Rates

Investing

Term Deposits/Guaranteed Investment Certificates
Term Deposit length   Rate (%)
Special offer 30 mo.* 2.75
30 Day Non-Callable 0.10
60 Day Non-Callable 0.40
90 Day Non-Callable 0.50
120 Day Non-Callable 0.60
180 Day Non-Callable 0.60
270 Day Non-Callable 0.75
1 Year Non-Callable 1.20
2 Year Non-Callable 1.50
3 Year Non-Callable 1.80
4 Year Non-Callable 2.00
5 Year Non-Callable 2.20

RRSP/RRIF/TFSA Term Rates

Term Deposit Length Rate (%)
Special offer 60 mo. 3.10
1 Year Non-Callable 1.40
2 Year Non-Callable 1.50
3 Year Non-Callable 1.80
4 Year Non-Callable 2.00
5 Year Non-Callable 2.20

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. $100,000 - New Money)

Term Deposit Length Rate (%)
Special offer 60 months 3.25
12 month -Callable after 30 days 1.40
18 month -  Non-Callable 2.50
30 month  - Non-Callable 2.75
42 month  - Non-Callable 2.90
54 month - Non-Callable 3.20

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/ Discounted Rate (%)
Basic Variable Rate Mtg 4.30
Fixed - 6 month - Open 6.95
Fixed - 6 Month - Closed 4.50
Fixed - 1 year - Open 6.70
Fixed - 1 year - Closed

3.69

Fixed - 2 year - Closed 3.79
Fixed - 3 year - Closed 4.19
Fixed - 4 year - Closed 4.39
Fixed - 5 year - Closed 5.34
Fixed - 1 yr - Discount OAC 3.64
Fixed - 2 yr - Discount OAC 3.64
Fixed - 3 yr - Discount OAC 3.74
Fixed - 4 yr - Discount OAC. 3.84
Fixed - 5 yr - Discount OAC 3.94
Base rate (KCCU prime rate) 4.95

Errors and omissions excepted - Please call to confirm.

* Special 5 deposit year rate minimum $10,000 new funds only

OAC - ON approved credit - Qualifying for discount rates is based on credit and geography.