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Rates

Prime Base Rate

Kawartha Credit Union Prime

7.20

Kawartha Mortgage Prime

Rates effective 2023-01-27

6.70

Special Offer: 15-Month Deposit Special (New Deposits Only)

Non-registered or RRSP/RRIF/TFSA eligible

4.65

Foreign Exchange Buy USD

The buy rate

1.3837

Foreign Exchange Sell USD

The sell rate

1.3317

Mortgage Rates

Rates are subject to change without notice at any time. For more information, visit your nearest branch or call us at 1-855-670-0510.

List of rates for Prime Base Rate
Prime Base Rate Rate
Prime Base Rate
7.20
List of rates for Mortgage Prime
Mortgage Prime Rate
Mortgage Prime
6.70
 

First Mortgages

Multiple first mortgages are available under the umbrella of the CreditMaster product.

List of rates for Special Offer: First Mortgages
Special Offer: First Mortgages Rate
3 Year - Closed (some restrictions apply)
5.49%
4 Year - Closed (some restrictions apply)
5.54%
5 Year - Closed (some restrictions apply)
4.89%
5 Year – Variable Closed (some restrictions apply) Mortgage Prime less 0.25%
6.45%
List of rates for First Mortgages
First Mortgages Rate
1 Year - Open
7.00%
6 month - Closed
6.49%
1 Year - Closed
6.09%
2 Year - Closed
6.19%
3 Year - Closed
6.04%
4 Year - Closed
6.04%
5 Year - Closed
6.34%
5 Year - Variable Closed (some restrictions apply) Kawartha Prime plus 1.00%
8.20%

Accounts

Rates are subject to change without notice at any time. For more information, visit your nearest branch or call us at 1-855-670-0510.

Note: Interest calculated daily on all accounts, except life insured, which is calculated monthly.

List of rates for Personal Chequing
Personal Chequing Rate
Less than 1,000
0%
Less than 10,000
0%
Less than 25,000
0%
Greater than 25,000
0%
List of rates for Savings
Savings Rate
Less than 5,000
.05%
Greater than 5,000
.10%
List of rates for High Interest Savings
High Interest Savings Rate
Non-Registered
1.00%
Registered
1.00%
Bonus for monthly transfers of $200 or more
0.15%
List of rates for Business 1 Chequing
Business 1 Chequing Rate
Less than 1,000
0%
Less than 10,000
0%
Less than 25,000
0%
Greater than 25,000
0%
List of rates for Business 1 Savings
Business 1 Savings Rate
Less than 5,000
0%
Less than 250,000
0%
Greater than 250,000
0.15%
List of rates for Community
Community Rate
Less than 1,000
0%
Less than 10,000
0%
Less than 25,000
0%
Greater than 25,000
0%
List of rates for US $ Savings/Chequing
US $ Savings/Chequing Rate
Less than 5,000
0%
Greater than 5,000
0%
List of rates for Life Insured
Life Insured Rate
$0 min. balance
.05%
List of rates for Variable Registered
Variable Registered Rate
All balances
.05%

Foreign Exchange

Rates are subject to change without notice at any time and are not guaranteed unless confirmed by phone. Rates will be updated by 10 a.m. each business day. For more information, visit your nearest branch or call us at 1-855-670-0510.

For Euro and Pound Sterling rates, please contact your local branch or Contact Centre: 1-855-670-0510.

List of rates for Foreign Exchange Rates
Foreign Exchange Rates Buy Rate Sell Rate
FX buy USD
1.3837
1.3317

Term Deposits

Rates are subject to change without notice at any time. For more information, visit your nearest branch or call us at 1-855-670-0510.

List of rates for Special Offer: 15 Month Deposit Special
Special Offer: 15 Month Deposit Special Rate
Non-registered or RRSP / RRIF / TFSA eligible (minimum investment $500 - New Deposits Only)
4.65%
List of rates for Short Term Deposits – Non-registered
Short Term Deposits – Non-registered Rate
30 Days (min. deposit $5,000) 
0.50%
60 Days (min. deposit $5,000) 
0.60%
90 Days (min. deposit $5,000) 
0.70%
120 Days (min. deposit $5,000) 
0.70%
180 Days (min. deposit $5,000) 
0.80%
270 Days (min. deposit $5,000) 
0.90%
List of rates for GICs Annual Interest Terms – Non-registered
GICs Annual Interest Terms – Non-registered Rate
1 Year (min. deposit $500)
4.50%
2 Years (min. deposit $500)
4.25%
3 Years (min. deposit $500)
3.90%
4 Years (min. deposit $500)
3.50%
5 Years (min. deposit $500)
3.50%
List of rates for GICs Annual Interest Terms – RRSP / RRIF / TFSA eligible
GICs Annual Interest Terms – RRSP / RRIF / TFSA eligible Rate
1 Year
4.50%
2 Year
4.25%
3 Year
3.90%
4 Year
3.50%
5 Year
3.50%
List of rates for Redeemable Term Certificates
Redeemable Term Certificates Rate
Non-registered or TFSA eligible (min. deposit $500) 
2.75%
Callable RRSP (min. deposit $500)
2.75%

RateBuilder

Rates are subject to change without notice at any time. For more information, visit your nearest branch or call us at 1-855-670-0510.

3 Year:

Average annual return on original investment if held to maturity.
Simple interest: 1.473%
T-5 rate (compound): 1.479%

5 Year:

Average annual return on original investment if held to maturity.
Simple interest: 2.253%
T-5 rate (compound): 2.283%
Minimum investment $500. Cashable on anniversary dates.

List of rates for 3 year - Non-registered or RRSP/TFSA eligible
3 year - Non-registered or RRSP/TFSA eligible Rate
Year 1
0.70%
Year 2
1.00%
Year 3
2.75%
List of rates for 5 year - Non-registered or RRSP/TFSA eligible
5 year - Non-registered or RRSP/TFSA eligible Rate
Year 1
0.70%
Year 2
1.00%
Year 3
2.75%
Year 4
3.25%
Year 5
3.75%

Business Investments

Rates are subject to change without notice at any time and are not guaranteed unless confirmed by phone. For more information, visit your nearest branch or call us at 1-855-670-0510.

List of rates for Business Term Deposits
Business Term Deposits Rate
1 Year Term
4.50%
2 Year Term
4.25%
3 Year Term
3.90%
4 Year Term
3.50%
5 Year Term
3.50%
List of rates for Business High Interest Savings
Business High Interest Savings Rate
$0 < $24,999
0.50%
$25,000 < $99,999
0.60%
$100,000 < $249,999
0.70%
$250,000 < $499,999
0.80%
> $500,000
0.90%
List of rates for Redeemable Investment Certificates
Redeemable Investment Certificates Rate
Redeemable Investment Certificates
2.00%
 
 
Contact Us: 1 855-670-0510
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