Rates
Competitive, flexible rates for all your personal and business mortgage, loan, saving, and investment needs.
Rates are current as of July 27, 2025 and subject to change without notice. Conditions may apply.
Personal Accounts
Account
Account Balance
Interest Rate
Fee
| High Interest Savings Account | Less than $100K | 2.25% | |
|---|---|---|---|
| $100K - $249,999 | 2.35% | ||
| $250K** and over | 2.45% |
| PLAN 24® Savings Account | 1.25% |
|---|
| SaveWise™ Account*** | On first $2,000 | 4.25% | |
|---|---|---|---|
| Additional balance | 2.25% |
| Monthly Savings Account | 1.45% |
|---|
| Chequing | 0.05% |
|---|
| Standard Pack Chequing | 0.05% | $0.00 |
|---|
| Value Pack Chequing | 0.05% | $9.95 |
|---|
| Classic Chequing | 0.05% | $17.00 |
|---|
| E-Pack Chequing | Non-interest | $5.50 |
|---|
| StudentFLEX™ Daily Account | 0.05% | $0.00 |
|---|
| StudentFLEX™ Infinite Daily Account | 0.05% | $11.00 |
|---|
| On Track Pack Chequing | 0.05% | $5.50 |
|---|
| Golden Chequing Account | 0.05% | $0.00 |
|---|
| SpendWise Account | 0.05% | $0.00 |
|---|
| Disability Benefit Chequing | $0.00 |
|---|
Personal account rates last updated July 25, 2025. 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 27, 2025 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 | 3.45% | |
| $100K - $249,999 | 3.50% | ||
| $250K** and over | 3.55% | ||
| 22-month special Special Rate | 3.55% | ||
| 24-month | Less than $100K | 3.45% | |
| $100K - $249,999 | 3.50% | ||
| $250K** and over | 3.55% | ||
| 36-month | Less than $100K | 3.50% | |
| $100K - $249,999 | 3.55% | ||
| $250K** and over | 3.60% | ||
| 47-month special Special Rate | 3.75% | ||
| 48-month | Less than $100K | 3.55% | |
| $100K - $249,999 | 3.60% | ||
| $250K** and over | 3.65% | ||
| 60-month | Less than $100K | 3.60% | |
| $100K - $249,999 | 3.65% | ||
| $250K** and over | 3.70% |
| Index-Linked GIC | Variable Return |
|---|
GIC rates last updated July 25, 2025. Rates subject to change without notice.
**Limits may apply.
Rates are current as of July 27, 2025 and subject to change without notice. Conditions may apply.
TFSA/RRSP/RRIF/FHSA
Account
Account Balance
Interest Rate
Fee
| TFSA (variable) | 2.50% |
|---|
| RRSP / RRIF (variable) | Less than $100K | 2.35% | |
|---|---|---|---|
| $100K - $249,999 | 2.45% | ||
| $250K** and over | 2.65% |
| FHSA (variable) | 2.50% |
|---|
TFSA/RRSP/RRIF/FHSA rates last updated July 25, 2025. Rates subject to change without notice.
**Limits may apply.
Rates are current as of July 27, 2025 and subject to change without notice. Conditions may apply.
RESP/RDSP
Account
Account Balance
Interest Rate
Fee
| RESP / RDSP (variable) | 2.00% |
|---|
| GIC (RESP / RDSP) | |||
|---|---|---|---|
| 12-month | 3.20% | ||
| 24-month | 3.20% | ||
| 36-month | 3.25% | ||
| 48-month | 3.30% | ||
| 60 month | 3.35% |
RESP/RDSP rates last updated July 25, 2025. Rates subject to change without notice.
Rates are current as of July 27, 2025 and subject to change without notice. Conditions may apply.
