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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 6.52 6.26 6.53 6.26 6.46 6.55
HIGH RATIO CMHC – SECOND 10.9 10.9 7.52 7.26 7.53 7.26 7.46 7.55
LAND ONLY MORTGAGE
LOW RATIO – FIRST 10.9 10.9 7.52 7.26 7.53 7.26 7.46 7.55

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

Investing Rates

Personal

Personal Non-Redeemable Term Deposits - RRSP, RRIF, LIF, RESP TFSA, Non-Registered (Rates effective 2025-03-13) 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 2.75%
3 Year 2.80%
4 Year 2.80%
5 Year 2.85%

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 2025-03-13) Rates
$1,000 - $49,999 2.40%
$50,000 - $99,999 2.45%
$100,000 and Over 2.50%

Redeemable ​GIC - No redemption prior to 30 days

Commercial

Commercial Member Redeemable Term Deposits – 12 Month Term – Redeemable After 30 Days (Rates effective 2025-03-13) Rates
$1,000 - $49,999 2.50%
$50,000 - $99,999 2.55%
$100,000 and Over 2.60%​

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 2025-04-29) SVCU sells  SVCU buys
U.S. cash 1.4165 1.3385

* Exchange rates subject to change

 
 

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