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Rates
Rocky Credit Union offers competitive rates on all products & services
- RRSP/RRIF
- TFSA
- FHSA
- Term Deposit
- Mortgages
- Personal Accounts
- Business Accounts
- USD Accounts
- Service Fees
RRSP/RRIF
Choose an interest rate that’s fixed or variable for your Registered Retirement Savings Plan (RRSP) or Registered Retirement Income Fund (RRIF) term deposit (also known as a GIC or Guaranteed Investment Certificate). Remember, your principal investment is 100% guaranteed with RCU.
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Special Term Risers*
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| 3 Year | Rate | 5 Year |
Rate |
| Year 1 | 2.300% | Year 1 | 2.300% |
| Year 2 | 2.500% | Year 2 | 2.500% |
| Year 3 | 4.500% | Year 3 | 2.600% |
| (Effective rate: 3.095%) | Year 4 | 3.000% | |
| Year 5 | 5.000% | ||
| (Effective rate: 3.075%) |
*Minimum deposit of $500 required. Interest paid annually on anniversary date/at maturity.
| Non Redeemable* | Rate |
| 1 Year | 2.30% |
| 2 Year | 2.50% |
| 3 Year |
3.10% |
| 4 Year | 2.50% |
| 5 Year |
3.00% |
*Minimum deposit of $500 required. Interest paid annually on anniversary date/at maturity.
| Variable Rate* | Rate |
| 30 Day | 0.90% |
*No minimum deposit required. Interest calculated daily on entire balance and paid at month end.
NOTE: Rates are subject to change without notice at any time.
TFSA
A Tax Free Savings Account (TFSA) term deposit offers you the choice of an interest rate that's fixed or variable. One thing that never varies: our 100% guarantee of your principal investment.
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Special Term Risers*
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| 3 Year | Rate | 5 Year |
Rate |
| Year 1 | 2.300% | Year 1 | 2.300% |
| Year 2 | 2.500% | Year 2 | 2.500% |
| Year 3 | 4.500% | Year 3 | 2.600% |
| (Effective rate: 3.095%) | Year 4 | 3.000% | |
| Year 5 | 5.000% | ||
| (Effective rate: 3.075%) |
*Minimum deposit of $500 required. Interest paid annually on anniversary date/at maturity.
| Non Redeemable* | Rate |
| 1 Year | 2.30% |
| 2 Year | 2.50% |
| 3 Year |
3.10% |
| 4 Year | 2.50% |
| 5 Year |
3.00% |
*Minimum deposit of $500 required. Interest paid annually on anniversary date/at maturity.
| Variable Rate* | Rate |
| 30 Day | 0.90% |
*No minimum deposit required. Interest calculated daily on entire balance and paid at month end.
NOTE: Rates are subject to change without notice at any time.
FHSA
Save up for your first home purchase with a First Home Savings Account. Choose between a fixed or variable rate, and always enjoy a 100% deposit guarantee.
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Special Term Risers*
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| 3 Year | Rate | 5 Year |
Rate |
| Year 1 | 2.300% | Year 1 | 2.300% |
| Year 2 | 2.500% | Year 2 | 2.500% |
| Year 3 | 4.500% | Year 3 | 2.600% |
| (Effective rate: 3.095%) | Year 4 | 3.000% | |
| Year 5 | 5.000% | ||
| (Effective rate: 3.075%) |
*Minimum deposit of $500 required. Interest paid annually on anniversary date/at maturity.
| Non Redeemable* | Rate |
| 1 Year | 2.30% |
| 2 Year | 2.50% |
| 3 Year |
3.10% |
| 4 Year | 2.50% |
| 5 Year |
3.00% |
*Minimum deposit of $500 required. Interest paid annually on anniversary date/at maturity.
| Variable Rate* | Rate |
| 30 Day | 0.90% |
*No minimum deposit required. Interest calculated daily on entire balance and paid at month end.
NOTE: Rates are subject to change without notice at any time.
Term Deposit
Choose either a redeemable or non-redeemable option for your term deposit. Keep it in mind that your principal investment is 100% guaranteed with us.
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Special Term Risers*
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| 3 Year | Rate | 5 Year |
Rate |
| Year 1 | 2.300% | Year 1 | 2.300% |
| Year 2 | 2.500% | Year 2 | 2.500% |
| Year 3 | 4.500% | Year 3 | 2.600% |
| (Effective rate: 3.095%) | Year 4 | 3.000% | |
| Year 5 | 5.000% | ||
| (Effective rate: 3.075%) |
*Minimum deposit of $500 required. Interest paid annually on anniversary date/at maturity.
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Redeemable*
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Rates |
| 1 Year | 1.50% |
| 2 Year | 1.60% |
| 3 Year |
1.70% |
| 4 Year | 1.80% |
| 5 Year |
1.90% |
*Minimum deposit $500 (interest paid annually on anniversary date/at maturity)
| Non Redeemable* | Rates |
| 1 Year | 2.30% |
| 2 Year | 2.50% |
| 3 Year |
3.10% *Effective on January 15th, 2026 |
| 4 Year | 2.50% |
| 5 Year |
3.00% *Effective on January 15th, 2026 |
*Minimum deposit $500 (interest paid annually on anniversary date/at maturity)
Mortgages
Our rates are market-competitive and loans can be customized to meet your financial needs. Contact us to set up an appointment to determine which loan or mortgage is most suitable for you.
| Fixed Rate Mortgages | Potential Profit Share Rate |
Posted Rate |
| 1 Year | 4.83% |
5.49% |
| 2 Year | 4.21% |
4.79% |
| 3 Year |
3.95% |
4.49% |
| 4 Year | 3.86% |
4.39% |
| 5 Year Everyday Value |
3.77% |
4.29% |
| Variable Rate Mortgages | Rates |
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| Safe at Home 5 Year | Prime Plus 0.25% |
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| Variable Open | Prime Plus 1.04% |
| Home Equity Line of Credit | Rate |
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| As Low as Prime |
Personal Accounts
Because everyone's different and we all bank differently, RCU offers a variety of account options that pay different interest rates.
| Select Savings Accounts | Rates |
| $0 - $4,999 | 0.05% |
| $5,000 and over | 0.10% |
| Premium Savings | Rates |
| $0 - $4,999 | 0.20% |
| $5,000 - $24,999 | 0.55% |
| $25,000 - $499,999 |
0.65% |
| $500,000 and over | 0.80% |
| Special Savings | Rate |
| $0 - $4,999 | 0.01% |
| $5,000 and over |
0.01% |
Business Accounts
We offer account packages that provide chequing options or high interest savings to help your money work harder.
| Business Chequing Accounts | Rates |
| $0 - $4,999 | 0.00% |
| $5,000 - $24,999 | 0.01% |
| $25,000 and over |
0.01% |
| Business High Interest Savings | Rates |
| $0 - $499,999 | 1.05% |
| $500,000 - $999,999 | 1.35% |
| $1,000,000 - $4,999,999 | 1.65% |
| $5,000,000 and over | 1.95% |
USD Accounts
| USD Accounts | Rates |
| USD Chequing Account | 0.05% |
| USD 30 Day Term | 0.05% |
| USD 1 Year Term |
0.20% |
| RCU USD Prime Rate | 6.75% |
Service Fees
- Service fees reflect per-item charges
- Service fees vary depending on account type
- Service fees are subject to change without notice at any time. For more information, visit your nearest branch or contact us.