Rates

Rates and products may be withdrawn or modified without notice. Some conditions or restrictions apply. Call your branch for details and to confirm rates.

Prime Rate:

4.45%

Term Deposits

Regular Term Deposits: Minimum $500 ($100 for Junior members)

Community Savings Bond: Minimum $100

Redeem-A-Term	Rate
12 Month ¹	1.85
18 Month ²	2.00
3 Year ³	2.15

¹For early withdrawal, interest paid will be face rate minus as follows: 0-30 days – not redeemable, 31-90 days less 0.45%, 91-180 days less 0.35%, 181-270 days less 0.25%, 271-364 days less 0.15%. ² Redeemable after 30 days. For early withdrawal, interest paid will be face rate minus as follows: 0-30 days – not redeemable, 31-89 days less 1.00%, 90-179 days less 0.75%, 180-364 days less 0.50%, 365-539 days less 0.25%. ³ Redeemable anytime at face rate less: 0-30 less face rate, 31-90 less 3.50%, 91-180 less 3.00%, 181-365 less 2.50%, 366-547 less 2.00%, 548-730 less 1.75%, 731-912 less 1.50%, 913-1095 less 0%.

18 Month Step (Yield 2.651%)⁴	Rate
First 6 months	2.50
Second 6 months	2.60
Third 6 months	2.80

⁴ Redeemable after 12 month anniversary with full interest. Not redeemable prior to 12 month anniversary. Rewriteable without penalty on the 6 month anniversary date to a new term for the remaining duration of the original 18 month term.

3 Year Step (Yield 2.700%) ⁵	Rate
Year 1	2.50
Year 2	2.60
Year 3	3.00

⁵ Redeemable first 30 days with no interest – not redeemable after 30 days. Re-writeable without penalty on any anniversary date to a new term for the remaining duration of the original 3 year term.

Big Dipper ⁶	Rate
12 Month Cashable	1.65

⁶ Redeemable after 30 days with full interest. Not redeemable within the first 30 days. Allows partial withdrawals once per calendar quarter. Minimum term balance of $500 must be maintained.

Non-Redeemable Term Deposits	Rate
30-59 days	1.25
60-89 days	1.25
90-119 days	1.50
120-179 days	1.60
180-269 days	1.95
270-364 days	2.15
One Year	2.65
18 Months	2.65
Two Years	2.70
Three Years	2.70
Four Years	2.75
Five Years	2.75

Early Riser – 4 Year (Yield 2.750%) ⁷	Rate
Year 1	2.50
Year 2	2.60
Year 3	2.80
Year 4	3.10

⁷ Redeemable first 30 days with no interest – not redeemable after 30 days. Re-writeable without penalty on any anniversary date to a new term for the remaining duration of the original 4 year term.

Elevator Term Deposit – 5 Year (Yield 2.760%)	Rate
1 Year	2.50
2 Year	2.60
3 Year	2.70
4 Year	2.90
5 Year	3.10

⁸ Redeemable first 30 days with no interest – not redeemable after 30 days. Re-writeable without penalty on any anniversary date to a new term for the remaining duration of the original 4 year term.

Redeemable Terms (Minimum Deposit $1000) ⁹	Rate
One Year	2.40
18 Months	2.40
Two Years	2.45
Three Years	2.45
Four Years	2.50
Five Years	2.50

⁹ Redeemable terms withdrawn prior to maturity will be paid interest at our prevailing Plan 24 rate

* Eligible deposits are 100% guaranteed by the Credit Union Deposit Insurance Corporation of British Columbia (CUDIC).

Rates are subject to change without notice.