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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.
Posted Rates
| PRIME RATE | Rate |
|---|---|
| Prime Rate |
5.45
|
| VARIABLE RATE MORTGAGES | Rate |
|---|---|
| 5-Year Variable, Closed (Insured) |
3.15
|
More Rates
ACCOUNTS
FOREIGN EXCHANGE
MORTGAGES
TERM DEPOSITS
Accounts
| SAVINGS ACCOUNTS | Rate |
|---|---|
| First Savings |
0.05
|
| Smart Saver |
0.05
|
| Power Saver |
1.00
|
| TFSA HISA |
1.00
|
| 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.
| 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.
| 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
|
| 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
| Deposit Specials | Rate |
|---|---|
| 1 Year Cashable After 90 Days |
2.50
|
| 18 Month Locked |
3.75
|
| SHORT TERM REDEEMABLE DEPOSITS | Rate |
|---|---|
| Short Term - Up to 364 Days |
0.05
|
| 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
|
| 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.
About B Corp
We are proud to be a certified B Corporation. This certification designates that a business is a leader in the global movement for an inclusive, equitable, and regenerative economy while meeting high standards of verified performance, accountability, and transparency on factors from employee benefits and charitable giving to supply chain practices and input materials.
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