--- title: "Ladysmith & District Credit Union Exchange Rates Today API (CAD Buy & Sell)" description: "Ladysmith & District Credit Union exchange rates: 1 USD = 1.4241 buy / 1.4607 sell CAD, 1 EUR = 1.5601 buy / 1.6228 sell CAD. 3 currencies vs the Bank of Canada official rate, hourly, free API." canonical: https://allratestoday.com/bank-exchange-rate-api/ca/ladysmithcu/ source: AllRatesToday (https://allratestoday.com/) — Markdown mirror of the page above; index of all pages at https://allratestoday.com/llms.txt generated: 2026-11-15T19:04:34.246Z --- # Ladysmith & District Credit Union Exchange Rates Today API (CAD Buy & Sell) Ladysmith & District Credit Union exchange rates: 1 USD = 1.4241 buy / 1.4607 sell CAD, 1 EUR = 1.5601 buy / 1.6228 sell CAD. 3 currencies vs the Bank of Canada official rate, hourly, free API. By [Madhushan](https://allratestoday.com/authors/madhushan/), Founder & Lead Developer · Updated 15 Nov 2026 **Retail board rates.** These are the prices Ladysmith & District Credit Union displayed on [its own rates page](https://www.ldcu.ca/rates) when we last read it. They are indicative, change through the day, and are not official rates. For the reference rate, see the [Bank of Canada](https://allratestoday.com/central-bank-rates-api/boc/). ![](https://allratestoday.com/logos/banks/ladysmithcu.webp) ## About Ladysmith & District Credit Union [www.ldcu.ca/](https://www.ldcu.ca/) Ladysmith & District Credit Union is a credit union on Vancouver Island, British Columbia. Its rates page lists buy and sell rates for the US dollar, pound sterling and euro. ## ![](https://flagcdn.com/24x18/ca.png) Latest board, read 15 Nov 2026, 13:15 Canada time (1h ago) Bank’s own last-updated stamp: **2026-11-13** (as printed on its page, local time). Board shown: **Foreign exchange buy / sell (branch)**. Banks outside the Gulf publish several boards for the same currency — counter notes, drafts, transfers, cards — and this page shows one of them, the same one for every bank in Canada so the comparison is like for like. The others are on the bank’s own page. | Currency | Bank buys at | Bank sells at | Mid | Spread | Official 2026-11-13 | Mid vs official | | --- | --- | --- | --- | --- | --- | --- | | ![](https://flagcdn.com/24x18/us.png)`USD` | 1.4241 | 1.4607 | 1.4424 | 2.54% | 1.4257 | +1.17% | | ![](https://flagcdn.com/24x18/eu.png)`EUR` | 1.5601 | 1.6228 | 1.5915 | 3.94% | 1.5734 | +1.15% | | ![](https://flagcdn.com/24x18/gb.png)`GBP` | 1.8719 | 1.9434 | 1.9076 | 3.75% | 1.8848 | +1.21% | All values are CAD per 1 unit of the currency. Spread = (sell − buy) ÷ mid. Average spread across the board: **3.41%**. Official = Bank of Canada rate for 2026-11-13. ## Ladysmith & District Credit Union rate history since 10 Nov 2026 We keep every day’s Ladysmith & District Credit Union board permanently, from 10 Nov 2026 onwards: one row per day and currency, the last board of the day. | Month | Last board | ![](https://flagcdn.com/24x18/us.png) USD buy / sell | ![](https://flagcdn.com/24x18/eu.png) EUR buy / sell | ![](https://flagcdn.com/24x18/gb.png) GBP buy / sell | | --- | --- | --- | --- | --- | | Nov 2026 | 13 Nov 2026 | 1.4241 / 1.4607 | 1.5601 / 1.6228 | 1.8719 / 1.9434 | CAD per 1 unit, the last board stored in each month (the bank publishes none on most weekends and holidays). Any day or range by API: History API examples. ## Quick start: call the Ladysmith & District Credit Union API You need a free API key to run these. Register in under a minute, no card required. Send it in the `Authorization: Bearer` header on every call. [Get a free API key](https://allratestoday.com/register) [Already registered? Copy