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OUR RATES

FEATURED RATES

 

5-year Variable Rate Mortgage

Closed - Insured**

3.00

5-year Fixed Rate Mortgage

Closed - Insured**

4.79

1-year Non-Redeemable

Term Deposit

3.50

9-month Non-Redeemable

Term Deposit

3.00
 

OUR RATES

 
Mortgage Calculator

Use our mortgage calculator to find out what mortgage amount you can afford and what your mortgage payment and amortization schedule would be.​

 
 


​Our Mortgage Rates



Apply for mortgage pre-approval online or call us at 1-888-597-8083 to get started.

 

List of rates for MORTGAGE RATES†
MORTGAGE RATES† Rate
6 month fixed rate (closed)*
5.00
1 year fixed rate (closed)*
4.09
2 year fixed rate (closed)*
4.29
3 year fixed rate (closed)*
4.79
4 year fixed rate (closed)*
4.99
5 year fixed rate (closed) - insured**
4.79
5 year fixed rate (closed)*
4.99
5 year variable rate (closed) - insured**
3.00
5 year variable rate (closed)*
3.20
7 year fixed rate (closed)*
5.59
10 year fixed rate (closed)*
5.99
6 month fixed rate (open)
7.30
1 year fixed rate (open)
7.30
Variable rate (open)
4.20
 

 

*This mortgage rate is only available to members with greater than 20% down payment, purchasing a residential, owner occupied property valued at under $1,000,000, and who meet other conditions. A premium may be applied to the rates for all other mortgages. Please visit a branch or call us at 1-888-597-8083 for further details.

**This insured mortgage rate is only available to members with less than 20% down payment, purchasing a residential property valued at under $1,000,000, who are eligible for and purchase mortgage default insurance and meet other conditions.

†Mortgage Rates are subject to change without notice and are available O.A.C. Fixed Mortgage Rates are compounded semi-annually. Variable Mortgage Rates are compounded monthly. Terms and conditions may apply. Mortgage funds must be advanced within 120 days of the application. These rates are discounted and can not be combined with any other rate discounts, promotions or offers. Additional fees may apply. For specific Annual Percentage Rate (APR) rates, please contact us.

Personal Loans

Rate varies depending on loan term and other considerations. Please contact us to see how a personal loan can work for your specific needs.

Use our calculator to get an idea of what your loan payment could be, or calculate your loan amount for the payment you can afford.

 
List of rates for VARIABLE LOAN RATES
VARIABLE LOAN RATES Rate
Personal Loan (1 to 5 year term)
8.70
RRSP Loan (1 to 5 year term)
4.20
 


Lines of Credit Rates

 

Line of Credit ($5,000+)

Prime+increment

Overdraft Protection

18.00%

 

Rates are subject to change without notice and are available O.A.C. Terms and conditions may apply.

You can purchase 12-month non-registered cashable term deposits as well as all 1 to 5 year non-registered non-redeemable terms online. It's simple, just log in to online banking and select 'Open an Account'. Contact us to purchase any of our registered term deposit products.

 
List of rates for FEATURED TERM DEPOSIT RATES
FEATURED TERM DEPOSIT RATES Rate
9-month Non-Redeemable Term Deposit
3.00
1-year Non-Redeemable Term Deposit
3.50
3-year PRIMECONNECT® Redeemable Term Deposit
2.70
 


Registered Term Deposit Rates

 

List of rates for Cashable Term Deposits (Registered)
Cashable Term Deposits (Registered) Rate
12-month cashable (redeemable after 30 days)
2.50
StepUp® 6Plus6 - first 6 months
0.40
StepUp® 6Plus6 - second 6 months
4.00
StepUp® 6Plus6 - average rate
2.20
StepUp® 9Plus9 - first 9 months
0.40
StepUp® 9Plus9 - second 9 months
5.30
StepUp® 9Plus9 - average rate
2.85
StepUp® 18Plus18 - first 18 months
0.40
StepUp® 18Plus18 - second 18 months
5.70
StepUp® 18Plus18 - average rate
3.05
 
List of rates for Short-term Non-Redeemable Term Deposits (Registered)
Short-term Non-Redeemable Term Deposits (Registered) Rate
30-59 days
0.25
60-89 days
0.30
90-119 days
0.35
120-179 days
0.40
180-269 days
2.50
270-364 days
3.00
 
List of rates for Long-term Non-Redeemable Term Deposits (Registered)
Long-term Non-Redeemable Term Deposits (Registered) Rate
1 year
3.50
2 year
3.70
3 year
3.80
4 year
3.90
5 year
4.00


