Rates

All rates as of July 26th, 2022

Investing

Term Deposits/Guaranteed Investment Certificates (GICs)

Term Deposit length   Rate (%)
18 Month Special 2.60
30 Day Non-Callable 0.35
60 Day Non-Callable 0.35
90 Day Non-Callable 0.40
120 Day Non-Callable 0.40
180 Day Non-Callable 0.60
270 Day Non-Callable 0.80
1 Year Non-Callable 2.50
2 Year Non-Callable 2.75
3 Year Non-Callable 3.00
4 Year Non-Callable 3.25
5 Year Non-Callable 3.60

High Interest Savings Account (HISA)  

HISA balance   Rate (%)
$0 - $9,999                     0.85
$10,000 - $24,999 0.85
$25,000 - $99,999 0.85
$100,000 or more 1.00

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

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

Term Deposit Length Rate (%)
1 Year Callable rate  0.50
1 Year Non-Callable 2.50
2 Year Non-Callable 2.75
3 Year Non-Callable 3.00
4 Year Non-Callable 3.25
5 Year Non-Callable 3.60

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 (%)
18 Month Special  2.60
1 Year Non-Callable 2.55
2 Year Non-Callable 2.80
3 Year Non-Callable 3.05
4 Year Non-Callable 3.30
5 Year Non-Callable 3.65

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 (%)
18 Month Special  2.60
1 Year Non-Callable 2.60
2 Year Non-Callable 2.85
3 Year Non-Callable 3.10
4 Year Non-Callable 3.35
5 Year Non-Callable 3.70

Borrowing

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Posted / Discount** First Mortgage Rates Rate (%)
Basic Variable Rate Mtg  (HELOC)      5.20
Fixed - Commercial Base 5.70
Fixed - 6 Mo. or 1 yr - Open 6.25
Fixed - 1 year - Closed 4.74
Fixed - 2 year - Closed 5.14
Fixed - 3 year - Closed 5.34
Fixed - 4 year - Closed 5.64
Fixed - 5 year - Closed 5.99
Fixed - 1 yr - Discount (Closed) 4.79
Fixed - 2 yr - Discount (Closed) 5.04
Fixed - 3 yr - Discount (Closed) 5.14
Fixed - 4 yr - Discount (Closed) 5.19
Fixed - 5 yr - Discount (Closed) 5.29
Fixed - 5 yr (CMHC) - (Closed - NEW) 4.99
Base rate (KCCU prime)  5.70

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.