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Prime Rate

5.50%

Rate effective 2025-03-13

Borrowing Rates

 

LOAN SPECIAL RATES*

*Rates subject to change at any time. Qualifications and conditions apply.

  1 YEAR 2 YEAR 3 YEAR 4 YEAR 5 YEAR
SECURED 6.49% 6.09% 5.85% 5.59% 5.65%
UNSECURED 6.99% 6.59% 6.31% 6.09% 6.15%
 
 

Residential and Mobile First Home Mortgage Rate Specials

*Rates posted are based on high-ratio insured mortgages and are not guaranteed.
Mortgage Description RATE – As low as
7 Year Fixed Rate Mortgage Term 4.58%*
5 Year Fix Rate Mortgage 3.99%*
3 Year Fixed Rate Mortgage Term 4.29%*
5 Year Variable Rate Mortgage 4.39%*
3 Year Variable Rate Mortgage 4.50%*
High Ratio Second Mortgage 7.26%*
Land-Only Low Ratio First Mortgage 7.26%*
  3 year
Uninsured		 5 year
Insured		 5 year
Uninsured		 7 year
Uninsured		 Broker
Rates		 3 year
Variable		 5 year
Variable
Posted Mortgage Rate 4.45 4.14 4.34 4.97 TBD 4.65
(prime - 0.85)		 4.54
(prime - 0.96)



CONVENTIONAL HOUSING & CLIP LOANS
  OPEN CLOSED
  6 MONTH 1 YEAR 1 YEAR 2 YEAR 3 YEAR 4 YEAR 5 YEAR 7 YEAR
HIGH RATIO CMHC – FIRST 9.9 9.9 6.34 5.97 6.41 6.17 6.36 6.47
HIGH RATIO CMHC – SECOND 10.9 10.9 7.34 6.97 7.41 7.17 7.36 7.47
LAND ONLY MORTGAGE
LOW RATIO – FIRST 10.9 10.9 7.34 6.97 7.41 7.17 7.36 7.47

* For Non Residents add 0.5% Premium to Published Rates
* Mortgage Rates may be held for up to 90 days

Investing Rates

Summer Saving Promo Rates

  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 
  Non-Redeemable Non-Redeemable Non-Redeemable
$500 2.90% 3.00% 3.10%
$25,000 2.95% 3.05% 3.20%
$100,000 3.00% 3.10% 3.25%

Lock in Your Rate Today >

 *Please note that all rates and promotional offers are subject to change without prior notice. Our credit union reserves the right to modify or end any rates and promotions at any time based on market conditions or other factors. We encourage our members to check our website regularly or contact us directly for the most current rate information.

Personal

Personal Non-Redeemable Term Deposits - RRSP, RRIF, LIF, RESP TFSA, Non-Registered (Rates effective 2025-05-08) Rates
30 - 59 Days  2.25%
60 - 89 Days 2.50%
90 - 119 Days 2.55%
120 - 179 Days 2.60%
180 - 269 Days 2.65%
270 - 364 Days 2.65%
1 Year 2.70%
2 Year 2.70%
3 Year 2.75%
4 Year 2.75%
5 Year 2.80%

Non-Redeemable ​GIC – no early redemption


Personal Redeemable Term Deposits – no redemption prior to 30 days: RRSP, RRIF, LIF, RESP, TFSA, Non-Registered – 12 Month Term – Redeemable After 30 Days (Rates effective 2025-05-08) Rates
$1,000 - $49,999 2.15%
$50,000 - $99,999 2.20%
$100,000 and Over 2.25%

Redeemable ​GIC - No redemption prior to 30 days

Commercial

Commercial Member Redeemable Term Deposits – 12 Month Term – Redeemable After 30 Days (Rates effective 2025-05-08) Rates
$1,000 - $49,999 2.25%
$50,000 - $99,999 2.30%
$100,000 and Over 2.35%​

Redeemable ​GIC - No redemption prior to 30 days

Account Rates

​Tax-Free Savings Variable Account (Rates effective 2022-12-01) Rates
TFSA Savings Account 0.75%

 

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

 

Personal ​Member Advantage (Rates effective 2025-02-13) Rates
$0.00 - $9,999.99 0.25%
$10,000.00 - $99,999.99 0.40%
$100,000.00 - $199,999.99 1.00%
$200,000.00 and Over 1.10%

 

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

0.01%

 

Personal 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 2025-02-13) Rates
$0.00 - $9,999.99 0.35%
$10,000.00 - $99,999.99 0.50%
$100,000.00 - $199,999.99 1.10%
$200,000.00 - $1,000,000.00 1.20%
$ 1,000,000.00 and Over 1.20%

 

Business SuperSaver (Rates effective 2025-02-13) Rates
$0.00 - $4,999.99 0.00%
$5,000.00 - $9,999.99 0.00%
$10,000.00 - $24,999.99 0.01%
$25,000.00 - $99,999.99 0.05%
$100,000.00 and Over 0.05%​

 

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

US Exchange

​Foreign Exchange (rates effective 2025-09-02) SVCU sells  SVCU buys
U.S. cash 1.4105 1.3325

* Exchange rates subject to change

 
 

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