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HIGH RATIO MORTGAGE SPECIAL
Insured mortgages only
3.99%
5-Year Fixed High Ratio (Insured)
16-MONTH DEPOSIT SPECIAL
GIC, RRSP, RRIF, TFSA
3.00%
Min. deposit $500. New money only.
BUSINESS HIGH RATE SAVINGS ACCOUNT
Rates up to
2.65%
No monthly fee
Prime Base Rate
Kawartha Credit Union Prime
Kawartha Mortgage Prime
Rates effective 2025-03-14
Foreign Exchange Buy USD
The buy rate
Foreign Exchange Sell USD
The sell rate
Mortgages
Accounts
Foreign Exchange
Term Deposits
RateBuilder
Business Investments
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.
| Prime Base Rate | Rate |
|---|---|
| Prime Base Rate |
5.45
|
| Mortgage Prime | Rate |
|---|---|
| Mortgage Prime |
4.95
|
First Mortgages
Multiple first mortgages are available under the umbrella of the CreditMaster product.
| Special Offer: First Mortgages | Rate |
|---|---|
| 3-Year Variable Closed (some restrictions apply) Mortgage Prime + 1.00% |
5.95
|
| 5-Year Variable Closed (some restrictions apply) Mortgage Prime less 0.25% |
4.70
|
| 3-Year Closed (some restrictions apply) |
4.49
|
| 5-Year Closed (some restrictions apply) |
4.39
|
| 3-Year Closed Insured (High Ratio) |
4.09
|
| 5-Year Closed Insured (High Ratio) |
3.99
|
| First Mortgages | Rate |
|---|---|
| 1-Year Open |
9.75
|
| 6-Month Closed |
7.94
|
| 1-Year Closed |
7.29
|
| 2-Year Closed |
6.89
|
| 3-Year Closed |
6.64
|
| 4-Year Closed |
6.44
|
| 5-Year Closed |
6.59
|
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.
| Personal Chequing | Rate |
|---|---|
| Less than 1,000 |
0
|
| Less than 10,000 |
0
|
| Less than 25,000 |
0
|
| Greater than 25,000 |
0
|
| Savings | Rate |
|---|---|
| Less than 5,000 |
.05
|
| Greater than 5,000 |
.05
|
| High Interest Savings | Rate |
|---|---|
| Non-Registered |
1.00
|
| Registered |
1.00
|
| Bonus for monthly transfers of $200 or more |
0.15
|
| Business 1 Chequing | Rate |
|---|---|
| Less than 1,000 |
0
|
| Less than 10,000 |
0
|
| Less than 25,000 |
0
|
| Greater than 25,000 |
0
|
| Business 1 Savings | Rate |
|---|---|
| Less than 5,000 |
0
|
| Less than 250,000 |
0
|
| Greater than 250,000 |
0.15
|
| Community | Rate |
|---|---|
| Less than 1,000 |
0
|
| Less than 10,000 |
0
|
| Less than 25,000 |
0
|
| Greater than 25,000 |
0
|
| US $ Savings/Chequing | Rate |
|---|---|
| Less than 5,000 |
0
|
| Greater than 5,000 |
0
|
| Life Insured | Rate |
|---|---|
| $0 min. balance |
.05
|
| 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.
| Foreign Exchange Rates | Buy Rate | Sell Rate |
|---|---|---|
| FX buy USD |
1.4144
|
1.3544
|
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.
| 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
|
| GICs Annual Interest Terms – Non-registered | Rate |
|---|---|
| 1-Year (min. deposit $500) |
2.80
|
| 16-Month Special (min. deposit $500, new money only) |
3.00
|
| 2-Year (min. deposit $500) |
2.80
|
| 3-Year (min. deposit $500) |
2.80
|
| 4-Year (min. deposit $500) |
2.80
|
| 5-Year (min. deposit $500) |
3.10
|
| GICs Annual Interest Terms – RRSP / RRIF / TFSA eligible | Rate |
|---|---|
| 1-Year (min. deposits may apply) |
2.80
|
| 16-Month Special (min. deposit $500, new money only) |
3.00
|
| 2-Year (min. deposits may apply) |
2.80
|
| 3-Year (min. deposits may apply) |
2.80
|
| 4-Year (min. deposits may apply) |
2.80
|
| 5-Year (min. deposits may apply) |
3.10
|
| Redeemable Term Certificates | Rate |
|---|---|
| Non-registered or TFSA eligible (min. deposit $500) |
2.00
|
| Callable RRSP (min. deposit $500) |
2.00
|
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.
| 3 year - Non-registered or RRSP/TFSA eligible | Rate |
|---|---|
| Year 1 |
0.70
|
| Year 2 |
1.00
|
| Year 3 |
2.75
|
| 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.
| Business Term Deposits | Rate |
|---|---|
| 1-Year (min. deposit $2,000) |
2.80
|
| 2-Year (min. deposit $2,000) |
2.80
|
| 3-Year (min. deposit $2,000) |
2.80
|
| 4-Year (min. deposit $2,000) |
2.80
|
| 5-Year (min. deposit $2,000) |
3.10
|
| Business High Rate Savings Account | Rate |
|---|---|
| $0 - $99,999 |
0.75
|
| $100,000 - $249,999 |
2.50
|
| > $250,000 |
2.65
|
| Redeemable Investment Certificates | Rate |
|---|---|
| Redeemable Investment Certificates |
2.00
|
*Rates are subject to change without notice. Interest rates are per annum. Terms and conditions apply. In the event of a discrepancy between the rates posted on this website and the official rates posted in our branches, the latter shall prevail.
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