OMISTA Credit Union

Rates*

Prime Rate

    • Prime Rate
    • 5.45%

Savings

    • Demand Deposit
    • 0.25%
    • Investment Savings Plan**
    • 1.00%
    • E_Savings
    • 1.25%
    • Plan24
    • 0.25%
    • Free and Easy Savings
    • 0.25%
    • Agrilnvest
    • 0.10%
    • TFSA
    • 1.25%

SmartSAVE (Tiered Rate Savings)

    • SmartSAVE Tier $0 - $ 4,999
    • 0.25%
    • SmartSAVE Tier $5,000 - $ 24,999
    • 0.50%
    • SmartSAVE Tier $25,000 - $ 59,999
    • 0.75%
    • SmartSAVE Tier $60,000 or more
    • 1.00%

Short Term GICs and TFSAs (Rates effective 2014-06-11)

    • Short Term - 30 - 59 Days
    • 0.65%
    • Short Term - 60 - 89 Days
    • 0.70%
    • Short Term - 90 - 119 Days
    • 0.75%
    • Short Term - 120 - 179 Days
    • 0.80%
    • Short Term - 180 - 269 Days
    • 0.90%
    • Short Term - 270 - 364 Days
    • 1.00%

Long Term GICs (Rates effective 2024-10-07)

    • ***3 Year Deposit Rate Special***OAC
    • 3.65%
    • 1 Year
    • 3.75%
    • 2 Year
    • 3.50%
    • 3 Year
    • 3.50%
    • 4 Year
    • 3.40%
    • 5 Year
    • 3.40%
    • Term Deposit- 12 - 24 Months less a day
    • 3.00%
    • Term Deposit- 24 - 36 Months less a day
    • 2.50%
    • Term Deposit- 36 - 48 Months less a day
    • 2.40%
    • Term Deposit- 48 - 60 Months less a day
    • 2.40%
    • Term Deposit- 60 Months
    • 2.40%

RRSP

    • Variable
    • 0.15%
    • 1 Year
    • 3.75%
    • 2 Year
    • 3.50%
    • 3 Year
    • 3.50%
    • 4 Year
    • 3.40%
    • 5 Years
    • 3.40%
    • SmartSAVE RRSP $0 - $4,999
    • 0.10%
    • SmartSAVE RRSP $5,000 - $24,999
    • 0.15%
    • SmartSAVE RRSP $25,000 - $59,999
    • 0.20%
    • SmartSAVE RRSP $60,000 or more
    • 0.25%

Closed Mortgages

    • ***5 Year Mortgage Rate Special *** OAC
    • 4.39%
    • ***3 Year Mortgage Rate Special *** OAC
    • 4.79%
    • Closed - 6 Months
    • 7.99%
    • Closed - 1 Year
    • 7.24%
    • Closed - 2 Years
    • 6.84%
    • Closed - 3 Years
    • 6.54%
    • Closed - 4 Years
    • 6.44%
    • Closed - 5 Years
    • 6.49%

Open Mortgage

    • Open - 6 month
    • 9.75%
    • Open - 1 Year
    • 9.00%
    • Open - 2 Years
    • 9.50%
    • Open - 3 Years
    • 10.00%

Loans

    • Loans under $2,500
    • 15.50%
    • Overdraft under $5,000
    • 17.25%
    • RRSP Top Up Loan - 1 to 10 Years - First Year at Prime
    • 5.45%

Foreign exchange: please contact your branch for current rates.

*Rates and fees are provided for information purposes only and are subject to change at any time.

**The rate of return on this account has historically outperformed all of our other regular savings accounts. The interest rate is based on OMISTA Credit Union's performance throughout the year. It's your way of sharing in your Credit Union's profits!

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