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Mortgage Rates & Options

The RCU Difference
At Rocky Credit Union, we give back to our members through Profit Share and Dividends.
Profit Share

The more products you hold with RCU, the more you earn!

In 2023 will give 12% of interest earned and interest paid back to our Members. That's over $2M cash back to members in 2023!

YEAR  DIVIDEND PROFIT SHARE AVG PRIME
2023 4.80% 12% 6.58%
2022 2.65% 10% 3.58%
2021 1.90% 10% 2.45%
2020 2.15% 10% 2.95%
2019 2.75% 10% 3.95%

What does that mean?

Here are some examples of what you could earn in Profit Share this year!

A Mortgage of $300,000 @ 5.39% = Approximately $1,940 Cash Back

An Investment of $100,000 @ 4.10% = Approximately $490 Cash Back
Dividends

You earn dividends back on Common Shares you hold with Rocky Credit Union.

In 2023, RCU paid a 4.80% dividend on your common shares. That's over $2.M cash back in our members' wallets!

YEAR  DIVIDEND PROFIT SHARE AVG PRIME
2023 4.80% 12% 6.58%
2022 2.65% 10% 3.58%
2021 1.95% 10% 2.45%
2020
 2.15% 10% 2.95%
2019 2.75% 10% 3.95%
Most Popular Fixed and Variable Rates
2 Year

Fixed

6.95
*
%
3 Year

Fixed

6.75
*
%
5 Year

Fixed

5.39
*
%
RCU

Prime Rate

7.20
*
%
View all mortgage rates here.
Let's find the right mortgage for you...

Open Mortgage

Is flexibility important to you? Make extra payments at any time at any amount, or roll into a closed mortgage whenever you wish. Take advantage of this open mortgage option today!

Everyday Value Mortgage

This option is for those who want to become mortgage-free faster! Get a competitive rate, up to 20% prepayment of the original principal balance, plus 20% increase in your payment without penalty.

Safe at Home Mortgage

Do you want a low payment with a capped rate? The Safe at Home mortgage allows you to set your payment low, combined with the safety of a capped rate. 
Choose a financing option that best fits your goals...

High Ratio Financing

A down payment of 5% is all you need to get into your new home when financing through Canadian Mortgage & Housing Corporation or Sagen. You have the option to take the mortgage for a 25 year amortization period.
Contact Us

Conventional Financing

Save on interest costs, high ratio premiums, and pay off your mortgage faster by putting at least 20% down!
Contact Us
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