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Rates
See today's rates that help your money grow while supporting the values you believe in.
- Personal Mortgages
- Personal Loans
- Personal Accounts
- Term Deposits
- Registered Accounts
- Business Accounts
- Non-Profit Accounts
- Business/Non-Profit Mortgages
- Business/Non-Profit Loans
Personal Mortgage Rates
Christian Credit Union Prime Rate: 4.45%
Fixed Closed
| Years | Best Rate |
| 1 Year | 4.74% |
| 2 Year | 4.74% |
| 3 Year | 4.29% |
| 4 Year | 4.44% |
| 5 Year | 4.39% |
High Ratio Fixed Closed
| Years | Best Rate |
| 5 Year | 4.24%** |
Variable
| Years | Best Rate |
| 5 Year Closed | Prime* |
| Home + Line of Credit | Prime* + 0.5% |
UltraFlex
| Years | Best Rate |
| 1 Year Fixed | 4.99% |
Mortgage qualifying rate: 6.39%
Mortgages are eligible for profit sharing as declared by the Credit Union’s Board of Directors. Profit sharing is not guaranteed and is in the sole discretion of the Board of Directors. For more information about profit sharing, click here.
*"Prime" is defined as "Credit Union Prime Rate,” which shall mean the floating annual rate of interest established from time to time by the Credit Union as the base rate it will use to determine rates of interest on loans to its members and designated by the Credit Union as its Credit Union Prime Rate. A change in the Credit Union Prime Rate shall on the day of any such change also vary the interest rate on this credit facility in the same manner. Our current Credit Union Prime rate can be found above.
**Rate applies to high ratio mortgage where loan-to-value is greater than 80%.
Personal Loan Rates
Christian Credit Union Prime Rate: 4.45%
Fixed Personal Loans
| Product | Best Rate |
| Personal Term Loan | 8.00% |
| Personal Charity Loan | 5.00% |
Fixed Vehicle Loans
| Product | Best Rate |
| New Vehicle (1-3 Years Old) | 7.00% |
| Used Vehicle | 7.25% |
Variable Loans
| Product | Best Rate |
| Authorized Overdraft (Base Rate) | 14.25% |
| Personal Line of Credit | Contact us for details. |
| Student Line of Credit | Credit Union Prime* Rate |
| RRSP Line of Credit | Contact us for details. |
| Cash Secured | Credit Union Prime* Rate |
*"Prime" is defined as "Credit Union Prime Rate,” which shall mean the floating annual rate of interest established from time to time by the Credit Union as the base rate it will use to determine rates of interest on loans to its members and designated by the Credit Union as its Credit Union Prime Rate. A change in the Credit Union Prime Rate shall on the day of any such change also vary the interest rate on this credit facility in the same manner. Our current Credit Union Prime rate can be found above.
Personal Accounts
Freedom Chequing Account
| Tier | Best Rate |
| $0 - $3,000 | 0.025% |
| $3,000 - $10,000 | 0.025% |
| $10,000+ | 0.050% |
Savings Accounts
| Product | Best Rate |
| High Interest Savings | 0.55% |
| Savings | 0.075% |
Youth Accounts
| Product | Best Rate |
| FAT CAT® | 0.075% |
| HEADSTART® | 0.075% |
US Personal Account
| Tier | Best Rate |
| $0 - $3,000 | 0.025% |
| $3,001 - $10,000 | 0.025% |
| $10,001+ | 0.050% |
Term Deposit Rates
Non Redeemable Term Deposits (Registered and Non-Registered)
| Years | Posted Annual Rate* | Total Deposits $250,000+ | Total Deposits $500,000+ | Total Deposits $1,000,000+ |
| 6 Month** | 2.25% | 2.30% | 2.35% | 2.40% |
| 1 Year | 2.65% | 2.70% | 2.75% | 2.80% |
| 18 Month | 2.75% | 2.80% | 2.85% | 2.90% |
| 2 Year | 2.85% | 2.90% | 2.95% | 3.00% |
| 3 Year | 2.85% | 2.90% | 2.95% | 3.00% |
| 4 Year | 2.85% | 2.90% | 2.95% | 3.00% |
| 5 Year | 3.15% | 3.20% | 3.25% | 3.30% |
*Posted Annual Rate means the stated interest rate is expressed on a one-year basis. For investments with terms shorter than one year, the interest is calculated proportionally based on the length of the term.
** 6 month terms only apply to non-registered products. Registered products are not offered for a 6 month term.
Investments are eligible for profit sharing as declared by the Credit Union’s Board of Directors. Profit sharing is not guaranteed and is in the sole discretion of the Board of Directors. For more information about profit sharing, click here.
Registered Account Rates
Registered Accounts
| Product | Best Rate |
| Tax Free Savings Account (TFSA) High Interest | 0.55% |
| First Home Savings Account (FHSA) | 0.55% |
| Registered Retirement Savings Plan (RRSP) Variable | 0.10% |
| Registered Retirement Income Fund (RRIF) Variable |
0.10%
|
All registered accounts are eligible for term deposit investments and their respective rates. For term deposit rates, click on the 'Term Deposits' tab.
Business Account Rates
Business Chequing
| Tier | Best Rate |
| $0 - $25,000 | 0.025% |
| $25,001 - $50,000 | 0.025% |
| $50,001 - $100,000 | 0.050% |
| $100,001+ | 0.050% |
Business High Interest Savings
| Tier | Best Rate |
| $0 - $100,000 | 1.15% |
| $100,001 - $250,000 | 1.20% |
| $250,001 - $1,000,001 | 1.30% |
| $1,000,001+ | 1.40% |
Other Business Accounts
| Product | Best Rate |
| AgriInvest | 0.55% |
Non-Profit Account Rates
Benefit Org Account
| Tier | Best Rate |
| $0 - $25,000 | 0.025% |
| $25,001 - $50,000 | 0.025% |
| $50,001 - $100,000 | 0.050% |
| $100,001+ | 0.050% |
Business and Non-Profit Mortgage Rates
Please contact our team to learn more about business and non-profit mortgage rates.
Business and Non-Profit Loan Rates
Please contact our team to learn more about business and non-profit loan rates.
Interested in aligning your finances with your faith?
Connect with our team today to learn more about the value of becoming a member!