Rates
All rates as of July 30th, 2020
Investing
Term Deposits/Guaranteed Investment Certificates (GICs)
| Term Deposit length | Rate (%) |
|---|---|
| 1 yr. Special rate < $10K* | 0.75 |
| 30 Day Non-Callable | 0.10 |
| 60 Day Non-Callable | 0.30 |
| 90 Day Non-Callable | 0.35 |
| 120 Day Non-Callable | 0.35 |
| 180 Day Non-Callable | 0.45 |
| 270 Day Non-Callable | 0.50 |
| 1 Year Non-Callable | 0.70 |
| 2 Year Non-Callable | 0.80 |
| 3 Year Non-Callable | 1.00 |
| 4 Year Non-Callable | 1.10 |
| 5 Year Non-Callable | 1.20 |
High Interest Savings Account (HISA)
| HISA balance | Rate (%) |
|---|---|
| $0 - $9,999 | 0.50 |
| $10,000 - $24,999 | 0.50 |
| $25,000 - $99,999 | 0.50 |
| $100,000 or more | 0.70 |
Details available under "Personal Accounts" (scroll down to end)
RRSP/RRIF/TFSA Posted Term Rates (under $10,000)
| Term Deposit Length | Rate (%) |
|---|---|
| 1 yr Special rate <$10K* | 0.85 |
| 1 Year Non-Callable | 0.70 |
| 2 Year Non-Callable | 0.80 |
| 3 Year Non-Callable | 1.00 |
| 4 Year Non-Callable | 1.10 |
| 5 Year Non-Callable | 1.20 |
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 Bonus Rates (Min. $10,000 - New Money)
| Deposit Length | Rate (%) |
|---|---|
| 32 mo yr Special rate >$10K* | 1.50 |
| 1 yr - Non-Callable | 1.00 |
| 2 yr. - Non-Callable | 1.00 |
| 3 yr. - Non-Callable | 1.10 |
| 4 yr. - Non-Callable | 1.30 |
| 5 yr. - Non-Callable | 1.50 |
Note: The interest rate is an annual rate, interest earned is paid on maturity. Interest rates are subject to change without notice.
Borrowing
First Mortgages - Term rates
| Posted / Discount** Rates | Rate (%) |
|---|---|
| Basic Variable Rate Mtg | 3.45 |
| Fixed - 6 month - Open | 6.75 |
| Fixed - 6 Month - Closed | 3.75 |
| Fixed - 6 mo. / 1 year - Open | 6.75 |
| Fixed - 1 year - Closed |
3.09 |
| Fixed - 2 year - Closed | 3.39 |
| Fixed - 3 year - Closed | 3.79 |
| Fixed - 4 year - Closed | 4.09 |
| Fixed - 5 year - Closed | 4.84 |
| Fixed - 1 yr - Discount | 2.99 |
| Fixed - 2 yr - Discount | 3.09 |
| Fixed - 3 yr - Discount | 3.19 |
| Fixed - 4 yr - Discount | 2.99 |
| Fixed - 5 yr - Discount | 2.59 |
| Base rate (Apr 7, 2020 - KCCU prime) | 3.95 |
Errors and omissions excepted - Please call to confirm.
* 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.