownership Mortgage; DUCA's Prime Rate: 4.70% | Rates | |
| Mortgage | 3 Year Adjustable Rate Mortgage | 4.20% | Low Rate Mortgage (Insured High Ratio); DUCA's Prime Rate: 4.70% | Rates | |
| Mortgage | 3 Year Adjustable Rate Mortgage | 5.35% | First Rate 2nd Mortgage; DUCA's Prime Rate: 4.70% | Rates | |
| Mortgage | 3 Year Fixed Closed | 4.49% | Low Rate Mortgage (Insured High Ratio); DUCA's Prime Rate: 4.70% | Rates | |
| Mortgage | 3 Year Fixed Closed | 4.79% | First Rate 2nd Mortgage; DUCA's Prime Rate: 4.70% | Rates | |
| Mortgage | 3 Year Fixed Closed | 5.19% | Co-op and Co-ownership Mortgage; DUCA's Prime Rate: 4.70% | Rates | |
| Mortgage | 3 Year Variable Rate | 4.70% | Low Rate Mortgage (Insured High Ratio); DUCA's Prime Rate: 4.70% | Rates | |
| Mortgage | 3 Year Variable Rate | 5.50% | First Rate 2nd Mortgage; DUCA's Prime Rate: 4.70% | Rates | |
| Mortgage | 3-year fixed (insured) | 4.49% | fixed rate via a credit union channel, as published by the source. | WOWA: Best Mortgage Rates in Canada | 2026-11-13 |
| Mortgage | 4 Year Fixed Closed | 4.69% | Low Rate Mortgage (Insured High Ratio); DUCA's Prime Rate: 4.70% | Rates | |
| Mortgage | 4 Year Fixed Closed | 5.39% | First Rate 2nd Mortgage; DUCA's Prime Rate: 4.70% | Rates | |
| Mortgage | 4 Year Fixed Closed | 5.79% | Co-op and Co-ownership Mortgage; DUCA's Prime Rate: 4.70% | Rates | |
| Mortgage | 5 Year Adjustable Rate Mortgage | 3.75% | Low Rate Mortgage (Insured High Ratio); DUCA's Prime Rate: 4.70% | Rates | |
| Mortgage | 5 Year Adjustable Rate Mortgage | 5.10% | First Rate 2nd Mortgage; DUCA's Prime Rate: 4.70% | Rates | |
| Mortgage | 5 Year Fixed Closed | 4.39% | Low Rate Mortgage (Insured High Ratio); DUCA's Prime Rate: 4.70% | Rates | |
| Mortgage | 5 Year Fixed Closed | 5.09% | First Rate 2nd Mortgage; DUCA's Prime Rate: 4.70% | Rates | |
| Mortgage | 5 Year Fixed Closed | 5.49% | Co-op and Co-ownership Mortgage; DUCA's Prime Rate: 4.70% | Rates | |
| Mortgage | 5 Year Variable Rate | 4.45% | Low Rate Mortgage (Insured High Ratio); DUCA's Prime Rate: 4.70% | Rates | |
| Mortgage | 5 Year Variable Rate | 5.25% | First Rate 2nd Mortgage; DUCA's Prime Rate: 4.70% | Rates | |
| Mortgage | 5-year fixed (insured) | 4.39% | fixed rate via a credit union channel, as published by the source. | WOWA: Best 5-Year Fixed Mortgage Rates in Canada | 2026-11-13 |
| Mortgage | 6 Month (Convertible) | 9.99% | First Rate 2nd Mortgage; DUCA's Prime Rate: 4.70% | Rates | |
| Mortgage | 6 Month (Convertible) | 9.99% | Co-op and Co-ownership Mortgage; DUCA's Prime Rate: 4.70% | Rates | |
| Mortgage | 6 Months Convertible | 9.99% | Low Rate Mortgage (Insured High Ratio); DUCA's Prime Rate: 4.70% | Rates | |
| Personal loan | New Car Loan - 1 Year | 7.50% | New Car Loan | Rates | |
| Personal loan | New Car Loan - 2 Year | 7.60% | New Car Loan | Rates | |
| Personal loan | New Car Loan - 3 Year | 7.25% | New Car Loan | Rates | |
| Personal loan | New Car Loan - 4 Year | 6.90% | New Car Loan | Rates | |
| Personal loan | New Car Loan - 5 Year | 6.90% | New Car Loan | Rates | |
| Personal loan | New Car Loan - Variable Rate - 5 Year Max | 7.19% | New Car Loan | Rates | |
| Personal loan | RRSP Loan - 1 Year Variable | 5.20% | RRSP Loan | Rates | |
| Personal loan | RRSP Loan - 2 Year Variable | 5.70% | RRSP Loan | Rates | |
| Personal loan | RRSP Loan - 3 Year Variable | 6.20% | RRSP Loan | Rates | |
| Savings account | Aim For More Savings (interest paid semi-annually) | 0.05% | Savings Accounts | Rates | |
| Savings account | Blue Chip Business Savings (interest paid semi-annually) | 0.05% | Savings Accounts | Rates | |
| Savings account | Built for More Business Chequing (interest paid monthly) | 2.25% | High Interest Accounts | Rates | |
| Savings account | Charity Savings (interest paid semi-annually) | 0.05% | Savings Accounts | Rates | |
| Savings account | Children's Savings (interest paid semi-annually) | 0.10% | Savings Accounts | Rates | |
| Savings account | Daylight Savings (interest paid semi-annually) | 0.05% | Savings Accounts | Rates | |
| Savings account | Earn More RRSP/RRIF/RESP (interest paid monthly) | 0.25% | High Interest Accounts | Rates | |
| Savings account | Earn More Savings Account (interest paid monthly) | 0.25% | High Interest Accounts | Rates | |
| Savings account | Earn More Savings Business Account (interest paid monthly) | 0.25% | High Interest Accounts | Rates | |
| Savings account | Earn More TFSA (interest paid monthly) | 0.25% | High Interest Accounts | Rates | |
| Savings account | Euro Account (interest paid quarterly, €1,000-€9,999) | 0.00% | Foreign Currency Accounts | Rates | |
| Savings account | Euro Account (interest paid quarterly, €10,000+) | 0.00% | Foreign Currency Accounts | Rates | |
| Savings account | Evermore Premium Savings (interest paid semi-annually) | 0.05% | Savings Accounts | Rates | |
| Savings account | Feel Free Savings (interest paid semi-annually) | 0.05% | Savings Accounts | Rates | |
| Savings account | Rise Chequing (interest paid monthly) | 2.00% | High Interest Accounts | Rates | |
| Savings account | Start Me Up Business Savings (interest paid semi-annually) | 0.05% | Savings Accounts | Rates | |
| Savings account | US Dollar Account (interest paid quarterly, $200-$4,999) | 0.30% | Foreign Currency Accounts | Rates | |
| Savings account | US Dollar Account (interest paid quarterly, $5,000+) | 0.40% | Foreign Currency Accounts | Rates |
Products as recorded
- Low Rate Mortgage (Insured High Ratio)
- First Rate 2nd Mortgage
- Co-op and Co-ownership Mortgage
- Flex mortgage
The lender's own website.
Sources for this record
- https://www.duca.com/rates
- https://www.ducabrokerservices.ca/media//duca-dbs-mortgage-rate-sheet-january-20th-2026.pdf
- https://rateshop.ca/mortgage-lenders/duca/
Encyclopedia captured 2026-11-14.