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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 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.

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