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Rates
Rocky Credit Union offers competitive rates on all products & services
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.
|
Redeemable*
|
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 |
2.70% |
| 4 Year | 2.50% |
| 5 Year |
2.50% |
*Minimum deposit $500 (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.
| Redeemable* | 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 |
2.70% |
| 4 Year | 2.50% |
| 5 Year |
2.50% |
*Minimum deposit $500 (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 fixed or variable rate for your term deposit. Keep it in mind that your principal investment is 100% guaranteed with us.
|
Redeemable*
|
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 |
2.70% |
| 4 Year | 2.50% |
| 5 Year |
2.50% |
*Minimum deposit $500 (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)
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 |
|
| Safe at Home 5 Year | Prime Plus 0.25% |
|
| Variable Open | Prime Plus 1.04% |
| Home Equity Line of Credit | Rate |
|
| 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 | 0.65% |
| $25,000 - $499,999 |
0.70% |
| $500,000 and over | 0.90% |
| 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 | 1.25% |
| $500,000 - $999,999 | 1.55% |
| $1,000,000 - $4,999,999 | 1.85% |
| $5,000,000 and over | 2.15% |
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 | 7.00% |
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.