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 0.20%
2 Year 0.40%
3 Year
0.50%
4 Year 0.60%
5 Year
0.80%
*Minimum deposit $500 (interest paid annually on anniversary date/at maturity)

Non Redeemable* Rates
1 Year 0.50%
2 Year 0.65%
3 Year
0.70%
4 Year 0.75%
5 Year
0.90%
*Minimum deposit $500 (interest paid annually on anniversary date/at maturity)

Variable Rate* Rate
30 Day 0.15%

*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
Your 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 0.20%
2 Year 0.40%
3 Year
0.50%
4 Year 0.60%
5 Year
0.80%
*Minimum deposit $500 (interest paid annually on anniversary date/at maturity)

Non Redeemable* Rates
1 Year 0.50%
2 Year 0.65%
3 Year
0.70%
4 Year 0.75%
5 Year
0.90%
*Minimum deposit $500 (interest paid annually on anniversary date/at maturity)

Variable Rate* Rate
30 Day 0.15%

*No minimum deposit required (interest calculated daily on entire balance and paid at month end)

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 0.20%
2 Year 0.40%
3 Year
0.50%
4 Year 0.60%
5 Year
0.80%
*Minimum deposit $500 (interest paid annually on anniversary date/at maturity)

Non Redeemable* Rates
1 Year 0.50%
2 Year 0.65%
3 Year
0.70%
4 Year 0.75%
5 Year
0.90%
*Minimum deposit $500 (interest paid annually on anniversary date/at maturity)

Variable Rate* Rate
30 Day 0.15%

*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. 

***Based on Profit Share for 2020 your effective interest rate could be 10% lower than posted rates.  Ask your lender for details***

Fixed Rate Mortgages Rates

1 Year 2.34%

2 Year 2.29%

3 Year
2.24%

4 Year 2.19%

5 Year Economy Mortgage
1.99%

5 Year Everyday Value 2.09%

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. 
Personal Savings Accounts Rates
$0 - $4,999 0.05%
$5,000 and over 0.10%

High Interest Savings Rates
$0 - $4,999 0.05%
$5,000 - $24,999 0.12%
$25,000 - $499,999
0.12%
$500,000 and over 0.30%

Special Savings Rate
$0 - $4,999 0.01%
$5,000 and over
0.02%
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 0.02%
$25,000 and over
0.05%

Business High Interest Savings Rates
$0 - $499,999 0.20%
$500,000 - $999,999 0.30%
$1,000,000 - $4,999,999 0.30%
$5,000,000 and over 0.35%

USD Accounts
USD Accounts Rates
USD Chequing Account 0.05%
USD 30 Day Term 0.05%
USD 1 Year Term
0.20%

Service Fees
  • Service fees are effective August 2021
  • 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.

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