​Non-Registered Term Deposit Rates

 

List of rates for Cashable Term Deposits (Non-Registered)
Cashable Term Deposits (Non-Registered) Rate
12-month cashable (redeemable after 30 days)
2.50
StepUp® 6Plus6 - first 6 months
0.40
StepUp® 6Plus6 - second 6 months
4.00
StepUp® 6Plus6 - average rate
2.20
StepUp® 9Plus9 - first 9 months
0.40
StepUp® 9Plus9 - second 9 months
5.30
StepUp® 9Plus9 - average rate
2.85
StepUp® 18Plus18 - first 18 months
0.40
StepUp® 18Plus18 - second 18 months
5.70
StepUp® 18Plus18 - average rate
3.05
 
List of rates for Redeemable Term Deposits (Registered/Non-Registered)
Redeemable Term Deposits (Registered/Non-Registered) Rate
3-year PRIMECONNECT®
2.70
 
List of rates for Short-Term Non-Redeemable Term Deposits (Non-Registered)
Short-Term Non-Redeemable Term Deposits (Non-Registered) Rate
30-59 days
0.25
60-89 days
0.30
90-119 days
0.35
120-179 days
0.40
180-269 days
2.50
270-364 days
3.00
 
List of rates for Long-Term Non-Redeemable Term Deposits (Non-Registered)
Long-Term Non-Redeemable Term Deposits (Non-Registered) Rate
1 year
3.50
2 year
3.70
3 year
3.80
4 year
3.90
5 year
4.00
 
market-linked term deposits (registered/non-registered) rate
winwin EarthLink™   35.00%*
winwin® Financial Services   25.00%*


*Maximum potential cumulative 5-year rate. 

 
List of rates for Non-Redeemable US Term Deposits (Non-Registered)
Non-Redeemable US Term Deposits (Non-Registered) Rate
30-59 days
0.05
60-89 days
0.10
90-119 days
0.15
120-179 days
0.20
180-269 days
0.25
270-364 days
0.30

 

Term deposit rates are subject to change without notice. Interest rates are per annum. Interest compounds annually. Terms and conditions apply.

winwin EarthLink™ terms and conditions ​/ winwin® Financial Services terms and conditions

PRIMECONNECT® interest rate is per annum and is linked to the First West Credit Union prime rate.

US Dollar Exchange Rate

 

List of rates for Foreign Exchange Rates
Foreign Exchange Rates Buy Rate Sell Rate
United States (Dollar) - Cash
1.3415
1.2715
United States (Dollar) - Cheque
1.3405
1.2725

 

Our U.S. Dollar exchange rates are updated daily. Rates provided here are subject to change and can only be guaranteed at the time of the purchase or sale transaction. If you would like to buy or sell U.S. cash, come see us in branch today.

NOTE 1: Buying and Selling rates are listed from the member perspective. Rates provided here are subject to change and can only be guaranteed at the time of the purchase or sale transaction.

NOTE 2: Cheque rates are in effect to a maximum of $10,000 USD. If you require an amount in excess of these limits, you must obtain the booked rate from your branch. 

Personal Account Rates

 

List of rates for Savings First
Savings First Rate
Any balance
0.10
 
List of rates for Personal High Interest Savings Account (also eligible for RRSP and TFSA)
Personal High Interest Savings Account (also eligible for RRSP and TFSA) Rate
Any balance
0.45
 
List of rates for Home Sweet Bonus
Home Sweet Bonus Rate
Any balance
0.10
 
List of rates for US Dollar Chequing Account
US Dollar Chequing Account Rate
$0 - $4,999
0.00
$5,000+
0.01

 

Interest rates and balance tiers are subject to change without notice.

Business Account Rates

 

List of rates for Business Optimum Savings
Business Optimum Savings Rate
Any balance
0.45
 
List of rates for Commercial High Interest Savings Account
Commercial High Interest Savings Account Rate
Any balance
0.45
 
List of rates for AgriInvest
AgriInvest Rate
Any balance
0.70
 
List of rates for US Dollar Chequing Account
US Dollar Chequing Account Rate
$0 - $4,999
0.00
$5,000+
0.01

 

Interest rates and balance tiers are subject to change without notice.

Prime Rates

 

List of rates for First West Credit Union Prime Rates
First West Credit Union Prime Rates Rate
Prime
3.70
US Prime
5.25

 

Interest rates and balance tiers are subject to change without notice.

 
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