Borrowing
Account
Account Balance
Interest Rate
Fee
| Variable Capped Mortgage | Rates Vary |
|---|
| Conventional Fixed 1-year Mortgage | 5.09% |
|---|
| Conventional Fixed 2-year Mortgage | 4.69% |
|---|
| Conventional Fixed 3-year Mortgage | 4.19% |
|---|
| Conventional Fixed 4-year Mortgage | 4.09% |
|---|
| Conventional Fixed 5-year Mortgage | 4.09% |
|---|
| Conventional Closed Variable Mortgage | 4.05% |
|---|
| Conventional Open Variable Mortgage | 4.95% |
|---|
| Standard loan rate | 4.95% |
|---|
| Line of Credit | Starting at | 5.95% |
|---|
| Personal Loan | Starting at | 5.95% |
|---|
| StudentFLEXTM Line of Credit | Rates Vary |
|---|
| Overdraft Link Line | 18.0% |
|---|
| e-Loan | Rates Vary |
|---|
| High-Ratio Fixed 1-year Mortgage | 4.99% |
|---|
| High-Ratio Fixed 2-year Mortgage | 4.59% |
|---|
| High-Ratio Fixed 3-year Mortgage | 4.09% |
|---|
| High-Ratio Fixed 4-year Mortgage | 3.99% |
|---|
| High-Ratio Fixed 5-year Mortgage | 3.99% |
|---|
| High-Ratio Closed Variable Mortgage | 4.05% |
|---|
Borrowing rates last updated July 25, 2025. Rates subject to change without notice.
Conventional mortgage rates apply to 25-year amortization period or less with down payments of 20% or greater. See your lending specialist for rates on mortgages with alternative amortization periods.
If fee(s) are required as part of the application processing, any fee(s) would increase your APR.
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.
High Ratio mortgage rates apply to 25-year amortization period or less with a down payment of less than 20%, purchasing a residential property valued up to $1,500,000,
who are eligible for and purchase mortgage default insurance and meet other conditions.
Rates are current as of July 27, 2025 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 | 2.00% | |
|---|---|---|---|
| $100K - $249,999 | 2.05% | ||
| $250K** and over | 2.10% |
| PLAN 24® Savings Account | 1.25% |
|---|
| Monthly Savings Account | 1.45% |
|---|
| AgriInvest Savings Account | 1.90% |
|---|
| Chequing | 0.05% |
|---|
| Quality Pack Chequing | 0.05% | $18.25 |
|---|
| Premium Pack Chequing | 0.05% | $33.00 |
|---|
| Premium Pack II Chequing | 0.05% | $68.25 |
|---|
| Standard Pack Chequing | 0.05% | $0 |
|---|
| Lending | Rates Vary |
|---|
| Lawyer / Realtor Trust Chequing | 1.25% |
|---|
| Lawyer / Realtor Trust Savings | 2.00% |
|---|
Business and Agriculture account rates last updated July 25, 2025. 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 27, 2025 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 | 2.25% | |
|---|---|---|---|
| $100K - $249,999 | 2.35% | ||
| $250K** and over | 2.45% |
| Charity Monthly Savings Account | 1.45% |
|---|
| Charity PLAN 24® Savings Account | 1.25% |
|---|
| Charity Quality Pack Chequing | 0.05% | $18.00 |
|---|
| Charity Premium Pack Chequing | 0.05% | $33.00 |
|---|
| Charity Premium Pack II Chequing | 0.05% | $68.25 |
|---|
| Charity Standard Pack Chequing | 0.05% | $0.00 |
|---|
| Charity Chequing | 0.05% |
|---|
| Community High Interest Savings Account | Less than $100K | 2.00% | |
|---|---|---|---|
| $100K - $249,999 | 2.05% | ||
| $250K** and over | 2.10% |
| Community PLAN 24® Savings Account | 1.25% |
|---|
| Community Monthly Savings Account | 1.45% |
|---|
| Community Value Pack Chequing | 0.05% | $9.95 |
|---|
| Community Classic Pack Chequing | 0.05% | $17.00 |
|---|
| Community Standard Pack Chequing | 0.05% | $0.00 |
|---|
| Community E-Pack Chequing | Non-interest | $5.50 |
|---|
| Community Chequing | 0.05% |
|---|
Charity and Community account rates last updated July 25, 2025. 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 27, 2025 and subject to change without notice. Conditions may apply.
US and Foreign Exchange
Account
Account Balance
Interest Rate
Fee
| U.S. Chequing | 0.05% | $0.00 |
|---|
| U.S. Dollar GIC | |||
|---|---|---|---|
| 30-day | 2.80% | ||
| 60-day | 2.85% | ||
| 90-day | 2.90% | ||
| 12-month | 4.00% |
| Member buying | 1.3892 |
|---|
| Member selling | 1.3492 |
|---|
| Business U.S. Chequing | 0.05% | $0 |
|---|
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.