Rates
These are the most current loan rates available. Rate information is updated frequently.
5 Year Insured Closed
5 Year Conventional Closed
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Rates effective 15/01/2025. All published rates are subject to change without notice.
Mortgage Rates
| Mortgage Specials | Rate |
|---|---|
| 5 Year Insured Closed |
4.29
|
| 5 Year Conventional Closed |
4.69
|
| Mortgages | Rate |
|---|---|
| 1 Year Open |
8.25
|
| 1 Year Closed |
6.89
|
| 2 Year Closed |
6.58
|
| 3 Year Closed |
5.75
|
| 4 Year Closed |
5.45
|
| 5 Year Closed |
4.99
|
| 7 Year Closed |
7.29
|
| For Variable rates please contact us |
Savings & Investment Rates
Includes Tax-Free Savings Account, 1–5 years fixed-term
| Savings and Investment Rates | Rate |
|---|---|
| 30-59 Days |
.55
|
| 60-89 Days |
.65
|
| 90-179 Days |
.85
|
| 180-364 Days |
1.00
|
| 1 Year |
3.50
|
| 2 Year |
3.30
|
| 3 Year |
3.29
|
| 4 Year |
3.30
|
| 5 Year |
3.35
|
| Variable Rate RRSP |
.30
|
| Savings TFSA (interest paid monthly) |
2.50
|
Savings Madness Term Deposits
Savings Madness is an exclusive plan with a higher interest rate to help you save with a goal in mind, like a vacation or down payment, within a specified time frame. We break down the total you need into payments over that period and set up an automatic transfer from your account into the term on a schedule that works for you.
Missed payments or cashing out the Savings Madness early will forfeit all interest.
| Savings Madness Term Deposit | Rate |
|---|---|
| Savings Madness |
5.00
|
Daily Interest Account
This account is best for you if the balance of your savings account is expected to fluctuate, or if you need access to your savings for an emergency.
| Daily Interest Account | Rate |
|---|---|
| Interest paid semi-annually on June 30 and December 31 based on the lowest daily balance. |
0.01
|
Foreign Exchange
| Foreign Exchange Rates | Contact us for current rates |
Loans
| Loan Rates starting as low as BAY Credit Union's Prime Rate | Contact us to apply |
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