RATES

All rates as of July 16, 2024

Term Deposits/Guaranteed Investment Certificates (GICs)

High Interest Savings Account (HISA)

Term Deposit Length Rate (%)
21 Month Special 4.40
30 Day Non-Callable 2.25
60 Day Non-Callable 2.50
90 Day Non-Callable 2.75
120 Day Non-Callable 2.75
180 Day Non-Callable 3.25
270 Day Non-Callable 3.50
1 Year Non-Callable 4.50
2 Year Non-Callable 4.20
3 Year Non-Callable 4.15
4 Year Non-Callable 4.15
5 Year Non-Callable 4.20
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

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

Note: Interest compounded annually. Interest rates are subject to change without notice. 

Term Deposit LengthRate (%)
1 Year Callable rate1.70
1 Year Non-Callable4.50
2 Year Non-Callable4.20
3 Year Non-Callable4.15
4 Year Non-Callable4.15
5 Year Non-Callable4.20

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

Note: Interest compounded annually. Interest rates are subject to change without notice. 

Term Deposit LengthRate (%)
21 Month Special4.40
1 Year Non-Callable4.50
2 Year Non-Callable4.20
3 Year Non-Callable4.15
4 Year Non-Callable4.15
5 Year Non-Callable4.20

Borrowing

Personal Loans

as low as 6.84% variable (secured)**

Green Home Credit Line/Loan

as low as 6.99% variable (secured)**

Posted / Discount** First Mortgage Rates

 

Posted / Discount** First Mortgage RatesRate (%)
Basic Variable Rate Mtg (HELOC)6.95
Fixed – Commercial Base7.95
Fixed – 6 mo. or 1 yr – Open8.95
Fixed – 6 mo – Closed7.95
Fixed – 1 year – Closed7.69
Fixed – 2 years – Closed7.29
Fixed – 3 years – Closed6.94
Fixed – 4 years – Closed6.74
Fixed – 5 years – Closed6.79
Fixed – 1 yr – Discount (Closed)6.75
Fixed – 2 yr – Discount (Closed)6.39
Fixed – 3 yr – Discount (Closed)5.69
Fixed – 4 yr – Discount (Closed)5.59
Fixed – 5 yr – Discount (Closed)5.34
Fixed – 5 yr – CHMC (Closed)5.34
Base rate (KCCU Prime)7.95

 

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.

A third party is an individual or entity, other than the account holder or those authorized to give instructions about the account, who directs what happens with the account. For example, if an account were opened in one individual’s name for deposits that are directed by someone else, the other person or entity would be a third party.

  • A secondary piece of identification from the primary list above
  • Canadian Birth Certificate
  • Credit Card bearing the name and signature of the individual which has issued by a well-known and reputable Canadian financial institution
  • A CNIB (Canadian Institute for the Blind) client card bearing the individual’s photo and signature
  • Provincial Outdoors Card
  • Canadian University or College Student Card with photo (for student identification only)
  • An employee identification card (with photo) issued by an employer that is well known in the community (i.e. KGH, DND, Queens University, Corrections Canada, etc.)
  • Foreign passport
  • Canadian Passport
  • Permanent resident card
  • Citizenship card (issued prior to 2012)
  • Secure Certificate of Indian Status issued by the Government of Canada
  • Driver’s licenses issued by province or territory
  • The DND (Department of National Defense) 404 driver’s license
  • Nexus Card issued by Canada Border Services Agency
  • Provincial Service Cards
  • Provincial or territorial identity cards (i.e. Ontario Photo Identification Card)
  • Foreign Passport (only if it is equivalent to a Canadian issued photo identification document)