Savings account · DUCA
Feel Free Savings: fees and true cost
DUCA’s Feel Free Savings lists 0.05% interest and no monthly fee. On $10,000 that’s about $5 a year before tax, at the posted rate.
Provincial insurerOffered in ON
Fees retrieved November 1, 2026
Interest at different balances
| Balance | Rate | Interest a year |
|---|---|---|
| $1,000 | 0.05% | $1 |
| $10,000 | 0.05% | $5 |
| $50,000 | 0.05% | $25 |
| Balance | Rate (annual) |
|---|---|
| $0 and up | 0.05% |
Every fee FCAC lists for this account
| Item | Fee |
|---|---|
| Monthly fee | No monthly fee |
| Included transactions | Branch: unlimited · self-serve: 5 |
| Debit purchase in Canada (beyond included) | No extra fee |
| Online or mobile bill payment | No extra fee |
| Interac e-Transfer | $1.25 |
| Online transfer between your accounts | No extra fee |
| Own-bank ATM withdrawal | No extra fee |
| Withdrawal at another institution’s ATM | No extra fee |
| ATM withdrawal in the United States | $5.00 |
| ATM withdrawal in other countries | $5.00 |
| Debit purchase in the United States | $5.00 |
| In-branch withdrawal | No extra fee |
| Bill payment in branch | No extra fee |
| Cheque (as a payment) | Not available |
| Mailed monthly statement | No extra fee |
| Non-sufficient funds (NSF) | Not stated |
| Overdraft protection, monthly | Not stated |
| Overdraft protection, per use | Not stated |
| Overdraft interest | Not stated |
Notes from the institution
Exclusively available to Members 60+. FCAC retrieved information for this account from publicly available information on the financial institution's website. Product features, fees, rates and eligibility requirements may change. Please verify current account details directly with the financial institution.
Is the money protected?
FSRA (Ontario credit union). Credit union deposits are insured by the province, with limits that vary — see credit union insurance by province.
Other savings accounts at DUCA
- Aim For More Savings — 0.05% interest
- Children’s Savings — 0.1% interest
- Daylight No Fee Savings — 0.05% interest
- Earn More Savings — 0.25% interest
- Evermore Premium Savings — 0.05% interest
Source: FCAC Account Comparison Tool (data submitted by the institution), retrieved November 1, 2026 · DUCA’s product page
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