Uxbridge — Trails Capital of Canada: banking for the fastest-growing rural community in Durham Region, with local credit union, big five banks, and digital options.
| # | Bank | Monthly Fee | Interest Rate | Deposit Insurance |
|---|---|---|---|---|
| 🏉 | KOHO | $0 | 3.0% on savings | CDIC (federal) |
| 🏊 | EQ Bank | $0 | 3.75% HISA/FHSA | CDIC (federal) |
| 🏋 | Community First Credit Union | $0–$10 | 0.5–1.5% HISA | DICO (Ontario) unlimited |
| 4 | TD Bank | $10.95–$29.95 | 0.01% | CDIC (federal) |
| 5 | RBC | $11.95–$30.00 | 0.01% | CDIC (federal) |
KOHO is the best everyday banking choice for Uxbridge residents. $0 fees and 3% interest beat any big-bank account charging $15–$30/month at 0.01%. Use referral code 45ET55JSYA for a $100 signup bonus.
EQ Bank's 3.75% FHSA is the best savings rate for Uxbridge first-time buyers. Contribute $8,000/year (up to $40,000 lifetime) with tax deduction and tax-free growth — ideal for building a down payment in Durham Region.
Community First Credit Union is the most community-rooted institution serving Uxbridge. Community First CU serves Uxbridge and the greater Township area with full-service community banking, local mortgages, and agricultural lending for Durham Region's highest elevation community.
TD serves Durham Region through its branch network with extended hours. Best for residents needing national coverage, TD's New to Canada program, or US dollar accounts.
RBC serves Durham Region residents through its Ontario branch network with access to 4,400+ ATMs nationally. Best for full investment accounts or cross-Canada coverage.
Use referral code 45ET55JSYA when signing up for KOHO to earn a $100 bonus. Zero monthly fee, 3% interest, cash back on every purchase, and CDIC-insured deposits.
Open KOHO Free → Use Code 45ET55JSYAEstimate how much you save annually by switching to KOHO from your current bank.
Ontario LTT: 0.5% on first $55K, 1% on $250K, 1.5% on $400K, 2% on $2M, 2.5% above. First-time buyers rebate up to $4,000.
Brock Street main street: full bank access — TD, RBC, BMO, Community First CU. KOHO for $0 digital banking.
Growing suburban areas: EQ Bank FHSA ideal for first-time buyers, KOHO for fee-free everyday banking.
Oak Ridges Moraine farming: Community First CU for agricultural loans, KOHO for daily banking.
Outdoor recreation hub: KOHO's mobile-first banking perfect for active lifestyle residents.
Uxbridge has TD, RBC, BMO, Community First Credit Union, and others. KOHO is the best digital banking option with $0 fees and 3% interest.
Uxbridge has seen strong price appreciation as one of Durham Region's most desirable communities. EQ Bank FHSA is ideal for saving toward a purchase.
Ontario LTT on $750K: approximately $11,475. First-time buyers save up to $4,000. No Toronto MLTT outside Toronto.
EQ Bank for 3.75% FHSA savings rate. KOHO for $0 everyday banking. Community First CU for local mortgage expertise.
Zero fees · 3% interest · Cash back · CDIC insured · 5 minutes to open
Get KOHO + $100 →