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  • 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 3.15% 4.95% 4.90% 4.20%
$25,000 3.40% 5.00% 4.95% 4.25%
$100,000 3.65% 5.05% 5.00% 4.30%

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*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.

​Investing Rates

Non-Redeemable ​GIC – no early redemption

Redeemable GIC redemption policies

  • No-Redemption prior to 30 days

Personal

Non-Redeemable GIC (Rates effective 2024-02-05) Rates
30 - 59 Days 2.80%
60 - 89 Days 3.05%
90 - 119 Days 3.30%
120 - 179 Days 3.30%
180 - 269 Days 3.55%
270 - 364 Days 3.70%
1 Year 4.10%
2 Year 4.05%
3 Year 3.80%
4 Year 3.80%
5 Year 3.75%

 

Redeemable GIC (Rates effective 2024-02-05) Rates
30 - 59 Days  2.00%
60 - 89 Days 2.00%
90 - 119 Days 2.25%
120 - 179 Days 2.25%
180 - 269 Days 2.50%
270 - 364 Days 3.00%
1 Year 3.10%
2 Year 3.05%
3 Year 3.00%
4 Year 3.00%
5 Year 3.00%

 

Commercial

Commercial Member Redeemable GIC – 12 Month Term – Redeemable After 30 Days (Rates effective 2024-02-05) Rates
$1,000 - $49,9993.3 3.00%
$50,000 - $99,999 3.20%
$100,000 and Over 3.65%​
​RRSP, RRIF, LIF, RESP Variable Accounts (Rates effective 2022-12-01) Rates
Savings Accounts 0.75%

 

RRSP, RRIF, LIF, RESP Term Deposits (Rates effective 2024-02-05) Rates
 6 - 11 months 2.00%
1 Year 4.10%
2 Year 4.05%
3 Year 3.80%
4 Year 3.80%
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 2024-02-05)
Rates
30 - 59 Days 2.80%
60 - 89 Days 3.05%
90 - 119 Days 3.30%
120 - 179 Days 3.30%
180 - 269 Days 3.55%
270 - 364 Days 3.70%
1 Year 4.10%
2 Year 4.05%
3 Year 3.80%
4 Year 3.80%
5 Year 3.75%

 

Tax Free Savings Account Redeemable Term (Rates effective 2024-02-05) Rates
30 - 59 Days 2.00%
60 - 89 Days 2.00%
90 - 119 Days 2.25%
120 - 179 Days 2.25%
180 - 269 Days 2.50%
270 - 364 Days 3.00%
1 Year 3.10%
2 Year 3.05%
3 Year 3.00%
4 Year 3.00%
5 Year 3.00%​

Borrowing Rates

Rate Specials

1 Year Mortgage Special (Rates effective 2024-01-15) Rates
Fixed Rate Mortgage 1 Year Term - as low as* 6.79%

 

5 Year Mortgage Special (Rates effective 2024-01-15) Rates
Fixed Rate Mortgage 5 Year Term - as low as* 5.59%

 

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 2024-02-05) Rates
First Mortgage - as low as* 7.71%
Second Mortgage - as low as* 8.71%

 

D/W and S/W Mobile Homes (Rates effective 2024-02-05) Rates
CMHC CLIP - as low as* 8.21%

 

Land-Only Mortgage (Rates effective 2024-02-05) Rates
Low Ratio First Mortgage - as low as* 8.71%

 

Posted Rates

1 Year Closed (Rates effective 2024-02-05) Rates
Fixed Rate First Mortgage 1 Year Term - as low as* 7.71%

 

2 Year Closed (Rates effective 2024-02-05) Rates
Fixed Rate First Mortgage 2 Year Term - as low as* 7.34%

 

3 Year Closed (Rates effective 2024-02-05) Rates
Fixed Rate First Mortgage 3 Year Term - as low as* 6.96%

 

4 Year Closed (Rates effective 2024-02-05) Rates
Fixed Rate First Mortgage 4 Year Term - as low as* 6.74%

 

5 Year Closed (Rates effective 2024-02-05) Rates
Fixed Rate First Mortgage 5 Year Term - as low as* 6.81%


*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 2021 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 2023-11-03) Rates
$0.00 - $9,999.99 0.45%
$10,000.00 - $99,999.99 1.45%
$100,000.00 - $199,999.99 1.60%
$200,000.00 and Over 1.70%

 

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 2023-11-03) Rates
$0.00 - $9,999.99 0.50%
$10,000.00 - $99,999.99 1.55%
$100,000.00 - $199,999.99 1.70%
$200,000.00 - $1,000,000.00 1.80%
$ 1,000,000.00 and Over 1.85%

 

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 2024-03-01) SVCU sells  SVCU buys
  U.S. cash 1.3907 1.3127

* Exchange rates subject to change

 
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​Financial calculators

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