Skip to main content
  • Rates

​Prime Rate

7.75%

Rate effective 2023-07-14

 

Community Bond


  12 Month 
Cashable after 90 days with no penalty  
12 Month 
Auto renews into a 1 year term at maturity 
24 Month 
Auto renews into a 2 year term at maturity 
60 Month 
20% of original balance redeemable on anniversary with no penalty 
  Redeemable Non-Redeemable Non-Redeemable Non-Redeemable
$500 3.25% 5.00% 5.00% 4.15%
$25,000 3.50% 5.05% 5.00% 4.25%
$100,000 3.75% 5.10% 5.05% 4.35%

​Investing Rates

Non-Redeemable ​GIC – no early redemption

Redeemable GIC redemption policies

  • Prior to 30 days – No Interest Paid 
  • After 30 days – 2.25% Penalty to a minimum rate paid on the deposit of 0%

Personal

Non-Redeemable GIC (Rates effective 2023-07-01) Rates
30 - 59 Days 2.00%
60 - 89 Days 2.25%
90 - 119 Days 2.50%
120 - 179 Days 2.50%
180 - 269 Days 2.75%
270 - 364 Days 2.90%
1 Year 3.25%
2 Year 3.50%
3 Year 3.60%
4 Year 3.60%
5 Year 3.75%

 

Redeemable GIC (Rates effective 2023-07-01) Rates
30 - 59 Days  1.75%
60 - 89 Days 2.00%
90 - 119 Days 2.25%
120 - 179 Days 2.25%
180 - 269 Days 2.50%
270 - 364 Days 2.65%
1 Year 2.55%
2 Year 2.75%
3 Year 2.75%
4 Year 2.75%
5 Year 2.75%

 

Commercial

Commercial Member Redeemable GIC – 12 Month Term – Redeemable After 30 Days (Rates effective 2022-11-07) Rates
$1,000 - $49,999 2.10%
$50,000 - $99,999 2.85%
$100,000 and Over 3.10%​
18mo GIC Promotional Rate
(Product no Longer Available)

4.55%
​RRSP, RRIF, LIF, RESP Variable Accounts (Rates effective 2022-12-01) Rates
Savings Accounts 0.75%

 

RRSP, RRIF, LIF, RESP Term Deposits (Rates effective 2023-07-01) Rates
 6 - 11 months 2.00%
1 Year 3.25%
2 Year 3.50%
3 Year 3.60%
4 Year 3.60%
5 Year 3.75%​
​Tax-Free Savings Variable Account (Rates effective 2022-12-01) Rates
TFSA Savings Account 0.75%

 

Tax-Free Savings Account Non-Redeemable GIC (Rates effective 2023-07-01)
Rates
30 - 59 Days 2.00%
60 - 89 Days 2.25%
90 - 119 Days 2.50%
120 - 179 Days 2.50%
180 - 269 Days 2.75%
270 - 364 Days 2.90%
1 Year 3.25%
2 Year 3.50%
3 Year 3.60%
4 Year 3.60%
5 Year 3.75%

 

Tax Free Savings Account Redeemable Term (Rates effective 2023-07-01) Rates
30 - 59 Days 1.75%
60 - 89 Days 2.00%
90 - 119 Days 2.25%
120 - 179 Days 2.25%
180 - 269 Days 2.50%
270 - 364 Days 2.65%
1 Year 2.55%
2 Year 2.75%
3 Year 2.75%
4 Year 2.75%
5 Year 2.75%​

Borrowing Rates

Rate Specials

1 Year Mortgage Special (Rates effective 2023-07-01) Rates
Fixed Rate Mortgage 1 Year Term - as low as* 7.09%

 

5 Year Mortgage Special (Rates effective 2023-07-14) Rates
Fixed Rate Mortgage 5 Year Term - as low as* 6.24%

 

3 Year Variable Rate Mortgage (Rates effective 2023-07-14) Rates
Prime for a 3 Year Term - as low as* 7.75%

 

Conventional Housing High Ratio CMHC(Rates effective 2023-08-01) Rates
First Mortgage - as low as* 7.54%
Second Mortgage - as low as* 8.54%

 

D/W and S/W Mobile Homes (Rates effective 2023-08-01) Rates
CMHC CLIP - as low as* 8.04%

 

Land-Only Mortgage (Rates effective 2023-08-01) Rates
Low Ratio First Mortgage - as low as* 8.54%

 

Posted Rates

1 Year Closed (Rates effective 2023-08-01) Rates
Fixed Rate First Mortgage 1 Year Term - as low as* 7.54%

 

2 Year Closed (Rates effective 2023-08-01) Rates
Fixed Rate First Mortgage 2 Year Term - as low as* 7.01%

 

3 Year Closed (Rates effective 2023-08-01) Rates
Fixed Rate First Mortgage 3 Year Term - as low as* 6.74%

 

4 Year Closed (Rates effective 2023-08-01) Rates
Fixed Rate First Mortgage 4 Year Term - as low as* 6.51%

 

5 Year Closed (Rates effective 2023-8-01) Rates
Fixed Rate First Mortgage 5 Year Term - as low as* 6.56%


*Final rate determined by all aspects of your application and your financial relationship with StellerVista. 

