Loan Rates
Prime Rate (P) - 3.00%
Unauthorized Overdraft Rate - 24.00%
Rate Special Variable/Floating Rate Fixed Rate
Closed Open* Closed* Open* Closed*
5 yr 5 yr 5 yr 1yr 1 yr 2 yr 3 yr 4 yr 5 yr
Personal (Conventional & CMHC)
Business (Conventional)
3.75% P + 3.00% P + 1.00% 6.75% 4.00% 4.25% 4.50% 4.75% 4.25%
Business (CSBFP)
Agriculture (Conventional)
Agriculture (CALA)
N/A P + 4.00% * 7.75% * * * * *
Mortgage Rates
N/A P + 1.00% N/A N/A 5.00% 5.25% 5.50% 5.75% 5.25%
N/A P + 4.00% * 7.75% * * * * *
N/A P + 3.00% N/A N/A 7.00% 7.25% 7.50% 7.75% 7.25%
Closed* = The mortgagor, when not in default, shall on renewal date have the privilege of prepaying any amount desired, without penalty. If the term of the mortgage is for more than one year, the mortgagor will also have the privilege of prepaying 25% of the outstanding balance on or before the anniversary date without penalty.
Open* = The mortgagor shall have the privilege of, at any time, prepaying any amount desired, without penalty.
* = member is risk rated to determine rate
RRSP Loan Education Loan CSBFP CALA
P + 2.00% P + 1.00% Same as above Same as above
Non-Mortgage Rates
Other than the non-mortgage rates listed directly above, we use a Rate Pricing Tool to determine the rate given
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the Rate Pricing Tool rewards members for the strength of their financial situation
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various factors are used to determine a competitive rate for each situation
Feel free to contact us to speak with one of our lenders to discuss scenarios to ensure you receive the best rate available.