RATES

All rates as of May 22nd, 2025

Term Deposits/Guaranteed Investment Certificates (GICs)

High Interest Savings Account (HISA)

HISA BalanceRate (%)
$0 – $9,9991.00
$10,000 – $24,9991.00
$25,000 – $99,9991.00
$100,000 or more1.00

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 rate2.00
1 Year Non-Callable2.80
2 Year Non-Callable2.85
3 Year Non-Callable2.90
4 Year Non-Callable2.95
5 Year Non-Callable3.00

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

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

 

Term Deposit LengthRate (%)
14 Month Special3.10
1 Year Non-Callable2.80
2 Year Non-Callable2.85
3 Year Non-Callable2.90
4 Year Non-Callable3.00
5 Year Non-Callable3.10

 

Borrowing

Personal Loans

as low as 5.0% variable (secured)**

Green Home Credit Line/Loan

as low as 5.50% variable (secured)**

Posted / Discount** First Mortgage Rates

 

Posted / Discount** First Mortgage RatesRate (%)
Basic Variable Rate Mortgage (HELOC)5.50
Fixed – Commercial Base5.95
Fixed – 6 month or 1 year – Open5.95
Fixed – 6 month – Closed5.95
Fixed – 1 year – Closed5.95
Fixed – 2 years – Closed5.40
Fixed – 3 years – Closed5.75
Fixed – 4 years – Closed5.85
Fixed – 5 years – Closed5.95
Fixed – 1 year – Discount (Closed)5.50
Fixed – 2 year – Discount (Closed)4.95
Fixed – 3 year – Discount (Closed)4.45
Fixed – 4 year – Discount (Closed)4.40
Fixed – 5 year – Discount (Closed)4.30
Fixed – 5 year – CHMC (Closed)4.00
KCCU Base rate 5.95

Errors and omissions excepted – Please call to confirm. Mortgage rates are guaranteed for 60 days from the date of advance.

** All Discount rates are OAC (On approved credit) – Qualifying is based on credit, amortization, and geography.