Lots of credit unions in Canadian traditional finance (taking deposits, making loans), and they haven't been failing left and right. I think a bigger diff is t

Lots of credit unions in Canadian traditional finance (taking deposits, making loans), and they haven't been failing left and right. I think a bigger diff is that Canada doesn't do 15/20/25 year fixed rates. Usually at most 5 years fixed and then you renegotiate and see what you can do. And a lot of variable rates.