Canadian High Interest Savings Bank Accounts - Forum: DUCA Credit Union https://www.highinterestsavings.ca/forum/duca-credit-union/ Simple:Press Version 6.11.10 Peter on Promo GIC 18 months 3.85% p.a. https://www.highinterestsavings.ca/forum/duca-credit-union/promo-gic-18-months-3-852e2e21390fdabf3b1415db661825f1542dddc62479f64b76ea06e5f183a88f14-p-a/#p114713 DUCA Credit Union https://www.highinterestsavings.ca/forum/duca-credit-union/promo-gic-18-months-3-852e2e21390fdabf3b1415db661825f1542dddc62479f64b76ea06e5f183a88f14-p-a/#p114713 Added!

]]> Fri, 04 Sep 2026 00:40:42 -0700 GR on Promo GIC 18 months 3.85% p.a. https://www.highinterestsavings.ca/forum/duca-credit-union/promo-gic-18-months-3-852e2e21390fdabf3b1415db661825f1542dddc62479f64b76ea06e5f183a88f14-p-a/#p114707 DUCA Credit Union https://www.highinterestsavings.ca/forum/duca-credit-union/promo-gic-18-months-3-852e2e21390fdabf3b1415db661825f1542dddc62479f64b76ea06e5f183a88f14-p-a/#p114707 Limited time offer for non-registered GICs.

https://join.duca.com/promo/sp.....g4NDkxMzE1

Peter: I suggest this be added to GIC promos list.

]]> Thu, 03 Sep 2026 23:45:14 -0700 Dean on Always Check Your Interest Received https://www.highinterestsavings.ca/forum/duca-credit-union/always-check-your-interest-received/#p112248 DUCA Credit Union https://www.highinterestsavings.ca/forum/duca-credit-union/always-check-your-interest-received/#p112248 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
]]> Fri, 20 Feb 2026 01:10:04 -0800 MG on Always Check Your Interest Received https://www.highinterestsavings.ca/forum/duca-credit-union/always-check-your-interest-received/#p112246 DUCA Credit Union https://www.highinterestsavings.ca/forum/duca-credit-union/always-check-your-interest-received/#p112246 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. sf-frown

]]> Fri, 20 Feb 2026 00:07:38 -0800 savemoresaveoften on Promo 3 month GIC 4.15% p.a. https://www.highinterestsavings.ca/forum/duca-credit-union/promo-3-month-gic-4-15-p-a/#p111850 DUCA Credit Union https://www.highinterestsavings.ca/forum/duca-credit-union/promo-3-month-gic-4-15-p-a/#p111850 3mth rate reduced to 3.75% as of yesterday.

]]> Tue, 03 Feb 2026 21:45:19 -0800 savemoresaveoften on Promo 3 month GIC 4.15% p.a. https://www.highinterestsavings.ca/forum/duca-credit-union/promo-3-month-gic-4-15-p-a/#p111804 DUCA Credit Union https://www.highinterestsavings.ca/forum/duca-credit-union/promo-3-month-gic-4-15-p-a/#p111804

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

]]> Sun, 01 Feb 2026 21:00:27 -0800 COIN on Promo 3 month GIC 4.15% p.a. https://www.highinterestsavings.ca/forum/duca-credit-union/promo-3-month-gic-4-15-p-a/#p111803 DUCA Credit Union https://www.highinterestsavings.ca/forum/duca-credit-union/promo-3-month-gic-4-15-p-a/#p111803

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.

]]> Sun, 01 Feb 2026 11:10:02 -0800 William on Promo 3 month GIC 4.15% p.a. https://www.highinterestsavings.ca/forum/duca-credit-union/promo-3-month-gic-4-15-p-a/#p111780 DUCA Credit Union https://www.highinterestsavings.ca/forum/duca-credit-union/promo-3-month-gic-4-15-p-a/#p111780 Hello, I believe they lowered it from 4.15% to 4.00%, available with details here: https://www.duca.com/rates

]]> Sat, 31 Jan 2026 06:39:46 -0800 COIN on Promo 3 month GIC 4.15% p.a. https://www.highinterestsavings.ca/forum/duca-credit-union/promo-3-month-gic-4-15-p-a/#p111777 DUCA Credit Union https://www.highinterestsavings.ca/forum/duca-credit-union/promo-3-month-gic-4-15-p-a/#p111777 Is this offer still on the table?

]]> Sat, 31 Jan 2026 05:40:06 -0800 anitavirginia on Promo 3 month GIC 4.15% p.a. https://www.highinterestsavings.ca/forum/duca-credit-union/promo-3-month-gic-4-15-p-a/#p110716 DUCA Credit Union https://www.highinterestsavings.ca/forum/duca-credit-union/promo-3-month-gic-4-15-p-a/#p110716 how long is this offer good until.

]]> Tue, 09 Dec 2025 07:12:12 -0800 GR on Promo 3 month GIC 4.15% p.a. https://www.highinterestsavings.ca/forum/duca-credit-union/promo-3-month-gic-4-15-p-a/#p109642 DUCA Credit Union https://www.highinterestsavings.ca/forum/duca-credit-union/promo-3-month-gic-4-15-p-a/#p109642 Limited time, 3 month GIC for non-registered funds - 4.15% p.a.

]]> Sun, 02 Nov 2025 22:45:48 -0800 Nehpets on Me to Me Transfers Reinstated https://www.highinterestsavings.ca/forum/duca-credit-union/me-to-me-transfers-reinstated/#p108605 DUCA Credit Union https://www.highinterestsavings.ca/forum/duca-credit-union/me-to-me-transfers-reinstated/#p108605

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!!

]]> Tue, 23 Sep 2025 13:02:23 -0700 smayer97 on Me to Me Transfers Reinstated https://www.highinterestsavings.ca/forum/duca-credit-union/me-to-me-transfers-reinstated/#p108601 DUCA Credit Union https://www.highinterestsavings.ca/forum/duca-credit-union/me-to-me-transfers-reinstated/#p108601 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.

]]> Tue, 23 Sep 2025 09:30:20 -0700 Nehpets on Me to Me Transfers Reinstated https://www.highinterestsavings.ca/forum/duca-credit-union/me-to-me-transfers-reinstated/#p108585 DUCA Credit Union https://www.highinterestsavings.ca/forum/duca-credit-union/me-to-me-transfers-reinstated/#p108585 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

]]> Tue, 23 Sep 2025 02:20:23 -0700 julio on DUCA Class B Investment Shares https://www.highinterestsavings.ca/forum/duca-credit-union/duca-class-b-investment-shares/#p108512 DUCA Credit Union https://www.highinterestsavings.ca/forum/duca-credit-union/duca-class-b-investment-shares/#p108512 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).

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