Rates

Rates and products may be withdrawn or modified without notice. Some conditions or restrictions apply. Call your branch for details and to confirm rates.

Open Account

Prime Rate:
4.45%

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Account Rates

Savings Rate
Plan 24
0.05
US Account
0.05

Mortgage Rates

Mortgage rates and approval are based on your individual circumstances. Interest rates are subject to change from person to person, based on each member’s overall profile. Contact us for details. The Annual Percentage Rate (APR) will be the same as the posted interest rate, where no additional fee(s) and or charge(s) apply.

Closed Mortgage Rate
6 Month

6.09
1-Year
4.89
2-Year
4.39
3-Year

4.19
4-Year

4.09
5-Year

4.09
7-Year

6.40
10-Year

6.80
Variable Rate Mortgages Rate
5-Year Variable, Closed. CSCU Prime – 0.50%

3.95
1-Year Variable, Open. Prime + 1.00%

5.45
Insured Mortgages Rate
3-Year, fixed
3.89
4-Year, fixed
3.94
5-Year, fixed

3.99
Open Mortgages Rate
6 Month
9.75
1-Year
9.75

Term Deposits

Regular Term Deposits: Minimum $500 ($100 for Junior members)

Community Savings Bond: Minimum $100

Redeem-A-Term Rate
12 Month ¹
1.85
18 Month ²
2.00
3 Year ³
2.15
18 Month Step (Yield 2.506%)⁴ Rate
First 6 months
2.25
Second 6 months
2.5
Third 6 months
2.75
3 Year Step (Yield 2.500%) ⁵ Rate
Year 1
2.45
Year 2
2.5
Year 3
2.55
Big Dipper ⁶ Rate
12 Month Cashable
1.5
Non-Redeemable Term Deposits Rate
30-59 days
1.25
60-89 days
1.25
90-119 days
1.5
120-179 days
1.6
180-269 days
1.95
270-364 days
2.15
One Year
2.5
18 Months
2.5
Two Years
2.55
Three Years
2.5
Four Years
2.5
Five Years
2.65
Early Riser – 4 Year (Yield 2.537%) ⁷ Rate
Year 1
2.45
Year 2
2.5
Year 3
2.55
Year 4
2.65
Elevator Term Deposit – 5 Year (Yield 2.70%) Rate
Year 1
2.45
Year 2
2.5
Year 3
2.55
Year 4
2.65
Year 5
2.7
Redeemable Terms (Minimum Deposit $1000) ⁹ Rate
One Year
2.25
18 Months
2.25
Two Years
2.30
Three Years
2.25
Four Years
2.25
Five Years
2.4

Loan Rates

Interest rates on personal loans vary from person to person. Please contact your local branch for information on specific rates.

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Registered Plan Rates

3 Year Step (Yield 2.500%) ⁵ Rate
Year 1
2.45
Year 2
2.50
Year 3
2.55
18 Month Step (Yield 2.506%)⁴ Rate
First 6 months
2.25
Second 6 months
2.50
Third 6 months
2.75
Flexible RRSP Term Deposits Rate
Redeematerm – 12 Month
1.85
Redeematerm – 18 Month
2.00
Redeematerm – 3 Year
2.15
RRSP Terms Rate
180 – 269 Days
1.95
270 – 364 Days
2.15
12 – 17 Months
2.50
18 – 23 Months
2.50
24 – 35 Months
2.55
36 – 47 Months
2.50
48 – 59 Months
2.50
60 Months
2.65
Early Riser – 4 Year (Yield 2.537%) ⁷ Rate
Year 1
2.45
Year 2
2.50
Year 3
2.55
Year 4
2.65
Elevator RRSP – 5 Year (Yield 2.70%) ⁸ Rate
1 Year
2.45
2 Year
2.50
3 Year
2.55
4 Year
2.65
5 Year
2.70

Tax-Free-Savings Account (TFSA)

3 Year Step (Yield 2.500%) ⁵ Rate
Year 1
2.45
Year 2
2.50
Year 3
2.55
18 Month Step (Yield 2.506%)⁴ Rate
First 6 months
2.25
Second 6 months
2.50
Third 6 months
2.75
Redeem-A-Term Rate
12 Month ¹
1.85
18 Month ²
2.00
3 Year ³
2.15
TFSA Demand Account Rate
Variable Rate
0.15
Non-Redeemable Term Deposits Rate
30-59 days
1.25
60-89 days
1.25
90-119 days
1.50
120-179 days
1.60
180-269 days
1.95
270-364 days
2.15
One Year
2.50
18 Months
2.50
Two Years
2.55
Three Years
2.50
Four Years
2.50
Five Years
2.65
Early Riser – 4 Year (Yield 2.537%) ⁷ Rate
Year 1
2.45
Year 2
2.50
Year 3
2.55
Year 4
2.65
Elevator Term Deposit – 5 Year (Yield 2.70%) Rate
Year 1
2.45
Year 2
2.50
Year 3
2.55
Year 4
2.65
Year 5
2.70

¹For early withdrawal, interest paid will be face rate minus as follows: 0-30 days – not redeemable, 31-90 days less 0.45%, 91-180 days less 0.35%, 181-270 days less 0.25%, 271-364 days less 0.15%.
² Redeemable after 30 days. For early withdrawal, interest paid will be face rate minus as follows: 0-30 days – not redeemable, 31-89 days less 3.25%, 90-179 days less 1.25%, 180-364 days less 1.00%, 365-539 days less 0.50%.
³ Redeemable anytime at face rate less: 0-30 less face rate, 31-90 less 3.50%, 91-180 less 3.00%, 181-365 less 2.50%, 366-547 less 2.00%, 548-730 less 1.75%, 731-912 less 1.50%, 913-1095 less 0%.
⁴ Redeemable after 12 month anniversary with full interest. Not redeemable prior to 12 month anniversary. Rewriteable without penalty on the 6 month anniversary date to a new term for the remaining duration of the original 18 month term.
⁵ Redeemable first 30 days with no interest – not redeemable after 30 days. Re-writeable without penalty on any anniversary date to a new term for the remaining duration of the original 3 year term.
⁶ Redeemable after 30 days with full interest. Not redeemable within the first 30 days. Allows partial withdrawals once per calendar quarter. Minimum term balance of $500 must be maintained.
⁷ Redeemable first 30 days with no interest – not redeemable after 30 days. Re-writeable without penalty on any anniversary date to a new term for the remaining duration of the original 4 year term.
⁸ Redeemable first 30 days with no interest – not redeemable after 30 days. Re-writeable without penalty on any anniversary date to a new term for the remaining duration of the original 4 year term.

⁹ Redeemable terms withdrawn prior to maturity will be paid interest at our prevailing Plan 24 rate

* Eligible deposits are 100% guaranteed by the Credit Union Deposit Insurance Corporation of British Columbia (CUDIC).

Rates are subject to change without notice.

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