Rates
These are the most current loan rates available. Rate information is updated frequently.
3 Year Insured Closed
3 Year Conventional Closed
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All published rates are subject to change without notice. Mortgage Specials are for new purchases or switches only.
Mortgage Rates
| Mortgage Specials
Rates Effective: 2026-07-28 |
Rate |
|---|---|
| 3 Year Insured Closed |
3.99
|
| 3 Year Conventional Closed |
4.29
|
| Mortgages
Rates Effective: 2026-07-28 |
Rate |
|---|---|
| 1 Year Open |
8.25
|
| 1 Year Closed |
5.69
|
| 2 Year Closed |
5.39
|
| 3 Year Closed |
4.29
|
| 4 Year Closed |
4.99
|
| 5 Year Closed |
5.89
|
| Prime Rate
Rates Effective: 2026-03-17 |
Rate |
|---|---|
| Prime Rate |
4.45
|
| For Variable rates please contact us |
Loans
| Loan Rates starting as low as BAY Credit Union's Prime Rate | Contact us to apply |
Savings & Investment Rates
Includes Tax-Free Savings Account, 1–5 years fixed-term
| Savings and Investment Rates
Rates Effective: 2025-05-22 |
Rate |
|---|---|
| 30-59 Days |
.55
|
| 60-89 Days |
.65
|
| 90-179 Days |
.85
|
| 180-364 Days |
2.50
|
| 1 Year |
2.50
|
| 2 Year |
2.80
|
| 3 Year |
2.89
|
| 4 Year |
2.99
|
| 5 Year |
3.00
|
| Variable Rate RRSP |
.30
|
| Savings TFSA (interest paid monthly) |
2.50
|
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
|
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