Explore our latest mortgage, loan, savings, and term deposit rates.

Promotional Rates*

Limited time only! Take advantage of some of our best savings. Rates you don’t want to miss.

Earn 4.70% on a High Interest Savings Account (HISA) 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. Now the perfect time to grow your savings faster.

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%

Start earning today

Book an appointment with an advisor to open a HISA, TFSA, RRSP, or RRIF and maximize your return on new deposits.

Book now, opens in a new tab

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%

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	4.79%
2 Year	4.29%
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	2.95%
2 Year Nonredeemable	3.10%
3 Year Nonredeemable	3.25%
4 Year Nonredeemable	3.35%
5 Year Nonredeemable	3.40%

List of rates for LONG TERM NONREDEEMABLE (NON REGISTERED)
LONG TERM NONREDEEMABLE (NON REGISTERED)	Rate
1 Year Nonredeemable	2.85%
2 Year Nonredeemable	3.00%
3 Year Nonredeemable	3.15%
4 Year Nonredeemable	3.25%
5 Year Nonredeemable	3.30%

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)	1.3954	1.3302
Great British Pounds	1.8756	1.7656
Euro	1.6385	1.5185

*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

***This offer is only available to new members opening their first eligible High Interest Savings Account. Eligible High Interest Savings Accounts will earn a Promotional Introductory Interest rate on Eligible Funds up to $250,000 for the first 90 calendar days from the date the account is opened.

****Interest is calculated on closing daily balance in an Account and paid at month-end. The interest is an annual interest rate. Interest is earned in the currency of the account. Promotional interest rate will not be earned on pre-existing FCU Community Financial accounts. Terms and Conditions and transaction service limitations may apply. Refer to Terms & Conditions for details.

“Eligible Funds” are new funds deposited to the first Eligible Account up to a maximum balance of $250,000. All interest is calculated on the closing daily balance in an account and paid monthly. Interest rates quoted are per annum simple interest. Interest is earned in the currency of the account.

Members are responsible for their CRA contribution limits for registered plans and knowing what those limits are. FCU Community Financial is not responsible for any loss or damage from over contributions.

New deposits are funds that originate from sources other than accounts or investments with FCU Community Financial or accounts with Aviso Wealth. FCU Community Financial maintains the right to modify, shorten, extend, suspend or withdraw this promotional offer at any time without prior notice.

Promotional interest rate can be earned on new deposits until April 30, 2026. Starting May 1, 2026, the Promotional High Interest Savings Account will be automatically converted into a standard High Interest Savings account and will revert to the current applicable rate. 