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Prime Rate

6.00%

Rate effective 2024-12-12

Borrowing Rates

 

LOAN SPECIAL RATES*

*Rates subject to change at any time. Qualifications and conditions apply.

  1 YEAR 2 YEAR 3 YEAR 4 YEAR 5 YEAR
SECURED 6.49% 6.09% 5.85% 5.59% 5.65%
UNSECURED 6.99% 6.59% 6.31% 6.09% 6.15%
 

Rate Specials

7 Year Mortgage Special (Rates effective 2024-10-01) Rates
Fixed Rate Mortgage 7 Year Term* 5.65%

5 Year Mortgage Special (Rates effective 2024-10-11) Rates
Fixed Rate Mortgage 5 Year Term* 4.74%

3 Year Mortgage Special (Rates effective 2024-10-11) Rates
Fixed Rate Mortgage 3 Year Term* 4.79%

1 Year Mortgage Special (Rates effective 2024-10-01) Rates
Fixed Rate Mortgage 1 Year Term* 6.19%

3 Year Variable Rate Mortgage (Rates effective 2024-12-12) Rates
Prime for a 3 Year Term* 6.00%

Conventional Housing High Ratio CMHC(Rates effective 2024-12-12) Rates
First Mortgage* 7.04%
Second Mortgage* 8.04%

D/W and S/W Mobile Homes (Rates effective 2024-12-12) Rates
CMHC CLIP* 7.54%

Land-Only Mortgage (Rates effective 2024-12-12) Rates
Low Ratio First Mortgage* 8.04%

Posted Rates

1 Year Closed (Rates effective 2024-12-12) Rates
Fixed Rate First Mortgage 1 Year Term* 7.04%

2 Year Closed (Rates effective 2024-12-12) Rates
Fixed Rate First Mortgage 2 Year Term* 6.69%

3 Year Closed (Rates effective 2024-12-12) Rates
Fixed Rate First Mortgage 3 Year Term* 6.64%

4 Year Closed (Rates effective 2024-12-12) Rates
Fixed Rate First Mortgage 4 Year Term* 6.37%

5 Year Closed (Rates effective 2024-10-01) Rates
Fixed Rate First Mortgage 5 Year Term* 6.57%


*Final rate determined by all aspects of your application and your financial relationship with StellerVista. 

Consumer Loans (Rates effective 2023-08-01) Rates
1 to 5 year terms 8.86%

 

Motorized Vehicle Loans (Rates effective 2022-07-26) Rates
3 to 5 year terms 

* For 2021 models or newer
* Some conditions apply		 5.99%

 

MemberLine Lines of Credit (Rates effective 2024-12-12) Rates
Rates as low as Prime + 0.50% 6.50%​

 

Investing Rates

Community Bond Rates

  12 Month 
Cashable after 90 days with no penalty  		 12 Month 
Auto renews into a 1 year term at maturity 		 24 Month 
Auto renews into a 2 year term at maturity 		 60 Month 
20% of original balance redeemable on anniversary with no penalty 
  Redeemable Non-Redeemable Non-Redeemable Non-Redeemable
$500 2.95% 3.65% 3.40% 3.20%
$25,000 3.00% 3.70% 3.45% 3.25%
$100,000 3.05% 3.75% 3.50% 3.30%

Lock in Your Rate Today >

 *Please note that all rates and promotional offers are subject to change without prior notice. Our credit union reserves the right to modify or end any rates and promotions at any time based on market conditions or other factors. We encourage our members to check our website regularly or contact us directly for the most current rate information.
Personal Non-Redeemable Term Deposits - RRSP, RRIF, LIF, RESP TFSA, Non-Registered (Rates effective 2024-12-12) Rates
30 - 59 Days  2.70%
60 - 89 Days 2.95%
90 - 119 Days 3.10%
120 - 179 Days 3.10%
180 - 269 Days 3.15%
270 - 364 Days 3.10%
1 Year 3.25%
2 Year 3.10%
3 Year 3.10%
4 Year 3.05%
5 Year 3.00%

Non-Redeemable ​GIC – no early redemption


Personal Redeemable* Term Deposits: RRSP, RRIF, LIF, RESP, TFSA, Non-Registered – 12 Month Term – Redeemable After 30 Days (Rates effective 2024-12-12) Rates
$1,000 - $49,999 2.95%
$50,000 - $99,999 2.95%
$100,000 and Over 2.95%

*No-Redemption prior to 30 days

Commercial

Commercial Member Redeemable Term Deposits – 12 Month Term – Redeemable After 30 Days (Rates effective 2024-09-10) Rates
$1,000 - $49,999 3.25%
$50,000 - $99,999 3.30%
$100,000 and Over 3.35%​

Account Rates

​Tax-Free Savings Variable Account (Rates effective 2022-12-01) Rates
TFSA Savings Account 0.75%

 

​RRSP, RRIF, LIF, RESP Variable Accounts (Rates effective 2022-12-01) Rates
Savings Accounts 0.75%

 

​Member Advantage – Personal (Rates effective 2023-11-03) Rates
$0.00 - $9,999.99 0.45%
$10,000.00 - $99,999.99 1.45%
$100,000.00 - $199,999.99 1.60%
$200,000.00 and Over 1.70%

 

Personal SuperSaver – (Rates effective 2022-06-17) Rates
All balances

0.01%

 

U.S. Savings Account (Rates effective 2022-06-17) Rates
$0.00 - $4,999.99 0.00%
$5,000.00 - $9,999.99 0.00%
$10,000.00 - $24,999.99 0.04%
$25,000.00 - $99,999.99 0.04%
$100,000.00 and Over 0.04%
​Member Advantage – Commercial (Rates effective 2023-11-03) Rates
$0.00 - $9,999.99 0.50%
$10,000.00 - $99,999.99 1.55%
$100,000.00 - $199,999.99 1.70%
$200,000.00 - $1,000,000.00 1.80%
$ 1,000,000.00 and Over 1.85%

 

Business SuperSaver (Rates effective 2022-06-21) Rates
$0.00 - $4,999.99 0.01%
$5,000.00 - $9,999.99 0.01%
$10,000.00 - $24,999.99 0.01%
$25,000.00 - $99,999.99 0.05%
$100,000.00 and Over 0.05%​

 

Service Plus Chequing Account – non-profit organizations (Rates effective (Rates effective 2022-06-21) Rates
All balances 0.01%

US Exchange

​Foreign Exchange (rates effective 2024-12-20) SVCU sells  SVCU buys
U.S. cash 1.4721 1.3941

* Exchange rates subject to change

 
 

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