Rates
Competitive, flexible rates for all your personal and business mortgage, loan, saving, and investment needs.
Rates are current as of November 10, 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 | 2.00% | |
|---|---|---|---|
| $100K - $249,999 | 2.10% | ||
| $250K** and over | 2.20% |
| Standard Pack Chequing | 0.05% | $0.00 |
|---|
| Value Pack Chequing | 0.05% | $9.95 |
|---|
| Classic Chequing | 0.05% | $17.00 |
|---|
| Monthly Savings Account | 1.20% |
|---|
| E-Pack Chequing | Non-interest | $5.50 |
|---|
| PLAN 24® Savings Account | 1.00% |
|---|
| SaveWise™ Account*** | On first $2,000 | 4.00% | |
|---|---|---|---|
| Additional balance | 2.00% |
| SpendWise Account | 0.05% | $0.00 |
|---|
| 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 |
|---|
| Chequing | 0.05% |
|---|
| Disability Benefit Chequing | $0.00 |
|---|
Personal account rates last updated October 30, 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 November 10, 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% | ||
| 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% | ||
| 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 September 5, 2025. Rates subject to change without notice.
**Limits may apply.
Rates are current as of November 10, 2025 and subject to change without notice. Conditions may apply.
TFSA/RRSP/RRIF/FHSA
Account
Account Balance
Interest Rate
Fee
| TFSA (variable) | 2.25% |
|---|
| FHSA (variable) | 2.25% |
|---|
| RRSP / RRIF (variable) | Less than $100K | 2.10% | |
|---|---|---|---|
| $100K - $249,999 | 2.20% | ||
| $250K** and over | 2.40% |
TFSA/RRSP/RRIF/FHSA rates last updated October 30, 2025. Rates subject to change without notice.
**Limits may apply.
Rates are current as of November 10, 2025 and subject to change without notice. Conditions may apply.
RESP/RDSP
Account
Account Balance
Interest Rate
Fee
| RESP / RDSP (variable) | 1.75% |
|---|
| 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 October 30, 2025. Rates subject to change without notice.
Rates are current as of November 10, 2025 and subject to change without notice. Conditions may apply.
Borrowing
Account
Account Balance
Interest Rate
Fee
| High-Ratio Fixed 1-year Mortgage | 4.89% |
|---|
| High-Ratio Fixed 2-year Mortgage | 4.39% |
|---|
| 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 | 3.55% |
|---|
| Conventional Fixed 1-year Mortgage | 4.99% |
|---|
| Conventional Fixed 2-year Mortgage | 4.49% |
|---|
| 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 | 3.55% |
|---|
| Conventional Open Variable Mortgage | 4.45% |
|---|
| Variable Capped Mortgage | Rates Vary |
|---|
| Standard loan rate | 4.45% |
|---|
| Line of Credit | Starting at | 5.45% |
|---|
| Personal Loan | Starting at | 5.45% |
|---|
| StudentFLEXTM Line of Credit | Rates Vary |
|---|
| Overdraft Link Line | 18.0% |
|---|
| e-Loan | Rates Vary |
|---|
Borrowing rates last updated October 30, 2025. Rates subject to change without notice.
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.
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.
Rates are current as of November 10, 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 | 1.75% | |
|---|---|---|---|
| $100K - $249,999 | 1.80% | ||
| $250K** and over | 1.85% |
| Standard Pack Chequing | 0.05% | $0 |
|---|
| Lawyer / Realtor Trust Chequing | 1.00% |
|---|
| Lawyer / Realtor Trust Savings | 1.75% |
|---|
| Quality Pack Chequing | 0.05% | $18.25 |
|---|
| Premium Pack Chequing | 0.05% | $33.00 |
|---|
| Premium Pack II Chequing | 0.05% | $68.25 |
|---|
| Monthly Savings Account | 1.20% |
|---|
| PLAN 24® Savings Account | 1.00% |
|---|
| Chequing | 0.05% |
|---|
| Lending | Rates Vary |
|---|
| AgriInvest Savings Account | 1.65% |
|---|
Business and Agriculture account rates last updated October 30, 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 November 10, 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 | 2.00% | |
|---|---|---|---|
| $100K - $249,999 | 2.10% | ||
| $250K** and over | 2.20% |
| Charity Quality Pack Chequing | 0.05% | $18.00 |
|---|
| Community High Interest Savings Account | Less than $100K | 1.75% | |
|---|---|---|---|
| $100K - $249,999 | 1.80% | ||
| $250K** and over | 1.85% |
| Charity Premium Pack Chequing | 0.05% | $33.00 |
|---|
| Charity Standard Pack Chequing | 0.05% | $0.00 |
|---|
| Charity Monthly Savings Account | 1.20% |
|---|
| Charity Premium Pack II Chequing | 0.05% | $68.25 |
|---|
| Community Monthly Savings Account | 1.20% |
|---|
| Charity PLAN 24® Savings Account | 1.00% |
|---|
| Charity Chequing | 0.05% |
|---|
| Community PLAN 24® Savings Account | 1.00% |
|---|
| Community Standard Pack Chequing | 0.05% | $0.00 |
|---|
| Community Value Pack Chequing | 0.05% | $9.95 |
|---|
| Community E-Pack Chequing | Non-interest | $5.50 |
|---|
| Community Classic Pack Chequing | 0.05% | $17.00 |
|---|
| Community Chequing | 0.05% |
|---|
Charity and Community account rates last updated October 30, 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 November 10, 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 | 1.4222 |
|---|
| Member selling | 1.3822 |
|---|
| 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.