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OUR RATES

RATES

You can purchase select non-registered term deposits in online banking. It's simple, just log in to online banking and select the right account for you. Not a member yet? Become a member online in a matter of minutes.

Contact us to purchase any of our registered term deposit products, or if you're not sure which product is right for you.

OPEN IN ONLINE BANKING
 
List of rates for FEATURED TERM DEPOSIT RATES
FEATURED TERM DEPOSIT RATES

Rates Effective: 2023-09-07

 Rate
1-Year Non-Redeemable Term Deposit/GIC
5.50
2-year Non-Redeemable Term Deposit/GIC
5.40
3-year PRIMECONNECT® Redeemable Term Deposit/GIC
5.70
 


Registered Term Deposit Rates

 

List of rates for Cashable Term Deposits (Registered)
Cashable Term Deposits (Registered)

Rates Effective: 2023-06-19

 Rate
12-month cashable (redeemable after 30 days)
3.10
StepUp® 6Plus6 - first 6 months
1.25
StepUp® 6Plus6 - second 6 months
7.25
StepUp® 6Plus6 - average rate
4.25
StepUp® 9Plus9 - first 9 months
1.25
StepUp® 9Plus9 - second 9 months
7.75
StepUp® 9Plus9 - average rate
4.50
StepUp® 18Plus18 - first 18 months
1.00
StepUp® 18Plus18 - second 18 months
7.00
StepUp® 18Plus18 - average rate
4.00
 
List of rates for Short-term Non-Redeemable Term Deposits (Registered)
Short-term Non-Redeemable Term Deposits (Registered)

Rates Effective: 2023-04-27

 Rate
30-59 days
0.45
60-89 days
0.55
90-119 days
0.65
120-179 days
0.75
180-269 days
3.05
270-364 days
3.25
 
List of rates for Long-term Non-Redeemable Term Deposits (Registered)
Long-term Non-Redeemable Term Deposits (Registered)

Rates Effective: 2023-09-07

 Rate
1 year
5.50
2 year
5.40
3 year
5.30
4 year
5.10
5 year
5.00


​Non-Registered Term Deposit Rates

 

List of rates for Cashable Term Deposits (Non-Registered)
Cashable Term Deposits (Non-Registered)

Rates Effective: 2023-06-19

 Rate
12-month cashable (redeemable after 30 days)
3.10
StepUp® 6Plus6 - first 6 months
1.25
StepUp® 6Plus6 - second 6 months
7.25
StepUp® 6Plus6 - average rate
4.25
StepUp® 9Plus9 - first 9 months
1.25
StepUp® 9Plus9 - second 9 months
7.75
StepUp® 9Plus9 - average rate
4.50
StepUp® 18Plus18 - first 18 months
1.00
StepUp® 18Plus18 - second 18 months
7.00
StepUp® 18Plus18 - average rate
4.00
 
List of rates for Redeemable Term Deposits (Registered/Non-Registered)
Redeemable Term Deposits (Registered/Non-Registered)

Rates Effective: 2023-07-13

 Rate
3-year PRIMECONNECT®
5.70
 
List of rates for Short-Term Non-Redeemable Term Deposits (Non-Registered)
Short-Term Non-Redeemable Term Deposits (Non-Registered)

Rates Effective: 2023-04-27

 Rate
30-59 days
0.45
60-89 days
0.55
90-119 days
0.65
120-179 days
0.75
180-269 days
3.05
270-364 days
3.25
 
List of rates for Long-Term Non-Redeemable Term Deposits (Non-Registered)
Long-Term Non-Redeemable Term Deposits (Non-Registered)

Rates Effective: 2023-09-07

 Rate
1 year
5.50
2 year
5.40
3 year
5.30
4 year
5.10
5 year
5.00
 
market-linked term deposits (registered/non-registered) rate
winwin EarthLink™   9.00%*
winwin® Financial Services   9.00%*


*Minimum guaranteed cumulative 3-year rate. 

 
List of rates for Non-Redeemable US Term Deposits (Non-Registered)
Non-Redeemable US Term Deposits (Non-Registered)

Rates Effective: 2023-04-27

 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.

Personal Account Rates

 

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)

Rates Effective: 2022-12-20

 Rate
Any balance
1.50
 
List of rates for Savings First
Savings First

Rates Effective: 2022-12-20

 Rate
Any balance
1.00
 
List of rates for US Dollar Chequing Account
US Dollar Chequing Account

Rates Effective: 2022-12-20

 Rate
$0 - $4,999
0.00
$5,000+
0.01
 
List of rates for Home Sweet Bonus
Home Sweet Bonus

Rates Effective: 2022-12-20

 Rate
Any balance
1.00

 

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

Business Account Rates

 

List of rates for Business Optimum Savings
Business Optimum Savings

Rates Effective: 2022-12-20

 Rate
$0 - $100,000
1.40
$100,000 - $500,000
1.55
$500,000 - $1M
1.65
$1M - $5M
1.75
$5M+
2.40
 
List of rates for Commercial High Interest Savings Account
Commercial High Interest Savings Account

Rates Effective: 2022-12-20

 Rate
Any balance
1.50
 
List of rates for AgriInvest
AgriInvest

Rates Effective: 2022-12-20

 Rate
$0 - $4,999
1.20
$5,000+
1.30
 
List of rates for US Dollar Chequing Account
US Dollar Chequing Account

Rates Effective: 2022-12-20

 Rate
$0 - $4,999
0.00
$5,000+
0.01

 

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

US Dollar Exchange Rate

 

List of rates for Foreign Exchange Rates
Foreign Exchange Rates

Rates Effective: 2023-09-20

 Buy Rate Sell Rate
United States (Dollar) - Cash
1.3766
1.3066
United States (Dollar) - Cheque
1.3756
1.3076
USE OUR EXCHANGE CALCULATOR

 

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. 

RRSP Loan Special*

(Variable, 1-5 years)

7.70
LEARN MORE

 

Personal Loans & Lines of Credit

Personal loan and line of credit rates vary based on application, are subject to change without notice and are available O.A.C. Terms and conditions may apply. Please contact us to see how a personal loan or a line of credit can work for your specific needs.

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

USE OUR CALCULATOR
 
 
 
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.​

USE MORTGAGE CALCULATOR
 
 


​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†

Rates Effective: 2023-09-07

 Rate
6 month fixed rate (closed)*
7.39
1 year fixed rate (closed)*
6.99
2 year fixed rate (closed)*
6.69
3 year fixed rate (closed)*
7.09
4 year fixed rate (closed)*
6.09
5 year fixed rate (closed) - insured**
5.49
5 year fixed rate (closed)*
5.94
5 year variable rate (closed) - insured**
6.35
5 year variable rate (closed)*
6.80
7 year fixed rate (closed)*
6.39
10 year fixed rate (closed)*
6.64
6 month fixed rate (open)
8.45
1 year fixed rate (open)
8.45
Variable rate (open)
7.80
 

 

*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 changes without notice and are available O.A.C. Fixed mortgage rates are compounded semi-annually; variable mortgage rates are compounded monthly. Mortgage rates are based on a 25 year amortization. Terms and conditions may apply. Mortgage funds must be advanced within 120 days of the application date. These rates are discounted and cannot be combined with any other rate discounts, promotions or offers. Additional fees may apply. For specific Annual Percentage Rate (APR) rates, please contact us.

Prime Rates

 

List of rates for First West Credit Union Prime Rates
First West Credit Union Prime Rates

Rates Effective: 2023-07-28

 Rate
Prime
7.20
US Prime
9.00

 

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

 

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