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Prime Rate
Effective October 30, 2025
4.45
*
%
Overdraft
Overdraft Protection Rate
21.00
*
%
*Rates are subject to change without notice.
Mortgage Rates
Mortgage Rates
| Variable Rate Closed Mortgage | Rate |
| 1 to 5 year closed | Prime - 0.50% |
| Variable Rate Open Mortgage | Rate |
| 5 year open |
Prime + 1.00% |
*Capped rates are guaranteed for 60 days. This applies to the capped portion of the rate, not the rate itself.
| Term | Residential Fixed Straight Rate | Residential Fixed Flex Rate | Residential Fixed Rate |
|
1 year open
|
- | - | 9.75% |
|
6 month closed
|
- | - | 6.99% |
| 1 year closed | 4.99% | 5.34% | 6.19% |
| 2 year closed | 4.59% | 4.94% | 5.39% |
| 3 year closed | 4.04% | 4.39% | 6.05% |
| 4 year closed | 4.09% | 4.44% | 5.99% |
| 5 year closed | 4.09% | 4.44% |
6.09% |
| 6 year closed | - | 4.84% | 6.49% |
| 7 year closed | - | 4.94% | 6.59% |
Straight Rate Mortgage has additional terms and conditions. Speak to your Financial Advisor to determine if this product suits your needs.
Residential mortgage rates are compounded annually, not in advance.
Some conditions may apply to the posted personal mortgage rates; rates are provisional upon approved credit.
Each annual percentage rate (APR) is for a mortgage of $100,000 with monthly payments and a 25 year amortization. APR assumes no fees apply. You may be required to pay additional fees which would increase your APR. Rates subject to change without notice.
Some conditions may apply to the posted personal mortgage rates; rates are provisional upon approved credit.
Each annual percentage rate (APR) is for a mortgage of $100,000 with monthly payments and a 25 year amortization. APR assumes no fees apply. You may be required to pay additional fees which would increase your APR. Rates subject to change without notice.
Savings & Investment Rates
| Registered Savings Account | Rate |
| $0 - $5,000 | 0.55% |
| $5,000.01 - $25,000 | 0.55% |
| $25,000.01 - $60,000 | 0.55% |
| $60,000.01 - $100,000 | 0.55% |
| $100,000.01 + | 0.55% |
| Regular Savings Account | Rate |
| $0 - $5,000 | 0.30% |
| $5,000.01 - $25,000 | 0.35% |
| $25,000.01 - $60,000 | 0.40% |
| $60,000.01 - $100,000 | 0.45% |
| $100,000.01 + | 0.55% |
| AgriInvest Savings Account | Rate |
| $0 - $5,000 | 0.55% |
| $5,000.01 - $25,000 | 1.25% |
| $25,000.01 - $60,000 | 1.25% |
| $60,000.01 - $100,000 | 1.25% |
| $100,000.01 + | 1.25% |
| Redeemable Investments (Term Deposit, RRSP, RRIF, TFSA) | Rate |
| 1 year | 2.25% |
Minimum Deposit on a Redeemable Investment is $1,000.
Redeemable in full after 90 days without penalty or rate reduction. $1,000 minimum balance must be maintained.
No interest paid if redeemed within the first 90 days.
| Non-Redeemable Investments (Term Deposit, RRSP, RRIF, TFSA, LIRA) | Rate |
| 1 year | 2.50% |
| 2 year | 2.60% |
| 3 year | 2.60% |
| 4 year | 2.70% |
| 5 year | 2.80% |
Minimum Deposit on a Non-Redeemable Investment is $1,000.
| Easy Builder Investments Non-Redeemable (Term Deposit, RRSP, TFSA) | Rate |
| 12 months | 2.25% |
Minimum Initial Deposit on an Easy Builder Investment is $100.
Minimum of $50 pre-authorized transfer/month.
Minimum of $1,000 must be reached at end of term.
Foreign Exchange Rates
Our foreign exchange service allows you to buy and sell Canadian and U.S. dollars. These exchange rates apply to cash, cheque, and Money Wire Transfers only.
|
Foreign Exchange Rates
Effective 2026-01-02
|
Buying | Selling |
| United States Dollar - Cash ($0 - $4,999)* | 1.4063 | 1.3283 |
Transactions over $5,000 USD may qualify for better rates, please contact us.
For requests of $5,000 USD and over or to place an order for other currencies, visit your nearest branch or contact us.
NOTE: Rates are subject to change without notice at any time.
Rates are provided for information purposes only and are subject to change without notice at any time. These rates are posted rates, which are competitive in our marketplace. We will always act in your best interest, so contact us to discuss your needs and rate.