Rates

Promotional Rates

Summer Term Deposit Offer (Rates effective 2017-05-17) Rates
15 Month Term Deposit 1.50%
Special promotional rate subject to change without notice. Annual compound interest paid monthly or annually. Rate shown for annual interest.
5 Year Fixed Rate Mortgage Rates
5-Year Fixed Closed 2.64%
Special promotional rate may be changed or withdrawn at any time without notice. Cannot be combined with any other offer or discount. Assuming no additional fees are charged, the Annual Percentage Rate (APR) of 2.64% is the same as the Interest rate. Rates calculated semi-annually not in advance. Funds must be advanced within 120 days of application. Applies to owner-occupied residential properties only. Some conditions apply. Contact us for details.
4 Year Fixed Rate Mortgage Rates
4-Year Fixed Closed 2.74%
Special promotional rate may be changed or withdrawn at any time without notice. Cannot be combined with any other offer or discount. Assuming no additional fees are charged, the Annual Percentage Rate (APR) of 2.74% is the same as the Interest rate. Rates calculated semi-annually not in advance. Funds must be advanced within 120 days of application. Applies to owner-occupied residential properties only. Some conditions apply. Contact us for details.
5 Year Variable Rate Mortgage Rates
5-Year Variable Closed 2.28%
Special promotional rate may be changed or withdrawn at any time without notice. Cannot be combined with any other offer or discount. Assuming no additional fees are charged, the Annual Percentage Rate (APR) of 2.28% is the same as the Interest rate. Prime refers to the Alterna Prime Rate. Alterna Prime Rate is 2.70% as of February 10, 2016. Your interest rate will change whenever the Alterna Prime rate changes. Rates calculated monthly not in advance. Funds must be advanced within 120 days of application. Applies to owner-occupied residential properties only. Some conditions apply. Contact us for details.
Secured Line of Credit (Rates effective 2017-04-28) Rates
Secured Line of Credit 3.20%
Special promotional rate may be changed or withdrawn at any time without notice. Prime refers to the Alterna Prime Rate. Alterna Prime Rate is 2.70% as of February 10, 2016. Your interest rate will change whenever the Alterna Prime rate changes. New Limits Only; Minimum limit of $10,000. Subject to credit approval. Other conditions may apply. Contact us for details. Assuming no additional fees are charged, the Annual Percentage Rate (APR) of 3.20% is the same as the Interest rate.
Secured Line of Credit -Special Offer Rates
Secured Line of Credit 2.50%
Special promotional rate may be changed or withdrawn at any time without notice.  Prime refers to the Alterna Prime Rate. Alterna Prime Rate is 2.70% as of February 10, 2016. Your interest rate will change whenever the Alterna Prime rate changes. Apply by May 31, 2017, and draw a minimum of $10,000 on your secured line of credit by June 30, 2017 to qualify; subject  to credit approval. On Sep 16, 2017, your rate will revert to the negotiated rate.A property appraisal fee may apply. Assuming no additional fees are charged, the Annual Percentage Rate (APR) of 2.50% is the same as the Interest rate. Other conditions may apply. Contact us for details.
Alterna Prime Lending Rate Rates
Alterna Prime Rate 2.70%
Mortgage Rates Rates
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3-Year Variable Closed 2.65%
5-Year Variable Closed 2.70%
3-Year Fixed Closed 2.64%
4-Year Fixed Closed 2.94%
Investment Savings Account** (non-Registered & RRSP) Rates
$0.01 - $4,999.99 0.15%
$5,000.00 and Over 0.70%
Business Investment Savings Account** Rates
$0.01 - $4,999.99 0.15%
$5,000.00 and Over 0.70%
Investment Savings Account** (Tax-Free Savings Account) Rates
$0.01 - $4,999.99 0.70%
$5,000.00 and Over 0.70%
Term Deposits (Rates effective 2017-05-17) Rates
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1 Year Redeemable 0.75%
1 Year Closed- Annual Interest 1.15%
1 Year Closed- Monthly Interest 1.14%
2 Year Closed - Annual Interest 1.20%
2 Year Closed - Monthly Interest 1.19%
3 Year Closed - Annual Interest 1.20%
3 Year Closed - Monthly Interest 1.19%
4 Year Closed - Annual Interest 1.35%
4 Year Closed - Monthly Interest 1.34%
5 Year Closed - Annual Interest 1.60%
5 Year Closed - Monthly Interest 1.59%
5 Year Flexi Term 1.60%
Note: The 1, 2, 3, 4 and 5-year annual interest term deposits, 3 and 5-year rate builder and 18-month fixed term deposits are also available as TFSAs.
1 Year Redeemable: Annual compound interest paid at redemption or at maturity
1 – 5 Year Term Deposits: Annual compound interest paid monthly or annually
19-23 Month Term Deposit: Annual compound interest paid annually and at maturity
Flexi Term Deposit: Annual compound interest paid annually and at maturity
3 year rate builder - Effective Yield: 1.20% (Rates effective 2017-05-17) Rates
Year 1 1.00%
Year 2 1.20%
Year 3 1.40%
RateBuilder Term Deposits:  Annual compound interest paid annually or at maturity
5 year rate builder - Effective Yield: 1.60% (Rates effective 2017-05-17) Rates
Year 1 0.80%
Year 2 1.30%
Year 3 1.40%
Year 4 1.50%
Year 5 3.01%
RateBuilder Term Deposits:  Annual compound interest paid annually or at maturity
Rates are subject to change without notice and are for information only. Promotional rates on term deposits are for registered and non-registered deposits. For more information about personal loan rates contact us.
**Interest is calculated on daily closing balance and paid monthly. Rates subject to change at any time.