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Rates

 

3 Year Closed

5 Year Closed

Non-Redeemable GIC/RRSP

 

Mortgage Rates

Rates effective as of 2024-12-12
List of rates for Mortgage Closed Special Rates
Mortgage Closed Special Rates Rate
3 Year
4.79%
5 Year
4.39%
 
List of rates for Open Mortgage Rates
Open Mortgage Rates Rate
6 Months
9.75%
1 Year
9.00%
2 Year
9.50%
3 Year
10.0%
List of rates for Closed Mortgage Rates
Closed Mortgage Rates Rate
6 Months
7.99%
1 Year
7.24%
2 Year
6.84%
3 Year
6.54%
4 Year
6.44%
5 Year
6.49%
Convertible
7.99%
List of rates for Prime Rate
Prime Rate Rate
Prime Rate
5.45%
 

Loans & Lines of Credit

List of rates for Lending
Lending Rate
Loans under $2,500
15.50%
Overdraft under $5,000
17.25%
RRSP Top-Off Loans - 1st year at Prime, amortizations of 1-10 years
 

Investments

Rates effective as of 2024-12-12

List of rates for Deposit Rate Specials
Deposit Rate Specials Rate
Non-Redeemable GIC/RRSP/TFSA/RRIF - 3 Years
3.65%
List of rates for Short-Term
Short-Term Rate
30-59 Days
0.65%
60-89 Days
0.70%
90-119 Days
0.75%
120-179 Days
0.80%
180-269 Days
0.90%
270-364 Days
1.00%
List of rates for 1 to 5 Year Term Deposits
1 to 5 Year Term Deposits Rate
1 Year
3.00%
2 Years
2.50%
3 Years
2.40%
4 Years
2.40%
5 Years
2.40%
List of rates for Guaranteed Investment Certificates
Guaranteed Investment Certificates Rate
1 Year
3.75%
2 Years
3.50%
3 Years
3.50%
4 Years
3.40%
5 Years
3.40%
 

Savings Accounts

Rates effective as of 2024-12-12

List of rates for Savings
Savings Rate
HISA (High Interest Savings Account)
1.25%
U.S. Dollar
0.25%
Park & Plan RRSP
1.50%
Park & Plan RRIF
1.50%
Park & Plan TFSA
1.50%
 
 

Become a member your way

Planning calculators

Try our handy calculators to explore how different rates affect your finances.

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*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!

Bank of Canada Qualifying Rate: All new mortgage applications submitted for insurance must use a qualifying 
rate, which is the greater of the borrower's mortgage contract rate plus 2%, or 5.25%

PPSA Registration 1-5 years $100
PPSA Registration +5 years  Add $10/year
PPSA Search  $25
PPSA Amendment  $25
Sub-search (CRO)  $30
Under $5,000 Loan Application Fee  $50
Interest Letters $20
Skip-a-Payment $35
Late Payment Fee $45
Guaranteed cards (Collabria)  $50