Credit Union Prime Rateļ»æ
Giving you more opportunities to borrow smarter
5 Year Mortgage
CMHC insured
Rates effective as of 2026-07-16
| First Mortgage Rates - Closed | Rate |
| 1 year | 5.60% |
| 2 year | 5.10% |
| 3 year | 4.95% |
| 4 year | 5.00% |
| 5 year | 4.80% |
| 5 year term high ratio (CMHC insured) | 4.85% |
| Construction Mortgage | Prime + 0.5% |
Rates effective as of 2026-07-16
| Loans | Rate |
| New to 1 year old secured | 5.80% |
| Secured Loans (Including vehicles) | 7.35% |
| Unsecured Loans- as low as | 12.00% |
| Overdraft under $1000 | 21.00% |
Rates effective as of 2026-01-22
Term Deposits - Non Redeemable (RRSP, TFSA, RRIF, RESP) | Rate |
| 1 year | 2.45% |
| 2 year | 2.75% |
| 3 year | 2.75% |
| 4 year | 2.80% |
| 5 year | 3.00% |
| Rate Climber - Redeemable on 3rd & 4th Anniversary | Rate |
| 1 year | 2.75% |
| 2 year | 2.85% |
| 3 year | 2.95% |
| 4 year | 3.20% |
| 5 year | 3.50% |
| Effective Yield | 3.05% |
Rates effective as of 2026-01-22
| High Interest Savings | |
| HISA | 0.60% |
| TFSA HISA | 0.55% |
| RRSP, RRIF, RESP | 0.50% |
| Business High Interest Electronic Savings | |
| Less than $25,000 | 0.40% |
| Less than $250,000 | 0.65% |
| Less than $500,000 | 0.85% |
| Less than $1,000,000 | 0.95% |
| $1,000,000 and greater | 1.00% |
Try our handy calculators to explore how different rates affect your finances.
