Lenders
Newfoundland and Labrador Credit Union
Newfoundland and Labrador Credit Union is recorded in this encyclopedia as a credit union operating Newfoundland and Labrador, and it deals with borrowers directly.
| Type | credit union |
|---|---|
| Operates | Newfoundland and Labrador |
| Head office province | Newfoundland and Labrador |
| Website | https://www.nlcu.com |
| Publishes rates | Yes. Its published rates are in the mortgage rates section. |
| Channel | direct |
Published rates held for this lender
74 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 Fixed Term GIC | 2.700 | Tax Free Savings Account (TFSA) | Rates | NLCU | |
| GIC | 1 Year Fixed Term GIC | 2.700 | Registered Retirement Savings Plan (RRSP) | Rates | NLCU | |
| GIC | 1 Year Fixed Term GIC | 2.700 | Registered Retirement Income Fund (RRIF) | Rates | NLCU | |
| GIC | 2 Year Fixed Term GIC | 2.800 | Tax Free Savings Account (TFSA) | Rates | NLCU | |
| GIC | 2 Year Fixed Term GIC | 2.800 | Registered Retirement Savings Plan (RRSP) | Rates | NLCU | |
| GIC | 2 Year Fixed Term GIC | 2.800 | Registered Retirement Income Fund (RRIF) | Rates | NLCU | |
| GIC | 3 Year Fixed Term GIC | 2.850 | Tax Free Savings Account (TFSA) | Rates | NLCU | |
| GIC | 3 Year Fixed Term GIC | 2.850 | Registered Retirement Savings Plan (RRSP) | Rates | NLCU | |
| GIC | 3 Year Fixed Term GIC | 2.850 | Registered Retirement Income Fund (RRIF) | Rates | NLCU | |
| GIC | 4 Year Fixed Term GIC | 2.900 | Tax Free Savings Account (TFSA) | Rates | NLCU | |
| GIC | 4 Year Fixed Term GIC | 2.900 | Registered Retirement Savings Plan (RRSP) | Rates | NLCU | |
| GIC | 4 Year Fixed Term GIC | 2.900 | Registered Retirement Income Fund (RRIF) | Rates | NLCU | |
| GIC | 5 Year Fixed Term GIC | 3.100 | Tax Free Savings Account (TFSA) | Rates | NLCU | |
| GIC | 5 Year Fixed Term GIC | 3.100 | Registered Retirement Savings Plan (RRSP) | Rates | NLCU | |
| GIC | 5 Year Fixed Term GIC | 3.100 | Registered Retirement Income Fund (RRIF) | Rates | NLCU | |
| GIC | 6 Month Fixed Term GIC | 2.300 | Tax Free Savings Account (TFSA) | Rates | NLCU | |
| GIC | 6 Month Fixed Term GIC | 2.300 | Registered Retirement Savings Plan (RRSP) | Rates | NLCU | |
| GIC | 6 Month Fixed Term GIC | 2.300 | Registered Retirement Income Fund (RRIF) | Rates | NLCU | |
| GIC | 7 Year Fixed Term GIC | 3.200 | Tax Free Savings Account (TFSA) | Rates | NLCU | |
| GIC | 7 Year Fixed Term GIC | 3.200 | Registered Retirement Savings Plan (RRSP) | Rates | NLCU | |
| GIC | Long Term - 1 Year GIC | 2.700 | GICs | Rates | NLCU | |
| GIC | Long Term - 2 Years GIC | 2.800 | GICs | Rates | NLCU | |
| GIC | Long Term - 3 Years GIC | 2.850 | GICs | Rates | NLCU | |
| GIC | Long Term - 4 Years GIC | 2.900 | GICs | Rates | NLCU | |
| GIC | Long Term - 5 Years GIC | 3.100 | GICs | Rates | NLCU | |
| GIC | Long Term - 7 Years GIC | 3.200 | GICs | Rates | NLCU | |
| GIC | Short Term Deposit - 180-364 Days GIC | 2.350 | GICs | Rates | NLCU | |
| GIC | Short Term Deposit - 30-59 Days GIC | 2.000 | GICs | Rates | NLCU | |
| GIC | Short Term Deposit - 60-89 Days GIC | 2.150 | GICs | Rates | NLCU | |
| GIC | Short Term Deposit - 7-29 Days GIC | 0.750 | GICs | Rates | NLCU | |
| GIC | Short Term Deposit - 90-179 Days GIC | 2.300 | GICs | Rates | NLCU | |
| Mortgage | 1% Cash Back - 5 Years | 5.140 | Mortgages; Prime Rate 4.700 | Rates | NLCU | |
| Mortgage | 2% Cash Back - 5 Years | 5.440 | Mortgages; Prime Rate 4.700 | Rates | NLCU | |
| Mortgage | 3% Cash Back - 5 Years | 5.740 | Mortgages; Prime Rate 4.700 | Rates | NLCU | |
| Mortgage | 4% Cash Back - 5 Years | 6.040 | Mortgages; Prime Rate 4.700 | Rates | NLCU | |
| Mortgage | 5% Cash Back - 5 Years | 6.265 | Mortgages; Prime Rate 4.700 | Rates | NLCU | |
| Mortgage | Closed - 1 Year | 5.490 | Mortgages; Prime Rate 4.700 | Rates | NLCU | |
| Mortgage | Closed - 2 Years | 5.390 | Mortgages; Prime Rate 4.700 | Rates | NLCU | |
| Mortgage | Closed - 3 Years (Special Rate) | 4.790 | Mortgages; Prime Rate 4.700 | Rates | NLCU | |
