All rates as of January 26th, 2023

Investing

Term Deposits/Guaranteed Investment Certificates (GICs)

Term Deposit length	Rate (%)
17 Month Special	4.00
30 Day Non-Callable	1.10
60 Day Non-Callable	1.30
90 Day Non-Callable	1.60
120 Day Non-Callable	1.60
180 Day Non-Callable	1.95
270 Day Non-Callable	2.15
1 Year Non-Callable	3.25
2 Year Non-Callable	3.60
3 Year Non-Callable	3.75
4 Year Non-Callable	4.00
5 Year Non-Callable	4.00

High Interest Savings Account (HISA)  

HISA balance	Rate (%)
$0 - $9,999	1.50
$10,000 - $24,999	1.50
$25,000 - $99,999	1.50
$100,000 or more	1.50

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

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

Term Deposit Length	Rate (%)
1 Year Callable rate	1.50
1 Year Non-Callable	3.25
2 Year Non-Callable	3.60
3 Year Non-Callable	3.80
4 Year Non-Callable	4.00
5 Year Non-Callable	4.00

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 (Special rates $500 Min.) 

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 (%)
17 Month Special	4.00
1 Year Non-Callable	3.30
2 Year Non-Callable	3.65
3 Year Non-Callable	3.85
4 Year Non-Callable	4.05
5 Year Non-Callable	4.05

RRSP/RRIF/TFSA/Term (Special rates $10K Min.) 

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 (%)
17 Month Special	4.00
1 Year Non-Callable	3.40
2 Year Non-Callable	3.70
3 Year Non-Callable	3.90
4 Year Non-Callable	4.10
5 Year Non-Callable	4.10

Borrowing

Posted / Discount** First Mortgage Rates	Rate (%)
Basic Variable Rate Mtg  (HELOC)	7.00
Fixed - Commercial Base	7.70
Fixed - 6 Mo. or 1 yr - Open	8.25
Fixed - 1 year - Closed	6.09
Fixed - 2 year - Closed	6.19
Fixed - 3 year - Closed	6.05
Fixed - 4 year - Closed	6.04
Fixed - 5 year - Closed	6.29
Fixed - 1 yr - Discount (Closed)	5.74
Fixed - 2 yr - Discount (Closed)	5.69
Fixed - 3 yr - Discount (Closed)	5.59
Fixed - 4 yr - Discount (Closed)	5.54
Fixed - 5 yr - Discount (Closed)	5.39
Fixed - 5 yr (CMHC) - (Closed - NEW)	5.34
Base rate (KCCU prime)	7.70

Errors and omissions excepted - Please call to confirm. Mortgage rates are guaranteed for 60 days from the date of advance.

* 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, amortization, and geography.