Rates
Let your money do the work for you with great rates.
Skip to main content
Personal
Become a Member
There's more to a credit union than just banking.
Financial Literacy
We know that strong financial literacy is key to making informed decisions about money.
Business
Rates
We offer industry leading business account rates.
Contact Us
Connect with our Business Banking team
Introducing our Business Centre
Located at 45 King Street East in Hamilton.
Wealth
Our Team
Meet our Wealth Team
Contact Us
Our wealth advisors are here to provide expert guidance and support.
Financial Literacy
We know that strong financial literacy is key to making informed decisions about money.
Insurance
Financial Literacy
We know that strong financial literacy is key to making informed decisions about money.
Earn 3.25%* with a 13-Month FlexSavings Cashable GIC
Upcoming scheduled maintenance for online and mobile banking
Please be advised that we will be performing scheduled maintenance on Sunday, October 19. Online and mobile banking will be unavailable between 6 a.m. and 9 a.m. Thank you for your patience.
Canada Post strike and service disruption
Please note that during a Canada Post service disruption, mail delivery could be delayed. Register now for online banking and paperless statements to avoid impact. Learn more
Personal Banking Products and Financial Services
Bank your way
Learn more about our products and find the best way to bank for you.
Earn up to 3.50%*
Get a guaranteed rate of return with our GIC offers.
Lock in stability
3.89%* on a 3-year high ratio mortgage.
Lead the way!
Join our Board of Directors.
Current Interest Rates*
13-Month FlexSavings Cashable GIC*
First Home Savings Account (FHSA)*
14-Month Non-Redeemable GIC*
*Rates are subject to change. Conditions apply.
* Rates are subject to change. Conditions apply.
Personal Products and Services
Online banking
Privacy and security • Legal • Accessibility statement • Market Conduct Code • View all online policies • Site map
FirstOntario Credit Union © Copyright 2025