Skip to main content
  • Rates
 

Rates

Whether you're looking for a mortgage, loan or investment product, we have competitive rates for you. 

* Please note, all posted rates are subject to change without prior notice and In-Branch rates take priority.

 
 
 

Foreign Exchange

Exchange Rate (effective 2024-02-21)

BuyingSelling
United States Dollar – In-branch rate takes priority1.38361.3205
 

Specials

*Effective November 21, 2023

Mortgage rate Special
(new mortgages)

rates
1 year 5.75%
2 years5.80%
3 YEARS5.60%
4 YEARS5.75%
5 YEARS5.75%

​**RATES SUBJECT TO CHANGE OR WITHDRAWAL WITHOUT PRIOR NOTICE**
*Mortgage appraisal fees apply
*Mortgage legal fees may apply
*Existing mortgage refinance  - $50,000 to qualify for special

 

Term Deposit Special - Effective JULy 13, 2023 

rates
12 Month Non-Redeemable4.75%
24 Month Non-Redeemable4.50%

**SUBJECT TO CHANGE OR WITHDRAWAL WITHOUT PRIOR NOTICE**
*All rates quoted are per annum 
*Interest payable annually and maturity 
*Minimum $1,000

 

Mortgages

Fixed Rate Mortgages 

rates
Open 1 year fixed 8.50%
Closed 1 YEAR FIXED 6.30%
CLOSED 2 YEAR FIXED 6.50%
CLOSED 3 YEAR FIXED 6.40%
CLOSED 4 YEAR FIXED 6.35%
CLOSED 5 YEAR FIXED 6.25%

PRIME RATE:  7.20%
Rates subject to change without notice
Contact our branch for Commercial mortgage rates

 

Term Deposits

Redeemable Term Deposits 

rates
30-59 days *1.75%
60-89 days**1.85%
90-179 days**2.00%
180-364 days**2.15%
12-23 months**2.75%
24-35 months*** 2.85%
36-47 MONTHS*** 3.00%
48-59 MONTHS*** 3.25%
60 months*** 3.50%
Minimum deposit on Redeemable Term Deposits:

Youth Accounts - $100 / All Other Accounts - $1000 

Rate On Early Redemption:

* 0%
** .25% reduction in rate on early redemption, from deposit origin
*** .50% reduction in rate on early redemption, from deposit origin

 

Non-redeemable Term Deposit

rates
12-23 MONTHS 4.25%
24-35 MONTHS4.35%
36-47 MONTHS4.20%
48-59 MONTHS4.15%
60 MONTHS4.00%
 

RRSPs, RRIFs & TFSAs

Variable

rates
Variable Savings1.00%

No minimum deposit on Variable Savings RRSPs, RRIFs and TFSAs

 

redeemable Term Deposit

rates
12-23 MONTHS 2.75%
24-35 MONTHS2.85%
36-47 MONTHS3.00%
48-59 MONTHS3.25%
60 MONTHS3.50%
Minimum deposit on Redeemable RRSPs/RRIFs/TFSAs:

$500

 

Non-redeemable Term Deposit

rates
12-23 MONTHS 4.25%
24-35 MONTHS4.35%
36-47 MONTHS4.20%
48-59 MONTHS4.15%
60 MONTHS4.00%
Minimum deposit on Non-Redeemable RRSPs/RRIFs/TFSAs: 

$500

 

​Have a question?

Connect with a member of our team by phone, in-person or online. The choice is yours. 

 
CDCU_Icons_Phone1.png

250.428.5351 

CDCU_Icons_Pin1.png

See Branches

CDCU_Icons_Purple_Email.png

support@cdcu.com