Rates

Effective April 18, 2019

*Rates are subject to change without notice. Please call or email us for the most current rates, specials or promotions.

Youth Investments

FAT CAT & HEADSTART REDEEMABLE INVESTMENT (Minimum Deposit $100.00)
One Year 0.875%
Two Year 1.000%
Three Year 1.250%
Four Year 1.750%
Five Year 2.125%
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Term Deposits /TFSA

Non-Redeemable
INVESTMENT (Minimum $5,000.00) INVESTMENT (Minimum $500.00) INVESTMENT
(Minimum $50,000.00)
30-59 day 0.625% 1 year 1.625% 1 year 1.875%
60-89 day 0.625% 2 year 1.750% 2 year 2.000%
90-179 day 0.625% 3 year 2.000% 3 year 2.250%
180-364 day 0.625% 4 year 2.500% 4 year 2.750%
5 year 2.875% 5 year 3.125%
Term Builder Investment - build your investment with monthly deposits 2.375%
Alberta Plus Terms / TSFA Savings - fully redeemable, minimum $500.00 0.875%
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Fixed Rate RRSPs

Non-Redeemable
RRSP (Minimum $5000.00) RRSP (Minimum $500.00) RRSP (Minimum $50,000.00)
30 - 59 day 0.625% 1 year 1.625% 1 year 1.875%
60 - 89 day 0.625% 2 year 1.750% 2 year 2.000%
90 - 179 day 0.625% 3 year 2.000% 3 year 2.250%
180 - 364 day 0.625% 4 year 2.500% 4 year 2.750%
5 year 2.875% 5 year 3.125%
Alberta Plus RRSP 0.875%
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Fixed Rate RRIFs

RRIF Minimum Deposit $500.00 RRIF Minimum Deposit $50,000.00
1 year 1.625% 1 year 1.875%
2 year 1.750% 2 year 2.000%
3 year 2.000% 3 year 2.250%
4 year 2.500% 4 year 2.750%
5 year 2.875% 5 year 3.125%
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Variable RRSP & RRIF

VARIABLE RRSP   0.500%
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Loans

PRIME LENDING RATE 3.950%

Mortgages

OPEN MORTGAGES
First Mortgage Second Mortgage
12 Month Prime Floating Prime + 1.000% Prime + 1.500%
12 Month Fixed 5.250% 5.750%
CLOSED MORTGAGES
First Mortgage Second Mortgage
1 Year Prime Floating Prime + 0.500% Prime + 1.000%
1 Year 3.500% 3.750%
2 Year 3.625% 4.000%
3 Year 3.750% 4.250%
4 Year 3.875% 4.375%
5 Year 3.600% 4.400%
CEILING MORTGAGE CLOSED
First Mortgage Second Mortgage
Maximum Minimum 5.000% 3.950% 5.500% 4.450%
Ceiling 5 Year Current PRIME + 0.000% Prime + 0.500%
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