Rates at Kingston Community Credit Union as of May 6th, 2026.
| Balance | Rate (%) |
|---|---|
| $0 – $9,999 | 0.80 |
| $10,000 – $24,999 | 0.80 |
| $25,000 – $99,999 | 0.80 |
| $100,000 or more | 0.80 |
| Term | Rate (%) |
|---|---|
| 1 Year Callable rate (non-registered only) | 2.00 |
| 1 Year Non-Callable | 3.00 |
| 2 Year Non-Callable | 3.10 |
| 3 Year Non-Callable | 3.20 |
| 4 Year Non-Callable | 3.30 |
| 5 Year Non-Callable | 3.60 |
Note: Interest is compounded annually. Term Deposit rates also apply to RRSP, RRIF, TFSA and FHSA.
| Term | Rate (%) |
|---|---|
| 18 Month Non-Callable | 3.10 |
| 4 Year Non-Callable* | 4.25 |
| 5 Year Non-Callable* | 4.25 |
Note: Interest is compounded annually. Term Deposit rates also apply to RRSP, RRIF, TFSA and FHSA.
*Applies to GICs, RRSPs, RRIFs, TFSAs. Minimum $500 deposit required, new deposits only. Offer expires May 31st, 2026.
as low as 5.75% variable (secured)**
as low as 5.20% fixed**
as low as 5.10% variable (secured)**
| Posted / Discount** First Mortgage Rates | Rate (%) |
|---|---|
| Basic Variable Rate Mortgage (HELOC) | 4.85 / 5.60 |
| Fixed – Commercial Base | 5.70 |
| Fixed – 6 month or 1 year – Open | 7.95 |
| Fixed – 6 month – Closed | 6.10 |
| Fixed – 1 year – Closed | 5.50 |
| Fixed – 2 years – Closed | 5.15 |
| Fixed – 3 years – Closed | 6.05 |
| Fixed – 4 years – Closed | 6.00 |
| Fixed – 5 years – Closed | 6.10 |
| Fixed – 1 year – Discount (Closed) | 4.95 |
| Fixed – 2 year – Discount (Closed) | 4.45 |
| Fixed – 3 year – Discount (Closed) | 4.45 |
| Fixed – 4 year – Discount (Closed) | 4.55 |
| Fixed – 5 year – Discount (Closed) | 4.65 |
| Fixed – 5 year – CHMC (Closed) | 4.60 |
| KCCU Prime Rate | 4.45 |
Errors and omissions excepted – Please call to confirm.
Mortgage rates are guaranteed for 60 days from the date of advance.
** All Discount rates are OAC (On approved credit) – Qualifying is based on credit, amortization, and geography.
A third party is an individual or entity, other than the account holder or those authorized to give instructions about the account, who directs what happens with the account. For example, if an account were opened in one individual’s name for deposits that are directed by someone else, the other person or entity would be a third party.