Do more, be more and achieve more with DUCA

From Low Fee Chequing to No Fee High Interest Savings, DUCA helps you save at every turn. DUCA helps Ontarians do more, be more and achieve more with their money and their lives.
 

Your SIN will be used by DUCA for tax reporting purposes, which is required by law, as well as identity verification purposes through Equifax, which is optional. If you are opening a chequing account and you would prefer for DUCA not to use your SIN for identity verification purposes, please do not provide your SIN on the application. If you are opening a savings account and you would prefer for DUCA not to use your SIN for identity verification purposes, please visit a branch or call 1-866-900-3822 for account opening. Please note that this will result in a hard hit against your Credit Bureau.

Daylight Bundle
Most Popular

Daylight Chequing

$0.00 - 4.00

  Per Month

No or Low monthly fee (waived with minimum $1,000 daily balance), Unlimited deposits & withdrawals, Unlimited cheque clearing and transfers, Unlimited withdrawals with DUCA and Exchange® Network ATMs, Unlimited bill payments, Unlimited Interac® transactions, Free Me2Me Money transfers, Free e-Statements. Visit duca.com for our complete fee schedule or click here.

No or Low Fee
Most Popular
Unlimited Deposits, Withdrawals, and Cheques

Please select from the following account features:

$0.00 - 4.00

  Per Month

Most Popular

Daylight Chequing - IB

$0 - 4

  Per Month

No or Low monthly fee (waived with minimum $1,000 daily balance), Unlimited deposits & withdrawals, Unlimited cheque clearing and transfers, Unlimited withdrawals with DUCA and Exchange® Network ATMs, Unlimited bill payments, Unlimited Interac® transactions, Free Me2Me Money transfers, Free e-Statements. Visit duca.com for our complete fee schedule or click here.

Please select from the following account features:

$0 - 4

  Per Month

Most Popular

Daylight No Fee Savings

0.15%

  Rate

This high-value banking bundle provides all the basic features you need with absolutely no monthly fees. It includes access to a DUCA Savings Account and is bundled with flexible features to help you get the most from your day-to-day banking.

No monthly Fee
Please select from the following account features:
0.15%

  Rate

Aim For More Student Bundle
Most Popular

Aim for more Savings

0.15%

  Rate

Perfect for students and young adults, this banking bundle has the flexibility you need with no monthly fees. It comes with a DUCA Savings Account together with features designed to give you more at every turn. Available exclusively for young adults 16-29 years old.

No monthly Fee
Please select from the following account features:
0.15%

  Rate

Most Popular

Aim for more Savings-IB

0.15%

  Rate

Perfect for students and young adults, this banking bundle has the flexibility you need with no monthly fees. It comes with a DUCA Savings Account together with features designed to give you more at every turn. Available exclusively for young adults 16-29 years old.

Please select from the following account features:
0.15%

  Rate

Most Popular

Aim For More Chequing

$0.00

  Per Month

Perfect for students and young adults, this banking bundle has the flexibility you need with no monthly fees. It comes with a DUCA Savings Account together with features designed to give you more at every turn. Available exclusively for young adults 16-29 years old.

No Monthly Fee
Great Value
Unlimited Deposits, Withdrawals & Cheques

Please select from the following account features:

$0.00

  Per Month

Feel Free Senior Bundle (60+)
Most Popular

Feel Free Savings

0.15%

  Rate

Enjoy all the benefits that come along with your seniority. Exclusively available to Members 60 years of age and older, our Feel Free Savings Account is designed to make your life easier and help your savings grow with no monthly fees, unlimited transactions at non-DUCA ATMs and much more.

No monthly Fee
Please select from the following account features:
0.15%

  Rate

Evermore Premium Bundle
Most Popular

Evermore Premium Chequing

$15.00

  Per Month

Looking for more than just the basics? The Evermore Premium Chequing Account combines high-interest savings with a host of premium features. It’s perfect for those who plan to write a lot of cheques, certified cheques, and money orders.

Unlimited Brank Drafts
Unlimited Deposits & Withdrawals & Cheques
Unlimited Bill Payments & Interac Transactions

Please select from the following account features:

$15.00

  Per Month

Most Popular

Evermore Premium Savings

0.05%

  Rate

Looking for more than just the basics? The Evermore Premium Savings Account combines high-interest savings with a host of premium features. It’s perfect for those who plan to write a lot of cheques, certified cheques, and money orders.

No monthly Fee
Please select from the following account features:
Do you have an existing account with DUCA Credit Union?

* Because you are a new member, you will automatically receive a High-Interest Savings account, so you can transfer your money in and out. 

0.05%

  Rate

Earn More Savings Account
Most Popular

Earn More Savings Account

0.25%

  Rate

Our standard high-interest Earn More Savings Account lives up to its name. You'll earn maximum interest while maintaining maximum flexibility with your savings.

