Rates

Effective January 18, 2018

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

Youth Investments
Term Deposits
Fixed Rate RRSPs
Fixed Rate RRIFs

Variable Rate RRSPs & RRIFs
Loans
Mortgages

Youth Investments

FAT CAT & HEADSTART REDEEMABLE INVESTMENT (Minimum Deposit $100.00)
30 to 59 day	0.250%	One Year	1.000%
60 to 89 day	0.250%	Two Year	1.250%
90 to 179 day	0.250%	Three Year	1.375%
180 to 364 day	0.250%	Four Year	1.500%
		Five Year	1.875%

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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	0.500%	1 year	1.375%	1 year	1.500%
60-89 day	0.500%	2 year	1.625%	2 year	1.750%
90-179 day	0.500%	3 year	1.750%	3 year	1.875%
180-364 day	0.500%	4 year	1.875%	4 year	2.000%
		5 year	2.250%	5 year	2.375%

Term Builder Investment - build your investment with monthly deposits

2.000%

Alberta Plus Terms / TSFA Savings - fully redeemable, minimum $500.00

0.750%

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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	0.500%	1 year	1.375%	1 year	1.500%
60 - 89 day	0.500%	2 year	1.625%	2 year	1.750%
90 - 179 day	0.500%	3 year	1.750%	3 year	1.875%
180 - 364 day	0.500%	4 year	1.875%	4 year	2.000%
		5 year	2.250%	5 year	2.375%

Alberta Plus RRSP 0.750%

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Fixed Rate RRIFs

RRIF Minimum Deposit $500.00		RRIF Minimum Deposit $50,000.00
1 year	1.375%	1 year	1.500%
2 year	1.625%	2 year	1.750%
3 year	1.750%	3 year	1.875%
4 year	1.875%	4 year	2.000%
5 year	2.250%	5 year	2.375%

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Variable RRSP & RRIF

VARIABLE RRSP 0.500%

VARIABLE RRIF 0.500%

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Loans

PRIME LENDING RATE 3.450%

Mortgages

OPEN MORTGAGES
	First Mortgage	Second Mortgage
12 Month Prime Floating	Prime + 1.000%	Prime + 1.500%
12 Month Fixed	4.750%	5.250%

CLOSED MORTGAGES
	First Mortgage	Second Mortgage
1 Year Prime Floating	Prime + 0.500%	Prime + 0.750%

1 Year	3.100%	3.600%
2 Year	3.100%	3.600%
3 Year	3.200%	3.700%
4 Year	3.750%	4.250%
5 Year	3.500%	4.000%

CEILING MORTGAGE CLOSED
	First Mortgage	Second Mortgage
Maximum Minimum	4.000% 2.700%	4.500% 3.200%
Ceiling 5 Year Current	PRIME + 0.000%	Prime + 0.500%

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