Rates
These are the most current loan rates available. Rate information is updated frequently.
5 Year Insured Closed
5 Year Conventional Closed
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All published rates are subject to change without notice. Mortgage Specials are for new purchases or switches only.
Mortgage Rates
| Mortgage Specials
Rates Effective: 2025-09-04 |
Rate |
|---|---|
| 5 Year Insured Closed |
3.79
|
| 5 Year Conventional Closed |
4.39
|
| Mortgages
Rates Effective: 2025-05-22 |
Rate |
|---|---|
| 1 Year Open |
8.25
|
| 1 Year Closed |
5.69
|
| 2 Year Closed |
5.39
|
| 3 Year Closed |
4.99
|
| 4 Year Closed |
4.99
|
| 5 Year Closed |
4.69
|
| 7 Year Closed |
7.29
|
| For Variable rates please contact us |
Savings & Investment Rates
Includes Tax-Free Savings Account, 1–5 years fixed-term
| Savings and Investment Rates
Rates Effective: 2025-05-22 |
Rate |
|---|---|
| 30-59 Days |
.55
|
| 60-89 Days |
.65
|
| 90-179 Days |
.85
|
| 180-364 Days |
2.50
|
| 1 Year |
2.50
|
| 2 Year |
2.80
|
| 3 Year |
2.89
|
| 4 Year |
2.99
|
| 5 Year |
3.00
|
| Variable Rate RRSP |
.30
|
| Savings TFSA (interest paid monthly) |
2.50
|
Limited Time Invesment Special
*180-364 Day Redeemable Term 2.50%
- Redeemable with interest after 60 days • Partial withdrawals permitted (min. $500)
- Minimum deposit $500 ($100 if under 19 years of age)
- Non-registered and TFSA, RRSP and RRIF eligible
- Not redeemable prior to 60 days
Annual compound interest paid at redemption or at maturity. If term is redeemed after 60 days prior to the 1-year anniversary, simple interest will be calculated.
Savings Madness Term Deposits
An exclusive savings plan with a high interest rate to help you save with a goal in mind (down payment,special purchase, vacation etc) within a goal ime frame. Our Savings Madness term deposit has a rate of 5.00% compounding* on each payment into the Savings Madness Term.
*This compound interest works out to be about 2.5% on the investment total at the end of the Savings Madness Term.
Make that dream a goal! Set your savings goal for to be achieved in a specified time frame and we'll break down the total you need into payments over that time period! We'll set up an automatic transfer from your account into the term on a schedule that works with you!
Missed payments or cashing out the Savings Madness early will forfeit all interest.
| Savings Madness Term Deposit | Rate |
|---|---|
| Savings Madness |
5.00
|
Daily Interest Account
This account is best for you if the balance of your savings account is expected to fluctuate, or if you need access to your savings for an emergency.
| Daily Interest Account | Rate |
|---|---|
| Interest paid semi-annually on June 30 and December 31 based on the lowest daily balance. |
0.01
|
Loans
| Loan Rates starting as low as BAY Credit Union's Prime Rate | Contact us to apply |
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