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.