Rates
3-Year Fixed Rate High Ratio Mortgage Special
3.99%* (3.99%APR*)
5-Year Fixed Rate High Ratio Mortgage Special
4.39%* (4.37%APR*)
3-Year Fixed Rate Mortgage Special
4.59%* (4.57%APR*)
5-Year Fixed Rate Mortgage Special
4.59%* (4.56%APR*)
Variable-Rate Mortgage Special (Closed, Prime -0.20%)
4.25% (4.23%APR*)
Variable-Rate High-Ratio Mortgage Special (Closed -0.80%)
3.65% (3.64%APR*)
Fixed-Rate Mortgage
| Term | Rate | APR |
|---|---|---|
| 6-Month | 7.29% | 7.36% |
| 1 Year | 6.49% | 6.48% |
| 2 Year | 5.49% | 5.47% |
| 3 Year | 5.34% | 5.31% |
| 4 Year | 5.99% | 5.94% |
| 5 Year | 5.59% | 5.54% |
| 7 Year | 7.19% | 7.10% |
Cashback Mortgage
| Term | Rate | APR |
|---|---|---|
| 3-Year – 3% Cashback | 6.44% | 6.38% |
| 4-Year – 4% Cashback | 7.09% | 7.01% |
| 5-Year – 5% Cashback | 6.69% | 6.62% |
| 7-Year – 7% Cashback | 8.29% | 8.16% |
Variable-Rate Mortgage
| Term | Rate | APR |
|---|---|---|
| Closed | 4.45% (Prime) | 4.43% |
| Open | 5.45% (Prime +1.00%) | 5.47% |
Home Equity Line of Credit
| Term | Rate From |
|---|---|
| First and Second Mortgages | 5.45% (Prime +1.00%) |
| Open | 5.45% (Prime +1.00%) |
Additional premiums for non-owner occupied properties: +0.25%
Auto Loan Rates
Fixed, New Car Loan (Maximum Term)
| Term | Rate | APR |
|---|---|---|
| 4-Year Term (2021) | 5.69% | 5.86% |
| 6-Year Term (2022-2024) | 5.69% | 5.88% |
| 7-Year Term (2025) | 5.69% | 5.85% |
| 8-Year Term (2026+) | 5.69% | 5.83% |
Personal Loan Rates
Quick Loan ($10,000 Max)
7.99%*
100% Secured CU Line
Prime
Loans
| Term | Rate | APR | |
|---|---|---|---|
| 1-to-5-Year Term | Fixed Rate | From 8.50% | From 8.78% |
| 4-Year Term, $10,000 Maximum (plus all insurance) |
Fixed Rate | 7.99% | 8.06% |
| 1 Year RRSP Loan | Fixed Rate | 4.95% | 5.23% |
| 2 Year RRSP Loan | Fixed Rate | 5.95% | 6.15% |
| Personal Loan | Variable Rate | 8.45% (Prime +4.00%) | 9.54% |
| Maximizer RRSP Loan | Variable Rate | 5.70% (Prime +1.25%) | 5.93% |
Lines of Credit
| Term | Rate |
|---|---|
| CU Line – 100% Secured
Minimum spread of 1% from rate on deposit
|
From 4.45% (Prime) |
| CU Line – Unsecured | 6.95% (Prime +2.50%) |
| Student Line of Credit | 6.95% (Prime +2.50%) |
Overdraft Protection
| Rate | |
|---|---|
| CU Overdraft Protection | From 21.00% |
Personal Loan – 100% Secured
| Term | Rate |
|---|---|
| 1-Year Fixed | 1% greater than the rate on the deposit |
Investment Rates
1-Year GIC Special (RRSP, RRIF, TFSA and GIC)
3.30%*
2-Year GIC Special (RRSP, RRIF, TFSA and GIC)
3.35%*
3-Year GIC Special (RRSP, RRIF, TFSA and GIC)
3.40%*
4-Year GIC Special (RRSP, RRIF, TFSA and GIC)
3.50%*
5-Year GIC Special (RRSP, RRIF, TFSA and GIC)
3.60%*
1-Year Cashable GIC Special (RRSP, RRIF, TFSA and GIC)
2.75%*
Fixed-Rate Investments
(RRSP, RRIF, TFSA and GIC)
| Term | Rate |
|---|---|
| 1-Year | 2.95% |
| 2-Year | 2.95% |
| 3-Year | 2.95% |
| 4-Year | 3.05% |
| 5-Year | 3.05% |
Short-Term Deposits
(RRSP, RRIF, GIC and TFSA)
| Term | Rate |
|---|---|
| 30-89 Days | 0.20% |
| 90-179 Days | 0.25% |
| 180-364 Days | 0.40% |
Other
Investments
| Term | Rate |
|---|---|
| Step-By-Step GIC/TFSA/FHSA | 2.10% |
| Cashable, 1-Year GIC
Option for Annual Compounding on non-registered 3+ year terms
|
2.10% |
Currency Exchange Rates
Buying = Member Buys Foreign Currency
Selling = Member Sells Foreign Currency
The rates on this page are against Canadian dollars and apply to transactions up to $999. Rates can only be guaranteed at the time the purchase or sale is conducted. Rates are provided for information purposes only and are subject to change at any time.
