Rates

All rates as of  September 28th, 2022

Investing

Term Deposits/Guaranteed Investment Certificates (GICs)

Term Deposit length   Rate (%)
32 Month Special 3.80
30 Day Non-Callable 1.00
60 Day Non-Callable 1.20
90 Day Non-Callable 1.50
120 Day Non-Callable 1.50
180 Day Non-Callable 1.75
270 Day Non-Callable 1.90
1 Year Non-Callable 3.00
2 Year Non-Callable 3.25
3 Year Non-Callable 3.50
4 Year Non-Callable 3.75
5 Year Non-Callable 4.00

High Interest Savings Account (HISA)  

HISA balance   Rate (%)
$0 - $9,999                     1.00
$10,000 - $24,999 1.00
$25,000 - $99,999 1.00
$100,000 or more 1.15

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

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

Term Deposit Length Rate (%)
1 Year Callable rate  0.50
1 Year Non-Callable 3.00
2 Year Non-Callable 3.25
3 Year Non-Callable 3.50
4 Year Non-Callable 3.75
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 (Members ONLY 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 (%)
32 Month Special  3.80
1 Year Non-Callable 3.05
2 Year Non-Callable 3.30
3 Year Non-Callable 3.55
4 Year Non-Callable 3.80
5 Year Non-Callable 4.05

RRSP/RRIF/TFSA/Term (Members ONLY 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 (%)
32 Month Special  3.80
1 Year Non-Callable 310
2 Year Non-Callable 3.35
3 Year Non-Callable 3.60
4 Year Non-Callable 3.75
5 Year Non-Callable 4.00

Borrowing

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Posted / Discount** First Mortgage Rates Rate (%)
Basic Variable Rate Mtg  (HELOC)      5.75
Fixed - Commercial Base 6.45
Fixed - 6 Mo. or 1 yr - Open 7.25
Fixed - 1 year - Closed 5.39
Fixed - 2 year - Closed 5.44
Fixed - 3 year - Closed 5.64
Fixed - 4 year - Closed 5.89
Fixed - 5 year - Closed 6.14
Fixed - 1 yr - Discount (Closed) 5.09
Fixed - 2 yr - Discount (Closed) 5.19
Fixed - 3 yr - Discount (Closed) 5.24
Fixed - 4 yr - Discount (Closed) 5.29
Fixed - 5 yr - Discount (Closed) 5.29
Fixed - 5 yr (CMHC) - (Closed - NEW) 5.14
Base rate (KCCU prime)  6.45

Errors and omissions excepted - Please call to confirm. Mortgage rates are guaranteed for 60 days from 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 and geography.