Rates
Investing
Term Deposits/Guaranteed Investment Certificates (GICs)
| Term Deposit length | Rate (%) |
|---|---|
| Special offer 24 mo.* | 2.20 |
| 30 Day Non-Callable | 0.10 |
| 60 Day Non-Callable | 0.40 |
| 90 Day Non-Callable | 0.50 |
| 120 Day Non-Callable | 0.60 |
| 180 Day Non-Callable | 0.60 |
| 270 Day Non-Callable | 0.75 |
| 1 Year Non-Callable | 1.45 |
| 2 Year Non-Callable | 1.60 |
| 3 Year Non-Callable | 1.80 |
| 4 Year Non-Callable | 2.00 |
| 5 Year Non-Callable | 2.10 |
High Interest Savings Account (HISA) - Coming Soon!
| HISA balance | Rate (%) |
|---|---|
| $0 - $9,999 | 0.50 |
| $10,000 - $24,999 | 0.75 |
| $25,000 - $99,999 | 1.30 |
| $100,000 or more | 1.55 |
Details available under "Personal Accounts" (scroll down to end)
RRSP/RRIF/TFSA Term Rates
| Term Deposit Length | Rate (%) |
|---|---|
| Special offer 24 mo.* | 2.10 |
| 1 Year Non-Callable | 1.45 |
| 2 Year Non-Callable | 1.60 |
| 3 Year Non-Callable | 1.80 |
| 4 Year Non-Callable | 2.00 |
| 5 Year Non-Callable | 2.10 |
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. $10,000 - New Money - Limited time offer)
| Term Deposit Length | Rate (%) |
|---|---|
| Special offer 24 mo.* | 2.20 |
| 1 yr - Non-Callable | 2.10 |
| 2 yr. - Non-Callable | 2.20 |
| 3 yr. - Non-Callable | 2.30 |
| 4 yr. - Non-Callable | 2.35 |
| 5 yr. - Non-Callable | 2.40 |
Note: For Under $10,000 (New money only) please subtract 10 basis points from the above-noted BONUS rates.
*The interest rate is an annual rate, interest earned is paid on maturity. Interest rates are subject to change without notice.
Borrowing
First Mortgages - Term rates
| Posted/ Discounted | Rate (%) |
|---|---|
| Basic Variable Rate Mtg | 4.30 |
| Fixed - 6 month - Open | 6.95 |
| Fixed - 6 Month - Closed | 4.50 |
| Fixed - 1 year - Open | 6.70 |
| Fixed - 1 year - Closed |
3.64 |
| Fixed - 2 year - Closed | 3.89 |
| Fixed - 3 year - Closed | 4.39 |
| Fixed - 4 year - Closed | 4.59 |
| Fixed - 5 year - Closed | 5.19 |
| Fixed - 1 yr - Discount ** | 3.64 |
| Fixed - 2 yr - Discount ** | 3.79 |
| Fixed - 3 yr - Discount ** | 3.89 |
| Fixed - 4 yr - Discount ** | 3.99 |
| Fixed - 5 yr - Discount ** | 3.79 |
| Base rate (KCCU prime) | 4.95 |
Errors and omissions excepted - Please call to confirm.
* Special rate minimum $10,000 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.