Rates

All rates as of  November 29th, 2022

Investing

Term Deposits/Guaranteed Investment Certificates (GICs)

Term Deposit length   Rate (%)
32 Month Special 3.80
30 Day Non-Callable 1.10
60 Day Non-Callable 1.30
90 Day Non-Callable 1.60
120 Day Non-Callable 1.60
180 Day Non-Callable 1.95
270 Day Non-Callable 2.15
1 Year Non-Callable 3.25
2 Year Non-Callable 3.50
3 Year Non-Callable 3.75
4 Year Non-Callable 4.00
5 Year Non-Callable 4.25

High Interest Savings Account (HISA)  

HISA balance   Rate (%)
$0 - $9,999                     1.30
$10,000 - $24,999 1.30
$25,000 - $99,999 1.30
$100,000 or more 1.45

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

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

Term Deposit Length Rate (%)
1 Year Callable rate  1.00
1 Year Non-Callable 3.25
2 Year Non-Callable 3.50
3 Year Non-Callable 3.75
4 Year Non-Callable 4.00
5 Year Non-Callable 4.25

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 3.35
2 Year Non-Callable 3.55
3 Year Non-Callable 3.80
4 Year Non-Callable 4.05
5 Year Non-Callable 4.30

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 3.45
2 Year Non-Callable 3.60
3 Year Non-Callable 3.85
4 Year Non-Callable 4.10
5 Year Non-Callable 4.35

Borrowing

 
Posted / Discount** First Mortgage Rates Rate (%)
Basic Variable Rate Mtg  (HELOC)      6.25
Fixed - Commercial Base 6.95
Fixed - 6 Mo. or 1 yr - Open 8.25
Fixed - 1 year - Closed 6.09
Fixed - 2 year - Closed 6.19
Fixed - 3 year - Closed 6.05
Fixed - 4 year - Closed 6.04
Fixed - 5 year - Closed 6.14
Fixed - 1 yr - Discount (Closed) 5.74
Fixed - 2 yr - Discount (Closed) 5.69
Fixed - 3 yr - Discount (Closed) 5.59
Fixed - 4 yr - Discount (Closed) 5.54
Fixed - 5 yr - Discount (Closed) 5.39
Fixed - 5 yr (CMHC) - (Closed - NEW) 5.29
Base rate (KCCU prime)  6.95

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 and geography.