Rocky Credit Union - Mortgage Rates & Options

Profit Share & Dividends

Profit Share & Dividends

Profit Share & Dividends

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

In 2025, RCU gave 12% of interest earned and interest paid back to our Members. That's over $2.6 million cash back to members!

YEAR	DIVIDEND	PROFIT SHARE	AVG PRIME
2025	3.75%	12%	4.90%
2024	4.95%	12%	6.93%
2023	4.80%	12%	6.58%
2022	2.65%	10%	3.58%
2021	1.90%	10%	2.45%
2020	2.15%	10%	2.95%

What does that mean?

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

A Mortgage of $400,000 @ 4.19% = Approximately $2,011 Cash Back

An Investment of $100,000 @ 2.50% = Approximately $300 Cash Back

2 Year

Fixed

4.79

3 Year

Fixed

4.49

5 Year

Fixed

4.29

RCU

Prime Rate

4.45

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.

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.

Conventional Financing

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