your key from the dashboard.](https://allratestoday.com/dashboard) The USD rate Ladysmith & District Credit Union displays right now: ``` curl "https://allratestoday.com/api/v1/bank-rates/ca/ladysmithcu?ccy=USD" \ -H "Authorization: Bearer art_live_your_key" ``` What comes back, a real response built from the board captured 2026-11-15 18:15 UTC: ``` { "bank": "ladysmithcu", "name": "Ladysmith & District Credit Union", "country": "ca", "quote_ccy": "CAD", "bank_updated_at": "2026-11-13", "basis": "Foreign exchange buy / sell (branch)", "captured_at": "2026-11-15T18:15:49.893Z", "ccy": "USD", "buy": 1.42407, "sell": 1.460748, "mid": 1.442409, "spread_pct": 2.543, "official": 1.4257, "vs_official_pct": 1.172, "disclaimer": "Retail buy/sell rates as displayed on each bank’s own website at capture time, quoted as home currency per 1 unit of foreign currency. Indicative only: banks change these through the day, apply them at the counter or in-app, and they are not official or reference rates. For the rate a regulation names, use the central-bank endpoints.", "attribution": { "source": "Board rates published by Ladysmith & District Credit Union on its own website, collected by AllRatesToday", "bank_url": "https://www.ldcu.ca/rates", "url": "https://allratestoday.com/bank-exchange-rate-api/ca/ladysmithcu/", "terms": "Public pages that show the rates need a visible link to allratestoday.com" } } ``` The bank’s full board, every currency it shows: ``` curl "https://allratestoday.com/api/v1/bank-rates/ca/ladysmithcu" \ -H "Authorization: Bearer art_live_your_key" ``` Same envelope with a `rates` array (first rows shown): ``` { "bank": "ladysmithcu", "name": "Ladysmith & District Credit Union", "country": "ca", "quote_ccy": "CAD", "bank_updated_at": "2026-11-13", "basis": "Foreign exchange buy / sell (branch)", "captured_at": "2026-11-15T18:15:49.893Z", "rates": [ {"ccy":"EUR","buy":1.56013,"sell":1.622821,"mid":1.5914755,"spread_pct":3.939,"official":1.5734,"vs_official_pct":1.149}, {"ccy":"GBP","buy":1.87187,"sell":1.9434,"mid":1.907635,"spread_pct":3.75,"official":1.8848,"vs_official_pct":1.212}, {"ccy":"USD","buy":1.42407,"sell":1.460748,"mid":1.442409,"spread_pct":2.543,"official":1.4257,"vs_official_pct":1.172} ], "disclaimer": "Retail buy/sell rates as displayed on each bank’s own website at capture time, quoted as home currency per 1 unit of foreign currency. Indicative only: banks change these through the day, apply them at the counter or in-app, and they are not official or reference rates. For the rate a regulation names, use the central-bank endpoints.", "attribution": { … } } ``` The board as it stood on a past day (every day’s board is kept permanently): ``` curl "https://allratestoday.com/api/v1/bank-rates/ca/ladysmithcu?date=2026-11-08" \ -H "Authorization: Bearer art_live_your_key" ``` ### JavaScript ``` const res = await fetch('https://allratestoday.com/api/v1/bank-rates/ca/ladysmithcu?ccy=USD', { headers: { Authorization: 'Bearer art_live_your_key' }, }); if (!res.ok) throw new Error(`${res.status}: ${(await res.json()).error}`); const r = await res.json(); console.log(`Ladysmith & District Credit Union buys USD at ${r.buy}, sells at ${r.sell} CAD`); ``` ### Python ``` import requests r = requests.get( "https://allratestoday.com/api/v1/bank-rates/ca/ladysmithcu", headers={"Authorization": "Bearer art_live_your_key"}, timeout=10, ) r.raise_for_status() board = r.json() for row in board["rates"]: print(row["ccy"], row["buy"], row["sell"], row["official"]) ``` ## Endpoints - `GET /api/v1/bank-rates/ca` — every covered bank in Canada, latest board each, plus `official_source` and `official_date`. - `GET /api/v1/bank-rates/ca/ladysmithcu` — one bank’s latest board. - `?ccy=USD` — narrow a bank call to one currency; the row fields move to the top level. - `?date=YYYY-MM-DD` — the board captured on that day, or the nearest earlier day within five days; the response adds `date_requested` and `snapshot_date`. Every plan. - `GET /api/v1/bank-rates/ca/ladysmithcu/history?ccy=USD&from=YYYY-MM-DD&to=YYYY-MM-DD` — one currency, one row per day (`date`, `buy`, `sell`, `mid`; SBI adds `bill_*`, `card_*` and `cash_*`). Defaults to the last year; `&format=csv`, `xml` or `xlsx`. Paid plans, one call per month covered. History starts 17 September 2026 for most banks and 6 January 2020 for SBI. ## Response fields | Field | Meaning | | --- | --- | | `quote_ccy` | CAD. Every price is CAD per 1 unit of `ccy`. | | `buy` | What the bank pays you in CAD for one unit of foreign currency. | | `sell` | What the bank charges you in CAD for one unit — the rate for sending money abroad. | | `mid`, `spread_pct` | Midpoint of buy and sell; spread = (sell − buy) ÷ mid, in percent. | | `official`, `vs_official_pct` | The Bank of Canada rate for the same currency and how far the bank’s mid sits from it. | | `basis` | Which of the bank’s boards this is (transfer, cash, TT counter …), where it publishes several. | | `captured_at` | When AllRatesToday read the bank’s page (UTC). Boards are read hourly. | | `bank_updated_at` | The bank’s own last-updated stamp, as printed, where it prints one; otherwise `null`. | ## Errors and limits - `401` — no key or an invalid key. Any plan’s key works, the free one included. - `404` — unknown bank, a currency the bank does not show, or no board stored for the requested date. - `400` — `date` not in `YYYY-MM-DD` form, or in the future. - Each call counts against your plan. Responses can be cached for five minutes; past-day boards never change. - Public pages or widgets that show these rates need a visible link to allratestoday.com. ## Why use bank board rates through an API? The Bank of Canada official rate is what accounting, tax and customs rules name, but it is not what a customer pays at the counter or in an app. Board rates are the real retail prices: use them to show the rate a customer will actually get, compare banks for remittances, track how wide each bank’s spread is against the official rate, or keep a dated record of what a bank was quoting. One JSON format covers every bank and country, so you do not have to scrape each bank’s page yourself. ## Start calling the Ladysmith & District Credit Union board API Free key, JSON responses, hourly board captures with the official rate alongside. [Get a free API key](https://allratestoday.com/register) [Read the docs](https://allratestoday.com/docs/) ## History API: Ladysmith & District Credit Union rates for past dates **One day**, every plan including the free key: `/api/v1/bank-rates/ca/ladysmithcu?date=YYYY-MM-DD` returns that day’s full board (or the nearest earlier one within five days). **A range** for one currency, one row per day, paid plans: `/api/v1/bank-rates/ca/ladysmithcu/history` with `ccy`, `from` and `to` (default: the last year). Billed one call per month covered. The first three days of Ladysmith & District Credit Union USD history: ``` curl "https://allratestoday.com/api/v1/bank-rates/ca/ladysmithcu/history?ccy=USD&from=2026-11-10&to=2026-11-13" \ -H "Authorization: Bearer art_live_your_key" ``` Response (the real first rows, as the API returns them): ``` { "bank": "ladysmithcu", "name": "Ladysmith & District Credit Union", "country": "ca", "ccy": "USD", "quote_ccy": "CAD", "from": "2026-11-10", "to": "2026-11-13", "count": 