Rates for borrowing, saving & investing.

Explore our latest mortgage rates, loan rates, savings rates, and term deposit rates all in one convenient place. We keep our rates current and easy to compare so you can plan with confidence and choose solutions that fit your goals. Whether you’re saving, borrowing, or investing, check back regularly for updated rates and opportunities to make the most of your money.

Limited Time Only: Rates You Don’t Want to Miss!

Take advantage of some of our best saving rates.

Earn 4.70% on a High Interest Savings Account and an even higher 4.80% on TFSAs, RRSPs, and RRIFs when you deposit new money. These promotional rates are also available to new members on eligible accounts, making now the perfect time to grow your savings faster.

Rates are subject to eligibility requirements and may change or end at any time. Contact us for details and see if you qualify. Terms & conditions apply.

Book an appointment with an advisor to open a high-interest savings account, TFSA, RRSP, or RRIF and maximize your return on new deposits.

Start Earning More Today

Featured Rates

List of rates for MORTGAGE
MORTGAGE	Rate
5 Year Fixed Rate Closed (Insured)	4.04%

List of rates for TERM DEPOSITS
TERM DEPOSITS	Rate
1 Year Cashable After 30 Days	2.15%
1 Year Cashable After 90 Days	2.25%

Promotional Rates*

List of rates for PROMOTIONAL RATES, NEW MONEY
PROMOTIONAL RATES, NEW MONEY	Rate
HISA	4.70%
TFSA, RRSP, RRIF	4.80%

List of rates for PROMOTIONAL RATES, NEW MEMBERS
PROMOTIONAL RATES, NEW MEMBERS	Rate
HISA	4.70%
TFSA, RRSP	4.80%

Posted Rates

List of rates for PRIME RATE
PRIME RATE	Rate
Prime Rate	4.45%

Mortgages**

List of rates for FIXED RATE CLOSED
FIXED RATE CLOSED	Rate
1 Year	4.89%
2 Year	4.39%
3 Year	3.84%
4 Year	3.94%
5 Year (Insured)	4.04%
5 Year	4.34%

List of rates for VARIABLE RATE MORTGAGES
VARIABLE RATE MORTGAGES	Rate
5-Year Variable, Closed (Insured)	Prime -0.85%

Term Deposits

List of rates for Deposit Specials
Deposit Specials	Rate
1 Year Cashable After 90 Days	2.25%
1 Year Cashable After 30 Days	2.15%

List of rates for LONG TERM NONREDEEMABLE (REGISTERED)
LONG TERM NONREDEEMABLE (REGISTERED)	Rate
1 Year Nonredeemable	3.00%
2 Year Nonredeemable	3.20%
3 Year Nonredeemable	3.35%
4 Year Nonredeemable	3.45%
5 Year Nonredeemable	3.50%

List of rates for LONG TERM NONREDEEMABLE (NON REGISTERED)
LONG TERM NONREDEEMABLE (NON REGISTERED)	Rate
1 Year Nonredeemable	2.90%
2 Year Nonredeemable	3.10%
3 Year Nonredeemable	3.25%
4 Year Nonredeemable	3.35%
5 Year Nonredeemable	3.40%

Savings Accounts

List of rates for SAVINGS ACCOUNTS
SAVINGS ACCOUNTS	Rate
First Savings	0.05%
Smart Saver	0.05%
TFSA HISA	0.70%

List of rates for POWER SAVER
POWER SAVER	Rate
On first $4,999.99	0.25%
$5000.00 & over	0.50%

List of rates for US ACCOUNTS
US ACCOUNTS	Rate
US Daily Savings	0.05%

Foreign Exchange

List of rates for Foreign Exchange Rates
Foreign Exchange Rates	Buy Rate	Sell Rate
United States (Dollar)	1.3916	1.3264
Great British Pounds	1.9122	1.8021
Euro	1.6750	1.5550

*Rates are subject to change without notice. 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.

**Mortgage rates apply to owner-occupied single family homes. For commercial rates members should contact a commercial lender at BusinessServices@firstcu.ca