Consumer Loans (Rates effective 2023-08-01) Rates
1 to 5 year terms 8.86%

 

Motorized Vehicle Loans (Rates effective 2022-07-26) Rates
3 to 5 year terms 

* For 2020 models or newer
* Some conditions apply
5.99%

 

MemberLine Lines of Credit (Rates effective 2023-08-01) Rates
Rates as low as Prime + 0.50% 8.25%​

 

Account Rates

​Member Advantage – Personal (Rates effective 2022-12-01) Rates
$0.00 - $9,999.99 0.40%
$10,000.00 - $99,999.99 1.30%
$100,000.00 - $199,999.99 1.35%
$200,000.00 and Over 1.40%

 

SuperSaver Account – Legacy Account (Rates effective 2022-06-17) Rates
All balances

0.01%

 

Golden Chequing Account (Rates effective 2022-06-17) Rates
All balances 0.01%

 

MasterPlan & PlanPlus Account (Rates effective 2022-06-17) Rates
$0.00 - $499.99 0.00%
$500.00 and Over 0.00%

 

MAXIMIZER® Account – Legacy Account (Rates effective 2022-06-17) Rates
$0.00 - $4,999.99  0.01%
$5,000.00 - $9,999.99 0.01%
$10,000.00 - $24,999.99 0.01%
$25,000.00 - $99,999.99 0.01%
$100,000.00 and Over 0.01%

 

iGROW (Rates effective 2022-06-17) RATES
$0.00 - $4,999.99 0.01%
$5,000.00 - $9,999.99 0.01%
$10,000.00 - $24,999.99 0.01%
$25,000.00 - $99,999.99 0.01%
$100,000.00 and Over 0.01%

 

U.S. Savings Account (Rates effective 2022-06-17) Rates
$0.00 - $4,999.99 0.00%
$5,000.00 - $9,999.99 0.00%
$10,000.00 - $24,999.99 0.04%
$25,000.00 - $99,999.99 0.04%
$100,000.00 and Over 0.04%

 

​Member Advantage – Commercial (Rates effective 2022-12-01) Rates
$0.00 - $9,999.99 0.45%
$10,000.00 - $99,999.99 1.35%
$100,000.00 - $199,999.99 1.40%
$200,000.00 - $1,000,000.00 1.45%
$ 1,000,000.00 and Over 1.50%

 

Strictly Business Account (Rates effective 2022-06-21) Rates
$0.00 - $4,999.99 0.00%
$5,000.00 - $9,999.99 0.00%
$10,000.00 - $24,999.99 0.00%
$25,000.00 - $99,999.99 0.00%
$100,000.00 and Over 0.00%

 

Service Plus Chequing Account – non-profit organizations (Rates effective (Rates effective 2022-06-21) Rates
All balances 0.01%

 

Business Savings Account (Rates effective 2022-06-21) Rates
$0.00 - $4,999.99 0.01%
$5,000.00 - $9,999.99 0.01%
$10,000.00 - $24,999.99 0.01%
$25,000.00 - $99,999.99 0.05%
$100,000.00 and Over 0.05%​

 

Commercial Member Redeemable GIC – 12 Month Term – Redeemable After 30 Days (Rates effective 2022-11-07) Rates
$1,000 - $49,999 2.10%
$50,000 - $99,999 2.85%
$100,000 and Over 3.10%​
 

Foreign Exchange

  ​Foreign Exchange (Rates effective 2023-09-29) SVCU sells  SVCU buys
  U.S. cash 1.3787 1.3007

* Exchange rates subject to change

 
EKCCU_Rates_CTA2_600x365px.jpg

​Ready to lock in your rate?

​Get in touch! Our team will be happy to help you get set up. 

 

​Financial calculators

​From mortgages to investments to currency conversion, our handy calculators will help you estimate how different rates influence your finances.

EKCCU_Rates_CTA1_600x365px.jpg