| Mortgage | Closed - 3 Years (With Mortgage Insurance) | 4.690 | Mortgages; Prime Rate 4.700 | Rates | NLCU | |
| Mortgage | Closed - 4 Years | 5.790 | Mortgages; Prime Rate 4.700 | Rates | NLCU | |
| Mortgage | Closed - 5 Years (Special Rate) | 4.890 | Mortgages; Prime Rate 4.700 | Rates | NLCU | |
| Mortgage | Closed - 5 Years (With Mortgage Insurance) | 4.790 | Mortgages; Prime Rate 4.700 | Rates | NLCU | |
| Mortgage | Closed - 7 Years (Special Rate) | 5.390 | Mortgages; Prime Rate 4.700 | Rates | NLCU | |
| Mortgage | Open - 1 Year | 9.000 | Mortgages; Prime Rate 4.700 | Rates | NLCU | |
| Mortgage | Open - 6 Months | 9.150 | Mortgages; Prime Rate 4.700 | Rates | NLCU | |
| Mortgage | Variable - 5 Years (Adjusted to Market Conditions) | 4.200 | Mortgages; Prime Rate 4.700 | Rates | NLCU | |
| Personal loan | 2026 ATV / Snow / Water Machines | 5.250 | Recreation Vehicle Loans | Rates | NLCU | |
| Personal loan | 2026 Motorcycles | 5.000 | Recreation Vehicle Loans | Rates | NLCU | |
| Personal loan | 2026 Travel Trailers / Motor Homes / Campers | 5.500 | Recreation Vehicle Loans | Rates | NLCU | |
| Personal loan | 2026 Vehicles | 4.990 | Vehicle Loans | Rates | NLCU | |
| Personal loan | 2026 Vehicles (Prime Based) | 4.700 | Vehicle Loans | Rates | NLCU | |
| Personal loan | Personal Line of Credit Secured Base Rate | 4.700 | Personal Lines of Credit | Rates | NLCU | |
| Personal loan | Personal Line of Credit Unsecured Base Rate | 6.700 | Personal Lines of Credit | Rates | NLCU | |
| Personal loan | RRSP Line of Credit Base Rate | 4.700 | Personal Lines of Credit | Rates | NLCU | |
| Personal loan | Special Rate on 2021 and Prior Vehicles | 6.800 | Vehicle Loans | Rates | NLCU | |
| Personal loan | Special Rate on 2025-2022 Vehicles | 5.250 | Vehicle Loans | Rates | NLCU | |
| Personal loan | Special Rate on 2026 ATV / Snow / Water Machines | 4.900 | Recreation Vehicle Loans | Rates | NLCU | |
| Personal loan | Special Rate on 2026 Motorcycles | 4.650 | Recreation Vehicle Loans | Rates | NLCU | |
| Personal loan | Special Rate on 2026 Travel Trailers / Motor Homes / Campers | 5.150 | Recreation Vehicle Loans | Rates | NLCU | |
| Personal loan | Special Rate on New 2026 Vehicles | 4.640 | Vehicle Loans | Rates | NLCU | |
| Personal loan | Special Rate on New 2026 Vehicles (Prime Based) | 4.550 | Vehicle Loans | Rates | NLCU | |
| Savings account | Advantage Tier $0 - $5,000 | 0.125 | Advantage (Tiered Rate Savings) | Rates | NLCU | |
| Savings account | Advantage Tier $10,001 - $25,000 | 0.125 | Advantage (Tiered Rate Savings) | Rates | NLCU | |
| Savings account | Advantage Tier $100,001 and over | 0.500 | Advantage (Tiered Rate Savings) | Rates | NLCU | |
| Savings account | Advantage Tier $25,001 - $60,000 | 0.300 | Advantage (Tiered Rate Savings) | Rates | NLCU | |
| Savings account | Advantage Tier $5,001 - $10,000 | 0.125 | Advantage (Tiered Rate Savings) | Rates | NLCU | |
| Savings account | Advantage Tier $60,001 - $100,000 | 0.400 | Advantage (Tiered Rate Savings) | Rates | NLCU | |
| Savings account | Fat Cat/Head Start | 0.050 | Savings | Rates | NLCU | |
| Savings account | Monthly Savings Plan | 0.700 | Savings | Rates | NLCU | |
| Savings account | Online Savings | 0.700 | Savings | Rates | NLCU | |
| Savings account | Plan 24/Daily Interest Savings | 0.125 | Savings | Rates | NLCU | |
| Savings account | Registered Retirement Income Fund (RRIF) - Variable | 0.125 | Registered Retirement Income Fund (RRIF) | Rates | NLCU | |
| Savings account | Tax Free Savings Account (TFSA) - Daily Interest Savings Account | 0.125 | Tax Free Savings Account (TFSA) | Rates | NLCU |
Products as recorded
- Mortgages
- FastTrack CASHBACK Mortgage
Known as NLCU; largest credit union in Newfoundland and Labrador with 12 branches, per WOWA
The lender's own website.
Sources for this record
- https://www.nlcu.com/rates
- https://www.nlcu.com/home?gad_source=5&gad_campaignid=21248342117&gclid=EAIaIQobChMIwefulqvhiQMVHhmiAx2-FhO7EAAEYASAAEgL_4fD_BwE
- https://wowa.ca/mortgage-rates-newfoundland
Encyclopedia captured 2026-11-14.