Rates
| Prime (Rates effective 2022-11-01) | Rates |
|---|---|
| Luminus Financial Prime Rate | 5.95% |
| Limited Time Special Offers | Rates |
|---|---|
| 1-Year Term Deposit | 4.25% |
| Investment Savings (Regular, RSP, RIF, and TFSA eligible) | Rates |
|---|---|
| Any Balance | 1.75% |
| Investment Savings (Business) | Rates |
|---|---|
| Any Balance | 1.35% |
| Fixed Rate Mortgages | Rates |
|---|---|
| 1 Year Open from | 6.95% |
| 1 Year Closed from | 5.24% |
| 2 Year Closed from | 5.44% |
| 3 Year Closed from | 5.69% |
| 4 Year Closed from | 5.84% |
| 5 Year Closed from | 5.99% |
| 7 Year Closed from | 6.74% |
| Variable Rate Mortgages | Rates |
|---|---|
| Variable Closed | 6.70% |
| Home Equity Line of Credit | Rates |
|---|---|
| Home Equity Line of Credit | 7.50% |
| Co-Op and Co-Ownership Mortgages | Rates |
|---|---|
| 1 Year Open from | 7.30% |
| 1 Year Closed from | 5.59% |
| 2 Year Closed from | 5.79% |
| 3 Year Closed from | 6.04% |
| 4 Year Closed from | 6.19% |
| 5 Year Closed from | 6.34% |
| 7 Year Closed from | 7.09% |
| Variable Closed from | 7.05% |
| Home Equity Line of Credit from | 7.50% |
| Loans | Rates |
|---|---|
| Personal Line of Credit from | 7.50% |
| Personal Loan Variable from | 7.50% |
| Personal Loan Fixed | 8.50% |
| RRSP and Investment Loan from | 7.50% |
| Overdraft Protection from | 21.00% |
| Unauthorized Overdraft for: Business Chequing, Golden Chequing, Investment Savings, The Personal 1, Plan 24, Savings Bonds, TFSA and $US Chequing | 40.00% |
| Term Deposits (Minimum $500 deposit, RSP, RIF and TFSA eligible) | Rates |
|---|---|
| 30 to 59 Days Redeemable | 1.35% |
| 60 to 89 Days Redeemable | 1.50% |
| 90 to 179 Days Redeemable | 1.65% |
| 180 to 269 Days Redeemable | 1.75% |
| 270 to 364 Days Redeemable | 1.75% |
| 18 Months Redeemable | 1.75% |
| 6 Months Fixed | 1.85% |
| 1 Year Fixed | 3.65% |
| 18 Months Fixed | 4.35% |
| 2 Year Fixed | 4.50% |
| 3 Year Fixed | 4.15% |
| 4 Year Fixed | 4.35% |
| 5 Year Fixed | 4.55% |
| Tax-Free Savings | Rates |
|---|---|
| Any Balance (check yearly limit) | 1.75% |
| RSP Variable | Rates |
|---|---|
| $0 - $5,000 | 0.05% |
| $5,001 - $25,000 | 0.15% |
| $25,001 and over | 0.35% |
| Regular Savings | Rates |
|---|---|
| Plan 24 | 0.05% |
| Free Chequing (Personal 1 and Golden) | Rates |
|---|---|
| $10,001 and over | 0.05% |
| US Chequing (Paid in US funds) | Rates |
|---|---|
| $1,001 - $5,000 | 0.05% |
| $5,001 and over | 0.15% |