Rates
Rates Effective: December 20, 2024
All rates are subject to change without notice
Rates for Loans and Lines of Credit are determined based on the quality of the credit application. Personal loan rates are variable and may fluctuate. Rate quotes are "base" and may vary from posted rates depending on individual credit and security.
Variable rates will fluctuate. Your payment stays the same
The maximum loan repayment period is up to 60 months or longer (some conditions apply)
| Feature Rate Mortgages |
Rates |
| 2 Year Closed |
5.79% |
| 3 Year Closed |
4.89% |
| 5 Year Closed |
4.79% |
| 5 Year Closed High-Ratio |
4.59% |
| Deposit Special GIC / RRSP / RRIF/ TFSA |
Rates |
| 1 Year |
4.05% |
| Fixed Rate Mortgages |
Rates |
| 6 Month |
7.29% |
| 1 Year |
7.49% |
| 2 Year |
7.19% |
| 3 Year |
6.89% |
| 4 Year |
6.49% |
| 5 Year |
5.69% |
| Prime |
Rates |
| Prime Rate |
5.45% |
| Variable Rate Mortgages |
Rates |
| 5 Year Closed |
4.65% |
| 1 Year Open |
6.45% |
| Auto Loan Rates |
Rates |
| 4 Year Term - 2019 Models |
6.99% |
| 6 Year Term - 2020-2022 Models |
6.99% |
| 7 Year Term - 2023 Models |
6.99% |
| 8 Year Term - 2024 Models and Newer |
6.99% |
| Fixed Rate GIC / RRSP / RRIF / TFSA |
Rates |
| 1 Year |
3.35% |
| 2 Year |
3.15% |
| 3 Year |
3.15% |
| 4 Year |
3.35% |
| 5 Year |
3.35% |
| Short Term GIC / RRSP / RRIF / TFSA |
Rates |
| 30 - 89 Days |
0.20% |
| 90 - 179 Days |
0.25% |
| 180 - 364 Days |
0.40% |
| Deposit Special - Limited Time Only! |
Rates |
| Cashable 1 Year GIC |
2.50% |
| Savings Accounts |
Rates |
| Everyday Savings |
0.025% |
| Express Savings - Under $5,000 |
0.05% |
| Express Savings - $5,000 and Over |
0.15% |
| Energize Savings |
1.00% |
| Explore Savings |
0.25% |
| Variable RRSP/RRIFS - Under $20,000 |
0.05% |
| Variable RRSP/RRIFS - $20,000 and Over |
0.05% |
| TFSA |
0.40% |
| RESP (Min. Deposit $100) |
0.15% |
| Special Savings |
0.05% |
| Eagle US Account |
0.01% |
Members are responsible to ensure RRSP/TFSA deposits do not exceed their personal Canada Revenue Agency contribution room.
Eligible deposits in registered accounts have unlimited coverage through the Financial Services Regulatory Authority (FSRA). Eligible deposits (not in registered accounts) are insured up to $250,000 through the Financial Services Regulatory Authority (FSRA). For more info click here.
Note: Interest on term deposits are calculated and compounded annually on the anniversary date.
*Visit rapportcu.ca/FinePrint for details.
