All rates as of  January 26th, 2022

Investing

Term Deposits/Guaranteed Investment Certificates (GICs)

Term Deposit length	Rate (%)
1 yr. Special rate min $10K	0.55
30 Day Non-Callable	0.10
60 Day Non-Callable	0.10
90 Day Non-Callable	0.15
120 Day Non-Callable	0.15
180 Day Non-Callable	0.20
270 Day Non-Callable	0.30
1 Year Non-Callable	0.40
2 Year Non-Callable	0.85
3 Year Non-Callable	1.35
4 Year Non-Callable	1.55
5 Year Non-Callable	2.00

High Interest Savings Account (HISA)  

HISA balance	Rate (%)
$0 - $9,999	0.40
$10,000 - $24,999	0.40
$25,000 - $99,999	0.40
$100,000 or more	0.55

Details available under "Personal Accounts" (scroll down to end)

RRSP/RRIF/TFSA Posted Term Rates (min. $500)

Term Deposit Length	Rate (%)
1 Year Special rate	0.50
1 Year Non-Callable	0.40
2 Year Non-Callable	0.80
3 Year Non-Callable	1.35
4 Year Non-Callable	1.55
5 Year Non-Callable	2.00

The interest rate is an annual rate, interest earned is paid on maturity. Interest rates are subject to change without notice.

RRSP/RRIF/TFSA/Term Bonus Rates (Min. $10K)

Note: The interest rate is an annual rate, interest earned is paid on maturity. Interest rates are subject to change without notice.

Term Deposit Length	Rate (%)
18 Month Special	1.15
1 Year Non-Callable	0.55
2 Year Non-Callable	0.85
3 Year Non-Callable	1.40
4 Year Non-Callable	1.65
5 Year Non-Callable	2.05

Borrowing

Posted / Discount** First Mortgage Rates	Rate (%)
Basic Variable Rate Mtg	3.45
Fixed - Commercial Base	2.95
Fixed - 6 Month - Open	5.75
Fixed - 1 year - Open	4.95
Fixed - 1 year - Closed	2.69
Fixed - 2 year - Closed	2.89
Fixed - 3 year - Closed	3.49
Fixed - 4 year - Closed	3.94
Fixed - 5 year - Closed	4.74
Fixed - 1 yr - Discount	2.49
Fixed - 2 yr - Discount	2.59
Fixed - 3 yr - Discount	2.69
Fixed - 4 yr - Discount	2.69
Fixed - 5 yr - Discount	2.39
Base rate (KCCU prime)	3.95

Errors and omissions excepted - Please call to confirm.

* Special rate applies to new funds only - time-limited offer may be discontinued at any time.

** All Discount rates are OAC (On approved credit) - Qualifying is based on credit and geography.