OUR RATES

List of rates for REDEEMABLE ANY TIME | REGISTERED/NON-REGISTERED
REDEEMABLE ANY TIME \| REGISTERED/NON-REGISTERED Rates Effective: 2025-08-19	Rate
Step-Up® 6Plus6 - first 6 months	0.75
Step-Up® 6Plus6 - second 6 months	4.79
Step-Up® 6Plus6 - average rate	2.77

Step-Up® 9Plus9 - first 9 months	0.75
Step-Up® 9Plus9 - second 9 months	4.89
Step-Up® 9Plus9 - average rate	2.82

Step-Up® 18Plus18 - first 18 months	0.75
Step-Up® 18Plus18 - second 18 months	4.99
Step-Up® 18Plus18 - average rate	2.87

PRIMECONNECT® >

Prime-linked term deposit that can take advantage of potential increases in the Prime Rate.

List of rates for REDEEMABLE ON ANNIVERSARY | REGISTERED/NON-REGISTERED
REDEEMABLE ON ANNIVERSARY \| REGISTERED/NON-REGISTERED Rates Effective: 2025-03-13	Rate
PRIMECONNECT® (3 year)	3.70

Non-redeemable Term Deposits/GICs

Short term non-redeemable >

Competitive interest rates for less than 1 year terms.

List of rates for NON-REDEEMABLE | REGISTERED/NON-REGISTERED
NON-REDEEMABLE \| REGISTERED/NON-REGISTERED Rates Effective: 2025-06-27	Rate
30-59 days	0.45
60-89 days	2.16
90-119 days	2.16
120-179 days	2.16
180-269 days	2.64
270-364 days	2.64

Long term non-redeemable >

Competitive interest rates for 1 year and longer terms.

List of rates for NON-REDEEMABLE TERM DEPOSITS | REGISTERED/NON-REGISTERED
NON-REDEEMABLE TERM DEPOSITS \| REGISTERED/NON-REGISTERED Rates Effective: 2025-09-16	Rate
1 year	3.08
2 year	3.11
3 year	3.13
4 year	3.26
5 year	3.29

winwin® Market-linked >

Market-linked term deposit with a guaranteed minimum return and the potential to earn more.

List of rates for WINWIN EARTHLINK™ MARKET-LINKED GIC | NON-REDEEMABLE | REGISTERED/NON-REGISTERED/BUSINESS
WINWIN EARTHLINK™ MARKET-LINKED GIC \| NON-REDEEMABLE \| REGISTERED/NON-REGISTERED/BUSINESS Rates Effective: 2025-07-22	Rate
Minimum guaranteed annual rate (3 year)	0.50
Maximum potential cumulative return (3 year)	18.00

Minimum guaranteed annual rate (5 year)	0.50
Maximum potential cumulative return (5 year)	35.00

List of rates for WINWIN® FINANCIAL SERVICES MARKET-LINKED GIC | NON-REDEEMABLE | REGISTERED/NON-REGISTERED/BUSINESS
WINWIN® FINANCIAL SERVICES MARKET-LINKED GIC \| NON-REDEEMABLE \| REGISTERED/NON-REGISTERED/BUSINESS Rates Effective: 2025-07-22	Rate
Minimum guaranteed annual rate (3 year)	0.50
Maximum potential cumulative return (3 year)	24.00

Minimum guaranteed annual rate (5 year)	0.50
Maximum potential cumulative return (5 year)	40.00

US Dollar Non-redeemable >

Earn interest on your U.S. Dollar funds at a guaranteed rate.

List of rates for NON-REDEEMABLE | NON-REGISTERED
NON-REDEEMABLE \| NON-REGISTERED Rates Effective: 2023-04-27	Rate
30-59 days	0.05
60-89 days	0.10
90-119 days	0.15
120-179 days	0.20
180-269 days	0.25
270-364 days	0.30

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Personal Account Rates

List of rates for Personal High Interest Savings Account (also eligible for RRSP and TFSA)
Personal High Interest Savings Account (also eligible for RRSP and TFSA) Rates Effective: 2025-03-19	Rate
$0 - $4,999	0.77
$5,000+	0.77

List of rates for Savings First
Savings First Rates Effective: 2024-11-01	Rate
Any balance	0.30

List of rates for Registered Variable Savings Account (also eligible for RRSP and TFSA)
Registered Variable Savings Account (also eligible for RRSP and TFSA) Rates Effective: 2024-11-01	Rate
$0 - $4,999	0.30
$5,000 - $19,999	0.30
$20,000 - $49,999	0.30
$50,000+	0.30

List of rates for US Dollar Chequing Account
US Dollar Chequing Account Rates Effective: 2022-12-20	Rate
$0 - $4,999	0.00
$5,000+	0.01

List of rates for Home Sweet Bonus
Home Sweet Bonus Rates Effective: 2024-11-01	Rate
Any balance	0.30

Interest rates and balance tiers are subject to change without notice.

