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First Credit Union Rates

Get competitive rates on the products you need. Check out some of our featured rates below. For additional details, contact your local branch.

 
 
  • Rates
 
 

Deposit Specials

 
 

1 Year Cashable After 90 Days

2.50

18 Month Locked

3.75
 
 
 

Posted Rates

 
List of rates for PRIME RATE
PRIME RATE Rate
Prime Rate
5.45
 
List of rates for VARIABLE RATE MORTGAGES
VARIABLE RATE MORTGAGES Rate
5-Year Variable, Closed (Insured)
3.15
 
 
 

More Rates

Accounts

 
List of rates for SAVINGS ACCOUNTS
SAVINGS ACCOUNTS Rate
First Savings
0.05
Smart Saver
0.05
Power Saver
1.00
TFSA HISA
1.00
 
List of rates for US ACCOUNTS
US ACCOUNTS Rate
US Daily Savings
0.05

All account rates are subject to change.

Foreign Exchange

Planning a trip and needing some foreign currency? We can help!  Ensure you plan ahead. For US dollars, Euros, Pounds, or any other foreign currency,  please place your order at least a week in advance. 

Buy rate is the rate for members to buy foreign currency and pay in Canadian funds. Sell rate is the rate for members to sell foreign currency and receive Canadian funds.

 

 
List of rates for Foreign Exchange Rates
Foreign Exchange Rates Buy Rate Sell Rate
United States (Dollar)
1.3839
1.3319
Great British Pounds
1.5395
1.4245
Euro
1.3773
1.2593

Mortgages

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

 
List of rates for FIXED RATE CLOSED*
FIXED RATE CLOSED* Rate
1 Year
4.69
2 Year
4.79
3 Year
4.99
4 Year
5.09
5 Year (Insured)
5.09
5 Year
5.19
7 Year
5.99
 
List of rates for VARIABLE RATE MORTGAGES
VARIABLE RATE MORTGAGES Rate
5-Year Variable, Closed (Insured)
3.15
 

The above Annual Percentage Rates (APR) for our special offers are compounded semi-annually, not in advance. Variable interest rates will change automatically as First Credit Union's prime rate changes. Applications are subject to meeting First Credit Union's standard credit criteria, residential mortgage standards and maximum permitted loan amounts. Other conditions may apply.

*Interest rates are provided for information purposes only and are subject to change at any time without notice.

Term Deposits

 
List of rates for Deposit Specials
Deposit Specials Rate
1 Year Cashable After 90 Days
2.50
18 Month Locked
3.75
 
List of rates for SHORT TERM REDEEMABLE DEPOSITS
SHORT TERM REDEEMABLE DEPOSITS Rate
Short Term - Up to 364 Days
0.05
List of rates for SHORT TERM NON REDEEMABLE
SHORT TERM NON REDEEMABLE Rate
Short Term, 30 - 59 Days
0.05
Short Term, 60 - 89 Days
0.10
Short Term, 90 - 119 Days
0.15
Short Term 120 - 179 Days
0.20
Short Term 180 - 269 Days
0.25
Short Term 270 - 364 Days
0.30
 
List of rates for LONG TERM NON REDEEMABLE
LONG TERM NON REDEEMABLE Rate
1 Year Non-Redeemable
3.00
2 Year Non-Redeemable
3.25
3 Year Non-Redeemable
3.50
4 Year Non-Redeemable
3.75
5 Year Non-Redeemable
4.00
 

All term deposit rates are subject to change.

 
 

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

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.