Rates

All rates as of January 19th, 2021

Investing

Term Deposits/Guaranteed Investment Certificates (GICs)

Term Deposit length   Rate (%)
1 yr. Special rate min $10K 0.55
30 Day Non-Callable 0.10
60 Day Non-Callable 0.15
90 Day Non-Callable 0.20
120 Day Non-Callable 0.20
180 Day Non-Callable 0.30
270 Day Non-Callable 0.35
1 Year Non-Callable 0.45
2 Year Non-Callable 0.50
3 Year Non-Callable 0.60
4 Year Non-Callable 0.80
5 Year Non-Callable 0.95

High Interest Savings Account (HISA)  

HISA balance   Rate (%)
$0 - $9,999                     0.40
$10,000 - $24,999 0.40
$25,000 - $99,999 0.40
$100,000 or more 0.55

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

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

Term Deposit Length Rate (%)
1 Year Special rate  0.50
1 Year Non-Callable 0.45
2 Year Non-Callable 0.50
3 Year Non-Callable 0.60
4 Year Non-Callable 0.80
5 Year Non-Callable 0.95

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. $10K - New Money)

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 (%)
20 Month Special  1.10
1 Year Non-Callable 0.55
2 Year Non-Callable 0.60
3 Year Non-Callable 0.70
4 Year Non-Callable 0.90
5 Year Non-Callable 1.05

Borrowing

First Mortgages - Term rates
Posted / Discount** Rates Rate (%)
Basic Variable Rate Mtg        3.45
Fixed - 6 month - Open 6.25
Fixed - 6 Month - Closed 3.75
Fixed - 1 year - Open 6.25
Fixed - 1 year - Closed

2.79
Fixed - 2 year - Closed 2.94
Fixed - 3 year - Closed 3.45
Fixed - 4 year - Closed 4.04
Fixed - 5 year - Closed 4.74
Fixed - 1 yr - Discount  2.99
Fixed - 2 yr - Discount  2.89
Fixed - 3 yr - Discount  2.69
Fixed - 4 yr - Discount  2.59
Fixed - 5 yr - Discount  2.49
Base rate (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.