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Rates

Competitive, flexible rates for all your personal and business mortgage, loan, saving, and investment needs.

Rates are current as of July 18, 2024 and subject to change without notice. Conditions may apply.

Personal Accounts

Account
Account Balance
Interest Rate
Fee
High Interest Savings Account Less than $100K 3.55%
$100K - $249,999 3.60%
$250K** and over 3.75%
PLAN 24® Savings Account 2.55%
SaveWise™ Account*** On first $2,000 5.55%
Additional balance 3.55%
Monthly Savings Account 2.75%
Chequing 0.05%
Standard Pack Chequing 0.05% $0.00
Value Pack Chequing 0.05% $8.95
Classic Chequing 0.05% $15.50
E-Pack Chequing Non-interest $5.00
StudentFLEX™ Daily Account 0.05% $0.00
StudentFLEX™ Infinite Daily Account 0.05% $10.00
On Track Pack Chequing 0.05% $5.00
Golden Chequing Account 0.05% $0.00
SpendWise Account 0.05% $0.00
Rates last updated June 6, 2024. Rates subject to change without notice. **Limits may apply. PLAN 24® is a registered trademarks owned by Credit Union Central of Canada, used under license. ***Available exclusively for members 0-14 years old.

Rates are current as of July 18, 2024 and subject to change without notice. Conditions may apply.

GICs

Account
Account Balance
Interest Rate
Fee
GIC (RRSP / RRIF / TFSA / FHSA)
12-month Less than $100K 4.70%
$100K - $249,999 4.75%
$250K** and over 4.80%
13-month special Special Rate 5.00%
24-month Less than $100K 4.60%
$100K - $249,999 4.65%
$250K** and over 4.70%
36-month Less than $100K 4.30%
$100K - $249,999 4.35%
$250K** and over 4.40%
48-month Less than $100K 4.25%
$100K - $249,999 4.30%
$250K** and over 4.35%
60-month Less than $100K 4.15%
$100K - $249,999 4.20%
$250K** and over 4.25%
Index-Linked GIC Variable Return
Rates last updated June 21, 2024. Rates subject to change without notice. **Limits may apply.

Rates are current as of July 18, 2024 and subject to change without notice. Conditions may apply.

TFSA/RRSP/RRIF/FHSA

Account
Account Balance
Interest Rate
Fee
TFSA (variable) 3.80%
RRSP / RRIF (variable) Less than $100K 3.65%
$100K - $249,999 3.75%
$250K** and over 3.95%
FHSA (variable) 3.80%
Rates last updated June 6, 2024. Rates subject to change without notice. **Limits may apply.

Rates are current as of July 18, 2024 and subject to change without notice. Conditions may apply.

RESP/RDSP

Account
Account Balance
Interest Rate
Fee
RESP / RDSP (variable) 3.30%
GIC (RESP / RDSP)
12-month 4.45%
24-month 4.35%
36-month 4.05%
48-month 4.00%
60 month 3.90%
Rates last updated June 6, 2024. Rates subject to change without notice.

Rates are current as of July 18, 2024 and subject to change without notice. Conditions may apply.

Borrowing

Account
Account Balance
Interest Rate
Fee
Variable Capped Mortgage Rates Vary
Fixed 1-year Mortgage 5.90%
Fixed 2-year Mortgage 5.70%
Fixed 3-year Mortgage 5.30%
Fixed 4-year Mortgage 5.15%
Fixed 5-year Mortgage special Special Rate 4.80%
Closed Variable Mortgage 6.05%
Open Variable Mortgage 6.95%
Standard loan rate 6.95%
Line of Credit Starting at 7.95%
Personal Loan Starting at 7.95%
StudentFLEXTM Line of Credit Rates Vary
Overdraft Link Line 18.0%
e-Loan Rates Vary
Rates last updated July 3, 2024. Rates subject to change without notice. Applicable to fixed and variable mortgages, the annual percentage rate (APR) is equivalent to the annual interest rate (AIR), and assumes that no fee(s) apply. If fee(s) are required as part of the application processing, any fee(s) would increase your APR.

Rates are current as of July 18, 2024 and subject to change without notice. Conditions may apply.

Business and Agriculture

Account
Account Balance
Interest Rate
Fee
Business High Interest Savings Account Less than $100K 3.30%
$100K - $249,999 3.35%
$250K** and over 3.40%
PLAN 24® Savings Account 2.55%
Monthly Savings Account 2.75%
AgriInvest Savings Account 3.20%
Chequing 0.05%
Quality Pack Chequing 0.05% $16.50
Premium Pack Chequing 0.05% $30.00
Premium Pack II Chequing 0.05% $62.00
Standard Pack Chequing 0.05% $0
Lending Rates Vary
Lawyer / Realtor Trust Chequing 2.55%
Lawyer / Realtor Trust Savings 3.30%
Rates last updated June 6, 2024. Rates subject to change without notice. **Limits may apply. PLAN 24® is a registered trademarks owned by Credit Union Central of Canada, used under license.

Rates are current as of July 18, 2024 and subject to change without notice. Conditions may apply.

Charity and Community

Account
Account Balance
Interest Rate
Fee
Charity High Interest Savings Account Less than $100K 3.55%
$100K - $249,999 3.60%
$250K** and over 3.75%
Charity Monthly Savings Account 2.75%
Charity PLAN 24® Savings Account 2.55%
Charity Quality Pack Chequing 0.05% $16.50
Charity Premium Pack Chequing 0.05% $30.00
Charity Premium Pack II Chequing 0.05% $62.00
Charity Standard Pack Chequing 0.05% $0.00
Charity Chequing 0.05%
Community High Interest Savings Account Less than $100K 3.30%
$100K - $249,999 3.35%
$250K** and over 3.40%
Community PLAN 24® Savings Account 2.55%
Community Monthly Savings Account 2.75%
Community Value Pack Chequing 0.05% $8.95
Community Classic Pack Chequing 0.05% $15.50
Community Standard Pack Chequing 0.05% $0.00
Community E-Pack Chequing Non-interest $5.00
Community Chequing 0.05%
**Limits may apply. PLAN 24® is a registered trademarks owned by Credit Union Central of Canada, used under license. Rates last updated June 6, 2024. Rates subject to change without notice.

Rates are current as of July 18, 2024 and subject to change without notice. Conditions may apply.

US and Foreign Exchange

Account
Account Balance
Interest Rate
Fee
U.S. Chequing 0.05% $0
U.S. Dollar GIC
30-day 2.80%
60-day 2.85%
90-day 2.90%
12-month 4.00%
Member buying 1.3885
Member selling 1.3485
The U.S. dollar exchange rates posted above are for volumes of U.S. $1 - $4,999. For higher volume transactions, please call 1.800.728.6440.

Some restrictions may apply. Actual rates may vary.

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