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  • Rates

​Prime Rate

7.75%

Rate effective 2023-07-14

 

​Investing Rates

Non-Redeemable ​GIC – no early redemption

Redeemable GIC redemption policies

  • No-Redemption prior to 30 days

Personal

Non-Redeemable GIC (Rates effective 2024-02-05) Rates
30 - 59 Days 2.80%
60 - 89 Days 3.05%
90 - 119 Days 3.30%
120 - 179 Days 3.30%
180 - 269 Days 3.55%
270 - 364 Days 3.70%
1 Year 4.10%
2 Year 4.05%
3 Year 3.80%
4 Year 3.80%
5 Year 3.75%

 

Redeemable GIC (Rates effective 2024-02-05) Rates
30 - 59 Days  2.00%
60 - 89 Days 2.00%
90 - 119 Days 2.25%
120 - 179 Days 2.25%
180 - 269 Days 2.50%
270 - 364 Days 3.00%
1 Year 3.10%
2 Year 3.05%
3 Year 3.00%
4 Year 3.00%
5 Year 3.00%

 

Commercial

Commercial Member Redeemable GIC – 12 Month Term – Redeemable After 30 Days (Rates effective 2024-02-05) Rates
$1,000 - $49,9993.3 3.00%
$50,000 - $99,999 3.20%
$100,000 and Over 3.65%​
​RRSP, RRIF, LIF, RESP Variable Accounts (Rates effective 2022-12-01) Rates
Savings Accounts 0.75%

 

RRSP, RRIF, LIF, RESP Term Deposits (Rates effective 2024-02-05) Rates
 6 - 11 months 2.00%
1 Year 4.10%
2 Year 4.05%
3 Year 3.80%
4 Year 3.80%
5 Year 3.75%​
​Tax-Free Savings Variable Account (Rates effective 2022-12-01) Rates
TFSA Savings Account 0.75%

 

Tax-Free Savings Account Non-Redeemable GIC (Rates effective 2024-02-05)
Rates
30 - 59 Days 2.80%
60 - 89 Days 3.05%
90 - 119 Days 3.30%
120 - 179 Days 3.30%
180 - 269 Days 3.55%
270 - 364 Days 3.70%
1 Year 4.10%
2 Year 4.05%
3 Year 3.80%
4 Year 3.80%
5 Year 3.75%

 

Tax Free Savings Account Redeemable Term (Rates effective 2024-02-05) Rates
30 - 59 Days 2.00%
60 - 89 Days 2.00%
90 - 119 Days 2.25%
120 - 179 Days 2.25%
180 - 269 Days 2.50%
270 - 364 Days 3.00%
1 Year 3.10%
2 Year 3.05%
3 Year 3.00%
4 Year 3.00%
5 Year 3.00%​

Borrowing Rates

Rate Specials

1 Year Mortgage Special (Rates effective 2024-01-15) Rates
Fixed Rate Mortgage 1 Year Term - as low as* 6.79%

 

5 Year Mortgage Special (Rates effective 2024-01-15) Rates
Fixed Rate Mortgage 5 Year Term - as low as* 5.59%

 

3 Year Variable Rate Mortgage (Rates effective 2023-07-14) Rates
Prime for a 3 Year Term - as low as* 7.75%

 

Conventional Housing High Ratio CMHC(Rates effective 2024-02-05) Rates
First Mortgage - as low as* 7.71%
Second Mortgage - as low as* 8.71%

 

D/W and S/W Mobile Homes (Rates effective 2024-02-05) Rates
CMHC CLIP - as low as* 8.21%

 

Land-Only Mortgage (Rates effective 2024-02-05) Rates
Low Ratio First Mortgage - as low as* 8.71%

 

Posted Rates

1 Year Closed (Rates effective 2024-02-05) Rates
Fixed Rate First Mortgage 1 Year Term - as low as* 7.71%

 

2 Year Closed (Rates effective 2024-02-05) Rates
Fixed Rate First Mortgage 2 Year Term - as low as* 7.34%

 

3 Year Closed (Rates effective 2024-02-05) Rates
Fixed Rate First Mortgage 3 Year Term - as low as* 6.96%

 

4 Year Closed (Rates effective 2024-02-05) Rates
Fixed Rate First Mortgage 4 Year Term - as low as* 6.74%

 

5 Year Closed (Rates effective 2024-02-05) Rates
Fixed Rate First Mortgage 5 Year Term - as low as* 6.81%


*Final rate determined by all aspects of your application and your financial relationship with StellerVista. 

