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  Rates & Fees - Rates

Closed Mortgages - Residential - First

 Term/Description

CAD %

 6 Months Closed  4.90
 1 Year Closed  3.40
 2 Years Closed  3.90
 3 Years Closed  3.99
 4 Years Closed  4.44
 5 Years Closed  4.84
 7 Years Closed  6.50

Closed Mortgages - Residential - Second

 Term/Description

CAD %

 6 Months Closed  5.25
 1 Year Closed  3.75
 2 Years Closed  4.25
 3 Years Closed  4.34
 4 Years Closed  4.79
 5 Years Closed  5.19
 7 Years Closed  6.85

Other Mortgages

 Term/Description

CAD %

 1 Year Residential First - Open  7.45
 1 Year Residential Second - Open  7.50
 5 Years Variable - Open  4.60
 5 Years Convertible To Closed  2.75

Closed Mortgages - Commercial

 Term/Description

CAD %

Call for Rates 

Credit Union Prime

 Term/Description

CAD %

 Credit Union Prime  2.75

Personal Loans (Variable Rate)

 Term/Description

CAD %

 Variable Rate - 1 to 5 years From 5.25
 Secured By CU Funds  4.00
 New Car Loans - 1 to 5 Years From 4.75
 Pre-Owned Car Loans - 1 to 4 Years From 5.25

Personal Loans (Fixed Rate)

 Term/Description

CAD %

 RRSP Loan - 1 Year  3.75
 RRSP Loan - 2 Years  4.00
 New Car Loans - 1 to 5 Years From 4.99
 Pre-Owned Car Loans - 1 to 4 Years From 5.99
 Debt Consolidation - up to 5 years  14.00
 Fixed Rate - 1 to 5 years From 6.49
 Vacation Loan  5.99
 Overdraft Interest  21.00

Line of Credit

 Term/Description

CAD %

 Overdraft Line of Credit  14.00
 Personal Line of Credit From 5.00
 HELOC / Secured Line of Credit From 3.50
 Student LOC Prime Plus 1.00

Commercial Loans

 Term/Description

CAD %

 Canada Small Business Financing 3yr Closed Special  5.99
 Commercial LOC Prime Plus

GIC / GIC RRSP / GIC RRIF

 Term/Description

CAD %

 1 Year  1.50
 2 Years  2.50
 3 Years  2.60
 4 Years  2.75
 5 Years  3.25

Step Up GIC's
Step Up GIC's - RRSP
Step Up GIC's - RRIF
3 Year
5 Year

 Term/Description

CAD %

CAD %

 1st Year  1.00  1.50
 2nd Year  2.00  2.00
 3rd Year  3.50  2.50
 4th Year    3.00
 5th Year    4.00

Savings

 Term/Description

CAD %

 Daily Interest  0.10
 Daily - Sixty Plus  0.60
 Silver  0.10
 Silver - Sixty Plus  0.60
 US Daily  0.10

T-Bills

 Term/Description

CAD %

 $ .00 - 4,999.99  0.10
 $ 5,000.00 - 9,999.99  0.10
 $ 10,000.00 - 24,999.99  0.25
 $ 25,000.00 - 49,999.99  0.45
 $ 50,000.00 +  0.65

Child-Youth-Student

 Term/Description

CAD %

 C-Y-S  1.00

Current Account

 Term/Description

CAD %

 $ .00 - 1,999.99  0.00
 $ 2,000.00 - 4,999.99  0.00
 $ 5,000.00 - 9,999.99  0.00
 $ 10,000.00 - 99,999.99  0.00
 $ 100,000.00 +  0.25

Certificates

 Term/Description

CAD %

US %

 30 days  0.35   0.10
 60 days  0.35   0.15
 90 days  0.35   0.15
 120 days  0.35   0.15
 180 days  0.60   0.15
 270 days  0.60   0.35
 1 year  0.75   0.50
 2 years  1.45   
 2 Years + 2 Months  1.55   
 3 years  1.75   
 4 years  1.85   
 5 years  2.25   
 2 years - monthly int.  1.45   

TFSA

 Term/Description

CAD %

 1 Year  1.50
 2 Years  2.50
 3 Years  2.60
 4 Years  2.75
 5 Years  3.25

RRSP / RRIF

 Term/Description

CAD %

 Variable  1.00
 1 year  1.25
 2 years  1.45
 2 Years + 2 Months  1.55
 3 years  1.75
 4 years  1.85
 5 years  2.25

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