Canadian High Interest Savings Bank Accounts - Forum: DUCA Credit Union

Dean on Always Check Your Interest Received

Fri, 20 Feb 2026 01:10:04 -0800

Thanks for sharing, MG !

That wouldn't be the first time errors like that were made at FIs.

The Prudent will always check to make sure everything is
proceeding as it should.
.

.

Dean

MG on Always Check Your Interest Received

Fri, 20 Feb 2026 00:07:38 -0800

I just had two 90 day GICs mature at DUCA, 4 days apart. The principal for both GICs was almost the same (although not identical) and yet the second GIC received almost $100 less interest! Well, I had noticed some entries in my DUCA savings account back in December - basically one GIC had been deposited with interest and then reversed back out. I just assumed it was some sort of glitch and did not think anything of it since everything was fully reversed out. When I called DUCA to investigate the shortfall of interest on the GIC, they said the GIC had been "re-set" for some reason and this was highly unusual. No explanation provided. They ended up crediting me for the missing interest the same day but it is fair to say that it only got corrected because I called in.

savemoresaveoften on Promo 3 month GIC 4.15% p.a.

Tue, 03 Feb 2026 21:45:19 -0800

3mth rate reduced to 3.75% as of yesterday.

savemoresaveoften on Promo 3 month GIC 4.15% p.a.

Sun, 01 Feb 2026 21:00:27 -0800

COIN said

I hate to ask the question:
How safe is DUCA?

I live through PACE and that was hard on the nerves. Don't want to go through that again.

safe up to $250k I guess

COIN on Promo 3 month GIC 4.15% p.a.

Sun, 01 Feb 2026 11:10:02 -0800

William said
Hello, I believe they lowered it from 4.15% to 4.00%, available with details here: https://www.duca.com/rates

I hate to ask the question:
How safe is DUCA?

I live through PACE and that was hard on the nerves. Don't want to go through that again.

William on Promo 3 month GIC 4.15% p.a.

Sat, 31 Jan 2026 06:39:46 -0800

Hello, I believe they lowered it from 4.15% to 4.00%, available with details here: https://www.duca.com/rates

COIN on Promo 3 month GIC 4.15% p.a.

Sat, 31 Jan 2026 05:40:06 -0800

Is this offer still on the table?

anitavirginia on Promo 3 month GIC 4.15% p.a.

Tue, 09 Dec 2025 07:12:12 -0800

how long is this offer good until.

GR on Promo 3 month GIC 4.15% p.a.

Sun, 02 Nov 2025 22:45:48 -0800

Limited time, 3 month GIC for non-registered funds - 4.15% p.a.

Nehpets on Me to Me Transfers Reinstated

Tue, 23 Sep 2025 13:02:23 -0700

smayer97 said
What is this all about? Why "reinstated"? ...

M2m has been disabled by DUCA for several months, along with other self service online functions.

DUCA has become a disappointment this past year, since being a leader in providing attractive deposit options. Sadly, no more.

But you can M2M again!!

smayer97 on Me to Me Transfers Reinstated

Tue, 23 Sep 2025 09:30:20 -0700

What is this all about? Why "reinstated"?

Also, I see no change in their policy that has existed for a couple of years.

Note too that these limits apply using DUCA's system.

Nehpets on Me to Me Transfers Reinstated

Tue, 23 Sep 2025 02:20:23 -0700

From email received today:

Transfer Timing & Limits
Incoming Me-to-Me transfers
Transfers from your linked account at another Canadian Financial Institution to your account at DUCA.
•Transfers initiated before 10:00 PM: Funds will be deposited the next calendar day.
•Transfers initiated between 10:00 PM and 11:59 PM: Processing of the deposit may take up to 5 calendar days.
•Funds are held for 8 calendar days.
•Daily limit: $100,000.

Outgoing Me-to-Me transfers
Transfers from DUCA to your linked account at another Canadian Financial Institution.
•Transfers initiated before 10:00 PM: Funds will be withdrawn from your DUCA account on the next calendar day.
•Transfers initiated between 10:00 PM and 11:59 PM: Processing of the deposit may take up to 5 calendar days.
•Daily limit: $20,000.

To ensure faster processing, we recommend initiating your transfers before 10:00 PM.

Outgoing Interac e-Transfer Limits:
You can continue sending up to $10,000 per day via Interac e-Transfer — giving you more flexibility for your everyday banking.

View All Transfer Limits HERE

Stephen

julio on DUCA Class B Investment Shares

Fri, 19 Sep 2025 00:37:36 -0700

Dividend rate is 4.50% annually for five years if and when dividends are declared. Declaration of dividends is not guaranteed and dividends are non-cumulative.

Redemption of the Class B Investment Shares, Series 5 is subject to approval by DUCA’s Board of Directors and will be conducted on a first come, first served basis. Shares may not be redeemed until five years or more after the Issue Date, after which redemption is subject to an annual limit of 10% of Class B Investment Shares outstanding as of the previous year end.

… are not deposits and are not insured by the Deposit Insurance Reserve Fund (DIRF).

COIN on DUCA Class B Investment Shares

Thu, 18 Sep 2025 12:54:34 -0700

savemoresaveoften said

these are taxed as interest not dividend,

Yes, so you don't get the dividend tax credit.

savemoresaveoften on DUCA Class B Investment Shares

Thu, 18 Sep 2025 06:26:24 -0700

cgouimet said
DUCA have another investment share offer.

"Dividend rate is 4.50% annually for five years if and when dividends are declared. Declaration of dividends is not guaranteed and dividends are non-cumulative.

Does anyone have experience with these? Like their dividend track record?

these are taxed as interest not dividend, and only if it"s declared. I rather buy a 5y corp bond if squeezing extra yield is the reason to think of getting something like that. At least interest has to be paid (assume all is good) and both are equaly illiquid anyway.