Consumer Loans (Rates effective 2023-08-01) Rates
1 to 5 year terms 8.86%

 

Motorized Vehicle Loans (Rates effective 2022-07-26) Rates
3 to 5 year terms 

* For 2021 models or newer
* Some conditions apply
5.99%

 

MemberLine Lines of Credit (Rates effective 2023-08-01) Rates
Rates as low as Prime + 0.50% 8.25%​

 

Account Rates

​Member Advantage – Personal (Rates effective 2023-11-03) Rates
$0.00 - $9,999.99 0.45%
$10,000.00 - $99,999.99 1.45%
$100,000.00 - $199,999.99 1.60%
$200,000.00 and Over 1.70%

 

SuperSaver Account – Legacy Account (Rates effective 2022-06-17) Rates
All balances

0.01%

 

Golden Chequing Account (Rates effective 2022-06-17) Rates
All balances 0.01%

 

MasterPlan & PlanPlus Account (Rates effective 2022-06-17) Rates
$0.00 - $499.99 0.00%
$500.00 and Over 0.00%

 

MAXIMIZER® Account – Legacy Account (Rates effective 2022-06-17) Rates
$0.00 - $4,999.99  0.01%
$5,000.00 - $9,999.99 0.01%
$10,000.00 - $24,999.99 0.01%
$25,000.00 - $99,999.99 0.01%
$100,000.00 and Over 0.01%

 

iGROW (Rates effective 2022-06-17) RATES
$0.00 - $4,999.99 0.01%
$5,000.00 - $9,999.99 0.01%
$10,000.00 - $24,999.99 0.01%
$25,000.00 - $99,999.99 0.01%
$100,000.00 and Over 0.01%

 

U.S. Savings Account (Rates effective 2022-06-17) Rates
$0.00 - $4,999.99 0.00%
$5,000.00 - $9,999.99 0.00%
$10,000.00 - $24,999.99 0.04%
$25,000.00 - $99,999.99 0.04%
$100,000.00 and Over 0.04%

 

​Member Advantage – Commercial (Rates effective 2023-11-03) Rates
$0.00 - $9,999.99 0.50%
$10,000.00 - $99,999.99 1.55%
$100,000.00 - $199,999.99 1.70%
$200,000.00 - $1,000,000.00 1.80%
$ 1,000,000.00 and Over 1.85%

 

Strictly Business Account (Rates effective 2022-06-21) Rates
$0.00 - $4,999.99 0.00%
$5,000.00 - $9,999.99 0.00%
$10,000.00 - $24,999.99 0.00%
$25,000.00 - $99,999.99 0.00%
$100,000.00 and Over 0.00%

 

Service Plus Chequing Account – non-profit organizations (Rates effective (Rates effective 2022-06-21) Rates
All balances 0.01%

 

Business Savings Account (Rates effective 2022-06-21) Rates
$0.00 - $4,999.99 0.01%
$5,000.00 - $9,999.99 0.01%
$10,000.00 - $24,999.99 0.01%
$25,000.00 - $99,999.99 0.05%
$100,000.00 and Over 0.05%​

 

Commercial Member Redeemable GIC – 12 Month Term – Redeemable After 30 Days (Rates effective 2022-11-07) Rates
$1,000 - $49,999 2.10%
$50,000 - $99,999 2.85%
$100,000 and Over 3.10%​
 

Foreign Exchange

  ​Foreign Exchange (rates effective 2024-03-28) SVCU sells  SVCU buys
  U.S. cash 1.3904 1.3124

* Exchange rates subject to change

 
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