DUCA Financial
This Page's Content Was Last Updated: July 21, 2026
Credit Union
DUCA Financial
DUCA Financial is a credit union located in Ontario. It was founded in 1954. It primarily serves Southern Ontario.
DUCA Credit Union was founded in Toronto in 1954 by Dutch immigrants to Canada and originally operated as Dutch Canadian Toronto Credit Union. From those origins, it has grown into a major Ontario credit union serving members across Southern Ontario, including the Greater Toronto Area.
DUCA was Canada's first credit union to receive B Corporation certification, reflecting verified social and environmental performance, transparency, and accountability. Its cooperative model also includes sharing profits with members through its Do More Profit Sharing program.
Today, DUCA serves personal and business members with banking, lending, mortgages, investments, and advice. Through initiatives such as the DUCA Impact Lab, it also works on financial inclusion, fair access to credit, and services for people who may be underserved by traditional financial institutions.
Provinces served
Mortgage Rates
The mortgage rates on this page were last updated on August 5, 2026 at 5:46 PM ET.
| Lender | Term | Rate | |
|---|---|---|---|
| 6-Month Fixed | 9.99% | ||
| 1-Year Fixed | 5.04% | ||
| 2-Year Fixed | 4.94% | ||
| 3-Year Fixed | 4.39% | ||
| 4-Year Fixed | 4.59% | ||
| 5-Year Fixed | 4.29% | ||
| 3-Year Variable | 4.15% | ||
| 5-Year Variable | 3.90% | ||
* Rates are for informational purposes only and reflect the lowest rates available. Rates may change at any time and may be applicable only to certain borrowers. Terms and conditions apply. | |||
GIC Rates
The GIC rates on this page were last updated on August 5, 2026 at 11:14 AM ET.
| Term | Rate |
|---|---|
| 3-Month | 3.10% |
| 6-Month | 2.45% |
| 1-Year | 3.00% |
| 1.5-Year | 3.15% |
| 2-Year | 3.25% |
| 3-Year | 3.40% |
| 4-Year | 3.55% |
| 5-Year | 3.70% |
* Rates are for informational purposes only and reflect the highest rates available. Rates may change at any time and may be applicable only to certain depositors. Terms and conditions apply. | |
Chequing and Savings Accounts
The account-related data on this page was last updated on July 20, 2026.
Chequing Accounts
Chequing Account
1. Account: Aim For More Chequing
- Standard Fee
- Free*
- Free Transactions
- Unlimited
- Max e-Transfer / Day
- $10,000
- Insurance Limit (Non-Registered)
- $250,000 per depositor
- Insurance Limit (Registered)
- Unlimited
Account details
- This account allows Unlimited free transactions.
- 3 free ATM transactions on the Interac network are included each month.
- Maximum Interac e-Transfer per day: $10,000
- Maximum Interac e-Transfer per week: $10,000
- This limit may vary depending on the client profile.
- *This account is available for youth and students only.
Deposit Insurance
Deposits are insured by the Financial Services Regulatory Authority of Ontario (FSRA), via the Deposit Insurance Reserve Fund (DIRF).
Chequing Account
2. Account: Daylight Chequing
- Standard Fee
- $4.00/mo
- Free Transactions
- Unlimited
- Max e-Transfer / Day
- $10,000
- Insurance Limit (Non-Registered)
- $250,000 per depositor
- Insurance Limit (Registered)
- Unlimited
Account details
- The monthly account fee is waived if you maintain a minimum balance of $1,000 in your account.
- This account allows Unlimited free transactions.
- Maximum Interac e-Transfer per day: $10,000
- Maximum Interac e-Transfer per week: $10,000
- This limit may vary depending on the client profile.
Deposit Insurance
Deposits are insured by the Financial Services Regulatory Authority of Ontario (FSRA), via the Deposit Insurance Reserve Fund (DIRF).
Chequing Account
3. Account: Feel Free Chequing
- Standard Fee
- Free*
- Free Transactions
- Unlimited
- Max e-Transfer / Day
- $10,000
- Insurance Limit (Non-Registered)
- $250,000 per depositor
- Insurance Limit (Registered)
- Unlimited
Account details
- This account allows Unlimited free transactions.
- Maximum Interac e-Transfer per day: $10,000
- Maximum Interac e-Transfer per week: $10,000
- This limit may vary depending on the client profile.
- *This account is available for seniors only.
Deposit Insurance
Deposits are insured by the Financial Services Regulatory Authority of Ontario (FSRA), via the Deposit Insurance Reserve Fund (DIRF).
Savings Accounts
Savings Account
Account: Daylight Savings
- Interest Rate
- 0.05%
- Standard Fee
- Free
- Free Transactions
- 0
- Max e-Transfer / Day
- $10,000
- Insurance Limit (Non-Registered)
- $250,000 per depositor
- Insurance Limit (Registered)
- Unlimited
Account details
- This account allows 0 free transactions.
- Maximum Interac e-Transfer per day: $10,000
- Maximum Interac e-Transfer per week: $10,000
- This limit may vary depending on the client profile.
Deposit Insurance
Deposits are insured by the Financial Services Regulatory Authority of Ontario (FSRA), via the Deposit Insurance Reserve Fund (DIRF).
Savings Account
Account: Earn More Savings Account
- Interest Rate
- 0.25%
- Standard Fee
- Free
- Free Transactions
- 0
- Max e-Transfer / Day
- $10,000
- Insurance Limit (Non-Registered)
- $250,000 per depositor
- Insurance Limit (Registered)
- Unlimited
Account details
- This account allows 0 free transactions.
- Maximum Interac e-Transfer per day: $10,000
- Maximum Interac e-Transfer per week: $10,000
- This limit may vary depending on the client profile.
- This account is available within an RRSP or TFSA.
Deposit Insurance
Deposits are insured by the Financial Services Regulatory Authority of Ontario (FSRA), via the Deposit Insurance Reserve Fund (DIRF).
Credit Union Overview
| Metric | 2025 | YoY Change | 5-Year Change |
|---|---|---|---|
| Assets | $7.25B | -3.1% | +31.3% |
| Loans | $6.23B | -5.1% | +28.5% |
| Deposits | $6.04B | -3.1% | +32.6% |
| Mortgages + HELOCs | $4.45B | +5.0% | +23.1% |
| Revenue | $122M | +27.1% | +23.2% |
| Efficiency Ratio | 82.1% | — | — |
| Members | ~92,000 | — | — |
| Branches | 19 | — | — |
| Target Members / Region | Southern Ontario | — | — |
DUCA Financial Deposits, Loans and Revenue in the Past 5 Years
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Contact
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Disclaimer:
- Any analysis or commentary reflects the opinions of WOWA.ca analysts and should not be considered financial advice. Please consult a licensed professional before making any decisions.
- The calculators and content on this page are for general information only. WOWA® does not guarantee the accuracy and is not responsible for any consequences of using the calculator.
- Financial institutions and brokerages may compensate us for connecting customers to them through payments for advertisements, clicks, and leads.
- Interest rates are sourced from financial institutions' websites or provided to us directly. Real estate data is sourced from the Canadian Real Estate Association (CREA) and regional boards' websites and documents.