Rates
Competitive, flexible rates for all your personal and business mortgage, loan, saving, and investment needs.
Rates are current as of November 26, 2022 and subject to change without notice. Conditions may apply.
Personal Accounts
Account
Account Balance
Interest Rate
Fee
| Regular Savings | Less than $100K | 3.10% | |
|---|---|---|---|
| $100K - $249,999 | 3.15% | ||
| $250K** and over | 3.30% |
| PLAN 24® Savings | 2.10% |
|---|
| SaveWise™ Account*** | On first $2,000 | 5.10% | |
|---|---|---|---|
| Additional balance | 3.10% |
| Monthly Savings | 2.30% |
|---|
| 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 | 0.05% | $0.00 |
|---|
| SpendWise Account | 0.05% | $0.00 |
|---|
**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 November 26, 2022 and subject to change without notice. Conditions may apply.
GICs
Account
Account Balance
Interest Rate
Fee
| GIC (RRSP / RRIF / TFSA) | |||
|---|---|---|---|
| 12-month | Less than $100K | 4.50% | |
| $100K - $249,999 | 4.55% | ||
| $250K** and over | 4.60% | ||
| 24-month | Less than $100K | 4.60% | |
| $100K - $249,999 | 4.65% | ||
| $250K** and over | 4.70% | ||
| 36-month | Less than $100K | 4.80% | |
| $100K - $249,999 | 4.85% | ||
| $250K** and over | 4.90% | ||
| 48-month | Less than $100K | 4.85% | |
| $100K - $249,999 | 4.90% | ||
| $250K** and over | 4.95% | ||
| 60-month | Less than $100K | 5.10% | |
| $100K - $249,999 | 5.15% | ||
| $250K** and over | 5.20% |
| Index-Linked GIC | Variable Return |
|---|
**Limits may apply.
Rates are current as of November 26, 2022 and subject to change without notice. Conditions may apply.
TFSA/RRSP/RRIF
Account
Account Balance
Interest Rate
Fee
| TFSA (variable) | 3.35% |
|---|
| RRSP / RRIF (variable) | Less than $100K | 3.20% | |
|---|---|---|---|
| $100K - $249,999 | 3.30% | ||
| $250K** and over | 3.50% |
**Limits may apply.
Rates are current as of November 26, 2022 and subject to change without notice. Conditions may apply.
RESP/RDSP
Account
Account Balance
Interest Rate
Fee
| RESP / RDSP (variable) | 2.85% |
|---|
| GIC (RESP / RDSP) | |||
|---|---|---|---|
| 12-month | 4.25% | ||
| 24-month | 4.35% | ||
| 36-month | 4.55% | ||
| 48-month | 4.60% | ||
| 60 month | 4.85% |
Rates are current as of November 26, 2022 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 | 4.85% |
|---|
| Fixed 2-year Mortgage | 5.00% |
|---|
| Fixed 3-year Mortgage | 5.10% |
|---|
| Fixed 4-year Mortgage | 5.35% |
|---|
| Fixed 5-year Mortgage | 5.55% |
|---|
| Closed Variable (APR†) Mortgage | 5.25% |
|---|
| Open Variable (APR†) Mortgage | 5.95% |
|---|
| Standard loan rate | 5.95% |
|---|
| Line of Credit | Starting at | 6.95% |
|---|
| Personal Loan | Starting at | 6.95% |
|---|
| StudentFLEXTM Line of Credit | Rates Vary |
|---|
| Overdraft Link Line | 18.0% |
|---|
| e-Loan | Rates Vary |
|---|
Rates are current as of November 26, 2022 and subject to change without notice. Conditions may apply.
Business and Agriculture
Account
Account Balance
Interest Rate
Fee
| Business Regular Savings | Less than $100K | 2.80% | |
|---|---|---|---|
| $100K - $249,999 | 2.85% | ||
| $250K** and over | 2.90% |
| PLAN 24® Savings | 2.10% |
|---|
| Monthly Savings | 2.30% |
|---|
| AgriInvest | 2.75% |
|---|
| 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 | 2.10% |
|---|
| Lawyer / Realtor Trust Savings | 2.85% |
|---|
**Limits may apply.
PLAN 24® is a registered trademarks owned by Credit Union Central of Canada, used under license.
Rates are current as of November 26, 2022 and subject to change without notice. Conditions may apply.
Charity and Community
Account
Account Balance
Interest Rate
Fee
| Charity Regular Savings | Less than $100K | 3.10% | |
|---|---|---|---|
| $100K - $249,999 | 3.15% | ||
| $250K** and over | 3.30% |
| Charity Monthly Savings | 2.30% |
|---|
| Charity PLAN 24® Savings | 2.10% |
|---|
| 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 Regular Savings | Less than $100K | 2.80% | |
|---|---|---|---|
| $100K - $249,999 | 2.85% | ||
| $250K** and over | 2.90% |
| Community PLAN 24® Savings | 2.10% |
|---|
| Community Monthly Savings | 2.30% |
|---|
| 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 are current as of November 26, 2022 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 | 0.50% | ||
| 60-day | 0.65% | ||
| 90-day | 0.80% | ||
| 12-month | 3.00% |
| Member buying | 1.3588 |
|---|
| Member selling | 1.3188 |
|---|
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.
Some restrictions may apply. Actual rates may vary.