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Rates

For mortgages, personal loans, term deposits, and more.

Rates are effective September 27, 2025

Mortgages

First Residential Mortgages

List of rates for Fixed Rate – Closed
Fixed Rate – Closed Rate
1 Year
5.950%
2 Year
5.400%
3 Year
5.250%
4 Year
5.250%
5 Year
5.200%
7 Year
5.700%
List of rates for Variable Rate – Closed
Variable Rate – Closed Rate
1 Year
4.950%
2 Year
4.950%
5 Year
4.950%
List of rates for Fixed Rate – Open
Fixed Rate – Open Rate
1 Year
9.600%
Second Residential Mortgages
List of rates for Fixed Rate – Closed
Fixed Rate – Closed Rate
1-5 Year
10.000%

Loans

List of rates for Personal Loan
Personal Loan Rate
Fixed Rate
12.000%
Variable Rate
7.950%
List of rates for New Car Loan
New Car Loan Rate
Fixed Rate
8.500%
Variable Rate
7.450%

Prime Rate

List of rates for Prime Rate
Prime Rate Rate
Prime Rate
4.700%

Personal Accounts

List of rates for Chequable Savings
Chequable Savings Rate
Interest calculated on a minimum monthly balance
0.000%
List of rates for Basic Chequing/Basic Chequing Golden
Basic Chequing/Basic Chequing Golden Rate
None
0.000%
List of rates for Premium Chequing
Premium Chequing Rate
$0.00 - $999
0.000%
$1,000 - $4,999
0.000%
$5,000 - $9,999
0.000%
$10,000 - $24,999
0.000%
Over $25,000
0.150%
List of rates for Plan 24 Savings
Plan 24 Savings Rate
Interest calculated on a daily closing balance
0.250%
List of rates for Plan 24 Savings Golden
Plan 24 Savings Golden Rate
Available to members 55 years and older
0.300%
List of rates for Real Savings
Real Savings Rate
Minimum monthly balance of $500
0.750%
List of rates for T-Bill Savings Account
T-Bill Savings Account Rate
$0 - $2,999
0.550%
$3,000 - $4,999
0.600%
$5,000 - $9,999
0.700%
$10,000 - $49,999
0.750%
Over $50,000
0.800%
List of rates for US Account
US Account Rate
$0 - $499
0.000%
$500 - $4,999
0.250%
$5,000 - $9,999
0.250%
Over $10,000
0.250%

Term Deposits

List of rates for Real Savings Term Deposits Non-Redeemable - min $5,000
Real Savings Term Deposits Non-Redeemable - min $5,000 Rate
1 Year
2.700%
15 Month
2.700%
18 Month
2.750%
21 Month
2.750%
2 Year
2.800%
3 Year
2.850%
4 Year
2.900%
5 Year
3.000%
List of rates for Short Term Non-Redeemable
Short Term Non-Redeemable Rate
3 Month
1.500%
6 Month
1.600%
9 Month
1.750%
List of rates for Short Term Redeemable
Short Term Redeemable Rate
30-59 Days
1.450%
60-89 Days
1.550%
90-119 Days
1.600%
120-179 Days
1.600%
180-364 Days
1.650%
List of rates for US Non-Redeemable
US Non-Redeemable Rate
1 Month
1.500%
6 Month
2.100%
1 Year
2.000%
List of rates for Long Term Non-Redeemable
Long Term Non-Redeemable Rate
1 Year
2.600%
18 Month
2.650%
2 Year
2.700%
3 Year
2.750%
40 Month
2.750%
4 Year
2.800%
5 Year
2.900%
List of rates for Long Term Redeemable
Long Term Redeemable Rate
1 Year
1.500%
2 Year
1.750%
3 Year
1.900%
4 Year
2.050%
5 Year
2.100%
List of rates for Small Saver Long Term Non-Redeemable
Small Saver Long Term Non-Redeemable Rate
3 Year
2.750%
4 Year
2.800%
5 Year
2.900%

Registered Products (RRSP, RRIF, TFSA)

List of rates for Non-Redeemable
Non-Redeemable Rate
1 Year
2.600%
15 Month
2.600%
18 Month
2.650%
2 Year
2.700%
3 Year
2.750%
40 Month
2.750%
4 Year
2.800%
5 Year
2.900%

Credit Cards

In partnership with Collabria Financial Services Inc., we’re pleased to offer our members a wide variety of Mastercard ® credit card products. For a complete list of products and interest rates, please click here.

Ready to lock in a rate? Contact us today.

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For the United States (Dollar) current Exchange Rate, please contact our branches.

All rates are subject to change without notice. For a full list of products, please contact your branch.
 
 
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