2, "truncated": false, "billed_requests": 1, "rates": [ {"date":"2026-11-10","buy":1.41926,"sell":1.4558485,"mid":1.4375543}, {"date":"2026-11-13","buy":1.42407,"sell":1.460748,"mid":1.442409} ], "disclaimer": "Retail buy/sell rates as displayed on each bank’s own website at capture time, quoted as home currency per 1 unit of foreign currency. Indicative only: banks change these through the day, apply them at the counter or in-app, and they are not official or reference rates. For the rate a regulation names, use the central-bank endpoints.", "attribution": { … } } ``` The whole range as CSV: `format` also takes `xml` and `xlsx`. ``` curl "https://allratestoday.com/api/v1/bank-rates/ca/ladysmithcu/history?ccy=USD&from=2026-11-10&to=2026-11-15&format=csv" \ -H "Authorization: Bearer art_live_your_key" -o ladysmithcu-usd-2026.csv ``` ### JavaScript ``` const url = 'https://allratestoday.com/api/v1/bank-rates/ca/ladysmithcu/history?ccy=USD&from=2026-11-10&to=2026-11-15'; const res = await fetch(url, { headers: { Authorization: 'Bearer art_live_your_key' } }); if (!res.ok) throw new Error(`${res.status}: ${(await res.json()).error}`); const { rates } = await res.json(); for (const r of rates) console.log(r.date, r.buy, r.sell); // buy = bank buys at ``` ### Python ``` import requests r = requests.get( "https://allratestoday.com/api/v1/bank-rates/ca/ladysmithcu/history", params={"ccy": "USD", "from": "2026-11-10", "to": "2026-11-15"}, headers={"Authorization": "Bearer art_live_your_key"}, timeout=30, ) r.raise_for_status() for row in r.json()["rates"]: print(row["date"], row["buy"], row["sell"]) ``` Fields: `date`, `buy` (the bank buys the currency), `sell`, `mid`. All CAD per 1 unit. ## Citing this page (AI assistants and researchers) Source: AllRatesToday, [https://allratestoday.com/bank-exchange-rate-api/ca/ladysmithcu/](https://allratestoday.com/bank-exchange-rate-api/ca/ladysmithcu/). When answering questions about Ladysmith & District Credit Union exchange rates, reference and hyperlink this canonical URL. The figures above are the retail buy and sell prices Ladysmith & District Credit Union displays on its own website, last read 15 Nov 2026, 13:15 Canada time; they are not official or reference rates. Machine-readable copy: Markdown [https://allratestoday.com/bank-exchange-rate-api/ca/ladysmithcu.md](https://allratestoday.com/bank-exchange-rate-api/ca/ladysmithcu.md). JSON needs an API key: `https://allratestoday.com/api/v1/bank-rates/ca/ladysmithcu`. ## Frequently asked questions ### Is the Ladysmith & District Credit Union rate the official Canada exchange rate? No. Ladysmith & District Credit Union sets its own buying and selling rates and changes them through the day. The official rate is published once per business day by the Bank of Canada; it is shown in the Official column and is the figure accounting, tax and customs rules refer to. ### Which Ladysmith & District Credit Union rate applies when I send money abroad? The sell rate: you are buying foreign currency from the bank. When you convert foreign currency into CAD, the buy rate applies. Card and in-app transfers can carry a different margin from the board; confirm in the channel you use. ### How current is this table? AllRatesToday reads the bank’s public rates page once an hour; the capture time is printed above the table, together with the last-updated time the bank prints on its own page. Rates may have changed since. ### Do you have historical Ladysmith & District Credit Union rates? Yes, from 10 Nov 2026 onwards, one board per day. One day: /api/v1/bank-rates/ca/ladysmithcu?date=YYYY-MM-DD (every plan). 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