Mortgage Rates

Effective May 9, 2019

Fixed Closed

Year Posted Rate Best Available Rate* After Profit-Sharing**
 1 year 3.54% 3.34% 3.27%
 2 year 3.74% 3.54% 3.47%
 3 year 3.94% 3.74% 3.67%
 4 year 4.49% 3.84% 3.76%
 5 year 5.49% 3.49% 3.42%

Fixed Open

Years Posted Rate Best Available Rate* After Profit-Sharing**
 1 year 4.90% 4.90%   4.80% 

Variable

Years Posted Rate Best Available Rate* After Profit-Sharing**
5 year closed Prime**  N/A  3.87% 
Home+ Line of Credit Prime** + 1.00% Prime** + 0.50% 4.36%

Ultra Flex

Years Posted Rate Best Available Rate* After Profit-Sharing**
1 year fixed 4.09% 3.59% 3.52% 

The Orange

Years Posted Rate Best Available Rate* After Profit-Sharing**
Base Rate 4.55%  N/A  4.46% 

Rates subject to change without notice.

*Special discounts apply. Contact your branch for details.

**"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 Canadian Dollar loans to its members and designated by the Credit Union as its Credit Union Prime Rate, and 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.  Credit Union Prime is currently 3.95%.

***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. The rate after profit-sharing is based on a rebate of 2.00% on interest paid on the best available rate.  Profit-sharing is equally distributed between your account and your common share account.  Please contact your local branch for further information.

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