Business Account Rates

List of rates for Business Optimum Savings
Business Optimum Savings Rates Effective: 2025-03-19	Rate
$0 - $99,999	0.47
$100,000 - $499,999	0.62
$500,000 - $999,999	0.72
$1,000,000 - $4,999,999	0.82
$5,000,000+	1.47

List of rates for Commercial High Interest Savings Account
Commercial High Interest Savings Account Rates Effective: 2025-03-19	Rate
$0 - $4,999	0.77
$5,000+	0.77

List of rates for AgriInvest
AgriInvest Rates Effective: 2024-11-01	Rate
$0 - $4,999	0.50
$5,000+	0.60

List of rates for US Dollar Chequing Account
US Dollar Chequing Account Rates Effective: 2022-12-20	Rate
$0 - $4,999	0.00
$5,000+	0.01

Interest rates and balance tiers are subject to change without notice.

Personal Loans & Lines of Credit

Personal loan and line of credit rates vary based on application, are subject to change without notice and are available O.A.C. Terms and conditions may apply. Please contact us to see how a personal loan or a line of credit can work for your specific needs.

Use our calculator to get an idea of what your loan payment could be given a particular loan amount, or calculate your loan amount for the payment you can afford.

USE LOAN CALCULATOR

US Dollar Exchange Rate

List of rates for Foreign Exchange Rates
Foreign Exchange Rates Rates Effective: 2025-09-17	Buy Rate	Sell Rate
United States (Dollar) - Cash	1.4123	1.3393
United States (Dollar) - Cheque	1.4113	1.3403

USE OUR EXCHANGE CALCULATOR

Our U.S. Dollar exchange rates are updated daily. Rates provided here are subject to change and can only be guaranteed at the time of the purchase or sale transaction. If you would like to buy or sell U.S. cash, come see us in branch today.

NOTE 1: Buying and Selling rates are listed from the member perspective. Rates provided here are subject to change and can only be guaranteed at the time of the purchase or sale transaction.

NOTE 2: Cheque rates are in effect to a maximum of $10,000 USD. If you require an amount in excess of these limits, you must obtain the booked rate from your branch.

Mortgage calculator

Use our mortgage calculator to find out what mortgage amount you can afford and what your mortgage payment and amortization schedule would be.

USE MORTGAGE CALCULATOR

Our Mortgage Rates

Apply for mortgage online or call us at 1-888-597-1083 to get started.

List of rates for MORTGAGE RATES
MORTGAGE RATES Rates Effective: 2025-09-12	Rate
6 month fixed rate (closed)*	6.94 (7.14 APR)
1 year fixed rate (closed)*	4.89 (4.99 APR)
2 year fixed rate (closed)*	4.59 (4.64 APR)
3 year fixed rate (closed)*	4.39 (4.42 APR)
4 year fixed rate (closed)*	4.54 (4.57 APR)
5 year fixed rate (closed) - insured**	4.29 (4.31 APR)
5 year fixed rate (closed)*	4.49 (4.51 APR)
5 year variable rate (closed) - insured**	4.40 (4.42 APR)
5 year variable rate (closed)*	4.60 (4.62 APR)
7 year fixed rate (closed)*	7.49 (7.51 APR)
10 year fixed rate (closed)*	7.74 (7.75 APR)
6 month fixed rate (open)	8.00 (8.20 APR)
1 year fixed rate (open)	8.00 (8.10 APR)
5 year variable rate (open)	5.60 (5.62 APR)

*This mortgage rate is only available to members with greater than 20% down payment, purchasing a residential, owner occupied property valued at under $1,000,000, and who meet other conditions. A premium may be applied to the rates for all other mortgages. Please visit a branch or call us at 1-888-597-1083 for further details.

**This insured mortgage rate is only available to members with less than 20% down payment, purchasing a residential property valued at under $1,000,000, who are eligible for and purchase mortgage default insurance and meet other conditions. Mortgage default loan insurance is required by lenders when homebuyers make a down payment of less than 20% of the purchase price. Mortgage loan insurance helps protect lenders against mortgage default, and enables consumers to purchase homes with a minimum down payment. The premium is calculated based on a percentage of the amount borrowed. Your premium can be paid upfront in a single lump sum payment, or it can be added to the total balance of your mortgage and included in your monthly payments – in this case, interest will apply to the premium as well. The minimum down payment requirement for mortgage default insurance depends on the purchase price of the home. For a purchase price of $500,000 or less, the minimum down payment is 5%. When the purchase price is above $500,000, the minimum down payment is 5% for the first $500,000 and 10% for the remaining portion. Mortgage default insurance is available only for properties with a purchase price or as-improved/renovated value below $1,000,000.

†Mortgage rates are subject to changes without notice and are available O.A.C. Fixed mortgage rates are compounded semi-annually; variable mortgage rates are compounded monthly. Mortgage rates are based on a 25 year amortization. Terms and conditions may apply. Mortgage funds must be advanced within 120 days of the application date. These rates are discounted and cannot be combined with any other rate discounts, promotions or offers. Additional fees may apply. For specific Annual Percentage Rate (APR) rates, please contact us.