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Rates*

 

Find the competitive interest rate you need for any product

 
 

3 Year Closed

Rate Special

5 Year Closed

Rate Special

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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
5.20%
 

Let's find the right rate for you

We believe in making financial solutions accessible. Our knowledgeable advisors are just a live chat, video call, or phone call away, ready to assist you in securing the best rate for your needs. If you're not finding what you’re looking for, reach out to us for a personalized rate solution tailored just for you. Together, we can help you achieve your financial goals.
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Try our mortgage calculator

Our convenient mortgage calculator allows you to explore how much you can afford to borrow, view your potential repayment schedule, and see how different interest rates impact your options. Use this tool to gain a clearer understanding of your financial possibilities and make informed decisions for your future.
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Guide to homebuying

Purchasing a home is no easy task. Our guide is your one-stop, go-to resource for all things homebuying.

How to ace the stress test

With a little preparation, you can get top marks on your mortgage stress test when the time comes to buy your first home.

Mini, Mobile, and Modular Home Financing

Choose the perfect home that suits your needs, regardless of size or shape. We offer special rates for your home mortgage needs, whether you're looking for new or used or plan to live on owned or leased land.

We want to ensure you're fully informed. Please note that all rates are subject to change without notice and are not guaranteed unless confirmed by phone or fax.

Our calculators are helpful tools for independent use but are not intended to provide specific investment advice. All examples provided are hypothetical and meant for illustrative purposes only. We encourage you to visit your nearest OMISTA branch and speak with our qualified professionals for personalized guidance on your finance matters. Your financial well-being is our priority!

 

Non-Redeemable GIC/RRSP

Deposit Rate Special

 
 
List of rates for Short-Term Term Deposits
Short-Term Term Deposits 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%
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 Park & Plan
Park & Plan Rate
RRSP
1.50%
RRIF
1.50%
TFSA
1.50%
 
 
List of rates for Prime Rate
Prime Rate Rate
Prime Rate
5.20%
 

Open a GIC today!

Open Guaranteed Investment Certificates (GICs) online today for a simple and secure way to invest long-term.
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Guide to saving & investing

Want to learn more about investing? Wish you could save more and spend less? This guide has you covered.

Building healthy financial habits

Healthy habits aren't just for your lifestyle. Here's how to ensure future you (and current you) are set up for success.

Get more genuine tips, tricks, and helpful resources on our Honest Money blog.

We want to ensure you're fully informed. Please note that all rates are subject to change without notice and are not guaranteed unless confirmed by phone or fax.

Our calculators are helpful tools for independent use but are not intended to provide specific investment advice. All examples provided are hypothetical and meant for illustrative purposes only. We encourage you to visit your nearest OMISTA branch and speak with our qualified professionals for personalized guidance on your finance matters. Your financial well-being is our priority!

 
 
List of rates for Savings
Savings Rate
HISA (High Interest Savings Account)
1.25%
U.S. Dollar
0.25%
List of rates for Your Business & Our Community Savings
Your Business & Our Community Savings Rate
$0 - $4,999
0.25%
$5,000 - $9,999
0.25%
$10,000 - $24,999
0.50%
$25,000 - $49,999
0.75%
$50,000 - $99,999
1.00%
$100,000 - $249,999
1.25%
$250,000 +
2.00%
 
 
List of rates for Prime Rate
Prime Rate Rate
Prime Rate
5.20%
 

Open an account today

Get in touch or stop by one of our local branches near you.
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Try our savings calculators

Our easy-to-use savings calculator lets you see the benefits of compounding, especially when paired with the proper interest-bearing savings account.
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We want to ensure you're fully informed. Please note that all rates are subject to change without notice and are not guaranteed unless confirmed by phone or fax.

Our calculators are helpful tools for independent use but are not intended to provide specific investment advice. All examples provided are hypothetical and meant for illustrative purposes only. We encourage you to visit your nearest OMISTA branch and speak with our qualified professionals for personalized guidance on your finance matters. Your financial well-being is our priority!

 
 
 

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