Rates
Rates Effective: November 9, 2023
All rates are subject to change without notice
Rates for Loans and Lines of Credit are determined based on the quality of the credit application. Personal loan rates are variable and may fluctuate. Rate quotes are "base" and may vary from posted rates depending on individual credit and security.
Variable rates will fluctuate. Your payment stays the same
The maximum loan repayment period is up to 60 months or longer (some conditions apply)
| Mortgages | ||
|---|---|---|
|
Posted Rate
|
Feature Rate
|
|
| 6 month open |
8.00%
|
|
| 1 year open |
8.50%
|
|
| 1 year closed |
7.19%
|
|
| 2 year closed |
6.84%
|
|
| 3 year closed |
6.74%
|
|
| 4 year closed |
6.69%
|
|
| 5 year closed |
6.69%
|
6.24%
|
| 5 year closed high ratio |
6.69%
|
5.89%
|
| 5 year closed (variable rate) |
7.20%
|
|
| Term Deposits (Non-Redeemable) (Available for Regular, RRSP*, RRIF* and TFSA* Deposits) | |||||
|---|---|---|---|---|---|
| Minimum Deposit |
*1 Year
|
2 Year
|
3 Year
|
4 Year
|
5 Year
|
| $ 1,000.00 |
4.90%
|
5.00%
|
4.50%
|
4.50%
|
4.55%
|
*Rate subject to change at any time
| Term Deposits (Non-Redeemable) (Available for Regular, RRSP*, RRIF* and TFSA* Deposits) | |||||
|---|---|---|---|---|---|
| Minimum Deposit |
30 Day
|
60 Day
|
90 Day
|
180 Day
|
270 Day
|
| $ 1,000.00 |
0.45%
|
0.55%
|
0.65%
|
0.70%
|
0.70%
|
| RESP Term Deposits (Non-Redeemable) | |||||
|---|---|---|---|---|---|
| Minimum Deposit |
12-23 Months
|
24-35 Months
|
36-47 Months
|
48-59 Months
|
60 Months
|
| $ 500 |
5.55%
|
5.55%
|
5.40%
|
5.10%
|
5.10%
|
| Escalator Term Deposits Regular RRSP, RRIF, TFSA - Min. Deposit $1,000 | |||||
|---|---|---|---|---|---|
| Term to Maturity |
Year 1
|
Year 2
|
Year 3
|
Year 4
|
Year 5
|
| 3 Years |
4.40%
|
4.50%
|
4.60%
|
|
|
| 5 Years |
4.75%
|
4.80%
|
4.40%
|
4.40%
|
4.40%
|
| Deposit Special - Limited Time Only! | 1 Year | ||
|---|---|---|---|
| Cashable GIC | 2.50% | ||
| US Term Deposit (Regular Term Only) | ||
|---|---|---|
| 0.25% | 1 Year Term | Min. deposit of $1,000 |
| Savings Accounts | |
|---|---|
| Everyday Savings | 0.025% |
| Express Savings | |
| Under $5,000 | 0.05% |
| 5,000 and over | 0.15% |
| Energize Savings | 1.00% |
| Explore Savings | 0.25% |
| RRSP/RRIF | |
| Under $20,000* | 0.05% |
| $20,000 and over* | 0.05% |
| TFSA | 0.40% |
| RESP (Min. deposit $100) | 0.15% |
| Special Savings | 0.05% |
| Eagle US Account | 0.010% |
| *Members are responsible to ensure RRSP/TFSA deposits do not exceed their personal Canada Revenue Agency contribution room. At Rapport Credit Union, eligible deposits in registered accounts have unlimited coverage through the Financial Services Regulatory Authority (FSRA). Eligible deposits (not in registered accounts) are insured up to $250,000 through the Financial Services Regulatory Authority (FSRA). For more info click here. Note: Interest on term deposits are calculated and compounded annually on the anniversary date. |
|
