Rates
All rates as of Nov 29th, 2023
Investing
Term Deposits/Guaranteed Investment Certificates (GICs)
| Term Deposit length | Rate (%) |
|---|---|
| 18 Month Special | 5.35 |
| 30 Day Non-Callable | 2.15 |
| 60 Day Non-Callable | 2.50 |
| 90 Day Non-Callable | 2.75 |
| 120 Day Non-Callable | 2.75 |
| 180 Day Non-Callable | 3.00 |
| 270 Day Non-Callable | 3.50 |
| 1 Year Non-Callable | 5.35 |
| 2 Year Non-Callable | 5.35 |
| 3 Year Non-Callable | 5.05 |
| 4 Year Non-Callable | 5.05 |
| 5 Year Non-Callable | 5.05 |
High Interest Savings Account (HISA)
| HISA balance | Rate (%) |
|---|---|
| $0 - $9,999 | 1.70 |
| $10,000 - $24,999 | 1.70 |
| $25,000 - $99,999 | 1.70 |
| $100,000 or more | 1.70 |
Details are available under "Personal Accounts" (scroll down to the end)
RRSP/RRIF/TFSA /FHSA Term Posted Rates (min. $500)
Note: Interest compounded annually. Interest rates are subject to change without notice.
| Term Deposit Length | Rate (%) |
|---|---|
| 1 Year Callable rate | 1.70 |
| 1 Year Non-Callable | 5.35 |
| 2 Year Non-Callable | 5.35 |
| 3 Year Non-Callable | 5.05 |
| 4 Year Non-Callable | 5.05 |
| 5 Year Non-Callable | 5.05 |
RRSP/RRIF/TFSA/FHSA Terms (Special rates $10K Min.)
Note: Interest compounded annually. Interest rates are subject to change without notice.
| Term Deposit Length | Rate (%) |
|---|---|
| 18 Month Special | 5.35 |
| 1 Year Non-Callable | 5.35 |
| 2 Year Non-Callable | 5.35 |
| 3 Year Non-Callable | 5.10 |
| 4 Year Non-Callable | 5.10 |
| 5 Year Non-Callable | 5.10 |
Borrowing
| Posted / Discount** First Mortgage Rates | Rate (%) |
|---|---|
| Basic Variable Rate Mtg (HELOC) | 7.35 |
| Fixed - Commercial Base | 8.20 |
| Fixed - 6 mo. or 1 yr - Open | 8.95 |
| Fixed - 6 mo - Closed | 7.94 |
| Fixed - 1 year - Closed | 7.84 |
| Fixed - 2 years - Closed | 7.44 |
| Fixed - 3 years - Closed | 7.24 |
| Fixed - 4 years - Closed | 7.04 |
| Fixed - 5 years - Closed | 7.04 |
| Fixed - 1 yr - Discount (Closed) | 7.59 |
| Fixed - 2 yr - Discount (Closed) | 7.34 |
| Fixed - 3 yr - Discount (Closed) | 6.79 |
| Fixed - 4 yr - Discount (Closed) | 6.69 |
| Fixed - 5 yr - Discount (Closed) | 5.99 |
| Fixed - 5 yr (CMHC) - (Closed) | 5.89 |
| Base rate (KCCU prime) | 8.20 |
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.