No monthly fee
High interest
No minimum balance
Please select from the following account features:
Do you have an existing account with DUCA Credit Union?

* Because you are a new member, you will automatically receive a High-Interest Savings account, so you can transfer your money in and out. 

0.25%

  Rate

Registered
Most Popular

Flex80 GIC

2.50%

  Rate

Earn more in your registered accounts (RRSP, TFSA, RRIF, RESP) and non-registered accounts with a Flex80 GIC at 2.50%. It’s flexible so, if you have to, you can cash out early (after 12 months) and still earn interest at 1.75%. Minimum requirement of $500. Full details at www.duca.com/gic.

Flexible Terms
Registered Investments
Low Minimum Investment
Please select from the following account features:
Do you have an existing account with DUCA Credit Union?

* Because you are a new member, you will automatically receive a High-Interest Savings account, so you can transfer your money in and out. 

2.50%

  Rate

Most Popular

TFSA

Tax-Free Savings Account (TFSA) A flexible, general purpose savings vehicle that allows members to earn tax-free investment income.

 

Competitive Interest Rates
Interest Is Tax Free
Please select from the following account features:
Most Popular

GIC

Non-Redeemable GICs are available in terms of 1 to 7 years and require a minimum balance of $500. Unlike Redeemable GICs, these investments are locked in until the term is complete, but the trade-off is a higher interest rate.
 

Competitive Interest Rates
Guaranteed Investments
Do you have an existing account with DUCA Credit Union?

* Because you are a new member, you will automatically receive a High-Interest Savings account, so you can transfer your money in and out. 

Most Popular

Flex80 GIC

2.00

  Rate

Earn more in your registered accounts (RRSP, TFSA, RRIF) with a Flex80 GIC at 2.00%. It’s flexible so, if you have to, you can cash out early (after 12 months) and still earn interest at 1.00%. Full details at duca.com/gic.

Do you have an existing account with DUCA Credit Union?

* Because you are a new member, you will automatically receive a High-Interest Savings account, so you can transfer your money in and out. 

2.00

  Rate

Most Popular

RSP

Retirement Savings Plan (RSP) Used for retirement savings, and for members who want to reduce their taxable income at time of contribution.
 

Competitive Interest Rates
Tax Sheltered Until Withdrawn
Please select from the following account features:
Plan Type
Note: For spousal RSP applications, we need some basic information from the contributor (below). The spouse (annuitant) will need to complete the remainder of the application.
Contributor Date of Birth
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Most Popular

Test Term Deposit

Test Term Deposit 

Term
Most Popular

Sprout GIC

5.50%

  Rate

This tax season, seize the opportunity to boost your savings with our limited time offer on one-year Registered Guaranteed Investment Certificates (GICs) at an impressive 5.5% interest rate. Eligible for RRSP, TFSA, and RRIF registered investments, minimum requirement of $500.

Please select from the following account features:
Do you have an existing account with DUCA Credit Union?

* Because you are a new member, you will automatically receive a High-Interest Savings account, so you can transfer your money in and out. 

5.50%

  Rate

Lending
Most Popular

Vehicle Loan

A vehicle loan is money borrowed against a vehicle by the Member that is paid back in fixed payments, or 
installments.

No Monthly Fees
No Monthly Fees
How much would you like to apply for?

*up to $1

Term
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  • -- Select --
  • 1 Year
  • 2 Year
  • 3 Year
  • 4 Year
  • 5 Year
  • 6 Year
  • 7 Year
Payment Frequency
keyboard_arrow_down
  • -- Select --
  • Weekly
  • Accelerated Weekly
  • Bi-Weekly
  • Accelerated Bi-Weekly
  • Semi-Monthly
  • Monthly
Most Popular

Lines Of Credit

A personal loan is money borrowed by the Member that is paid back in fixed payments, or installments.

No Monthly Fee
How much would you like to apply for?

*up to $1

Will this application require a co-signer?
Will you be using this account to consolidate any existing debt?
Do you have an existing account with DUCA Credit Union?

* Because you are a new member, you will automatically receive a High-Interest Savings account, so you can transfer your money in and out. 

EMSA Promotion
Most Popular

Earn More Savings Promo

6.00%

  Rate

Earn More Savings Promotional Account (6.00%) through June 30th, 2024!

Note: In addition to selecting Earn More Savings Promotional Account (promotion), you must also select a Chequing or Savings account so funds can be transferred at the end of the promotion.

No Locked-In Term
High Interest Rate
No Minimum Balance
Please select from the following account features:
Do you have an existing account with DUCA Credit Union?

* Because you are a new member, you will automatically receive a High-Interest Savings account, so you can transfer your money in and out. 

6.00%

  Rate