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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 August 26, 2025)		BuyingSelling
United States Dollar – In-branch rate takes priority1.41671.3522

 

Specials

*Effective March 14, 2025

Mortgage rate Special
(new mortgages)

rates
1 year N/A
2 yearsN/A
3 YEARSN/A
4 YEARS4.30%
5 YEARS4.10%

​**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

LEARN MORE
 

Term Deposit Special - EFFECTIVE DECEMBER 14, 2024

rates
12 Month Non-Redeemable3.00%
24 Month Non-RedeemableN/A

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

LEARN MORE
 

Mortgages

Fixed Rate Mortgages 

rates
Open 1 year fixed 6.50%
Closed 1 YEAR FIXED 5.25%
CLOSED 2 YEAR FIXED 5.35%
CLOSED 3 YEAR FIXED 5.45%
CLOSED 4 YEAR FIXED 5.50%
CLOSED 5 YEAR FIXED 5.50%

PRIME RATE:  4.95%
Rates subject to change without notice
Contact our branch for Commercial mortgage rates

 

Term Deposits

Redeemable Term Deposits 

rates
30-59 days *.50%
60-89 days**.50%
90-179 days**.75%
180-364 days**.75%
12-23 months**1.00%
24-35 months*** 1.25%
36-47 MONTHS*** 1.30%
48-59 MONTHS*** 1.35%
60 months*** 1.40%
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 2.50%
24-35 MONTHS2.55%
36-47 MONTHS2.60%
48-59 MONTHS2.65%
60 MONTHS2.75%
 

RRSPs, RRIFs, TFSAs & FHSAs

Variable

rates
Variable Savings0.50%

No minimum deposit on Variable Savings RRSPs, RRIFs and TFSAs

 

redeemable Term Deposit

rates
12-23 MONTHS 1.00%
24-35 MONTHS1.25%
36-47 MONTHS1.30%
48-59 MONTHS1.35%
60 MONTHS1.40%
Minimum deposit on Redeemable RRSPs/RRIFs/TFSAs:

$500

 

Non-redeemable Term Deposit

rates
12-23 MONTHS 2.50%
24-35 MONTHS2.55%
36-47 MONTHS2.60%
48-59 MONTHS2.65%
60 MONTHS2.75%
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. 

 
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250.428.5351 

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support@cdcu.com

 
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