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Rates & Fees

Competitive rates and low fees so you can do more with your money.
 
 
List of rates for MASTERPLAN - MAXIMIZER - CHEQUING
MASTERPLAN - MAXIMIZER - CHEQUING Rate
Balance of up to $999
0.01
Balance of up to $4,999
0.02
Balance of up to $9,999+
0.05

*All rates are posted without patronage shares, are subject to change without notice, and are not guaranteed unless confirmed in writing.

List of rates for FULLY DISCOUNTED RATES AS LOW AS
FULLY DISCOUNTED RATES AS LOW AS Rate
5 Year Fixed (as low as)
5.440
7 Year Fixed (as low as)
5.940
10 Year Fixed (as low as)
6.040

Based on high-ratio insured mortgages with amortizations of 25 years or under.

 
List of rates for PERSONAL MORTGAGES
PERSONAL MORTGAGES Rate
6 Months open
9.630
1 Year open
9.140
1 Year closed
6.300
2 Year closed
6.170
3 Year closed
5.890
4 Year closed
5.600
5 Year closed
5.390
6 Year closed
5.540
7 Year closed
5.940
10 Year closed
6.040

*All rates are posted without patronage shares, are subject to change without notice, and are not guaranteed unless confirmed in writing.

List of rates for RRSP RRIF RESP AND TFSA TERMS
RRSP RRIF RESP AND TFSA TERMS Rate
1 Year
3.780
18 Months
3.830
2 Years
3.930
3 Years
3.880
4 Years
3.830
5 Years
3.730
Kootenay Saver
3.530
 
List of rates for RATECLIMBER (3 YEAR) 4.360 EFFECTIVE YIELD
RATECLIMBER (3 YEAR) 4.360 EFFECTIVE YIELD Rate
Year 1
3.530
Year 2
4.280
Year 3
5.280
 
List of rates for RATECLIMBER (5 YEAR) 4.530 EFFECTIVE YIELD
RATECLIMBER (5 YEAR) 4.530 EFFECTIVE YIELD Rate
Year 1
3.530
Year 2
4.280
Year 3
4.780
Year 4
4.780
Year 5
5.280

*All rates are posted without patronage shares, are subject to change without notice, and are not guaranteed unless confirmed in writing.

List of rates for PERSONAL/RRSP/RRIF
PERSONAL/RRSP/RRIF Rate
Balance of up to $4,999
0.350
Balance of $5,000 - $9,999
0.500
Balance of $10,000 - $24,999
0.600
Balance of $25,000 - $99,999
0.900
Balance of $100,000 - $250,000+
1.000
 
List of rates for TFSA
TFSA Rate
Balance of up to $4,999
0.350
Balance of $5,000 - $9,999
0.500
Balance of $10,000 - $24,999
0.600
Balance of $25,000 - $99,999
0.900
Balance of $100,000 - $250,000+
1.000
 
List of rates for BUSINESS/ORGANIZATION
BUSINESS/ORGANIZATION Rate
Balance of up to $4,999
0.350
Balance of $5,000 - $9,999
0.500
Balance of $10,000 - $24,999
0.600
Balance of $25,000 - $99,999
0.900
Balance of $100,000 - $250,000+
1.000

*All rates are posted without patronage shares, are subject to change without notice, and are not guaranteed unless confirmed in writing.
SUMMIT SAVINGS ACCOUNT® is a registered trademark owned by Canadian Western Bank, used under license.

List of rates for KOOTENAY SAVER
KOOTENAY SAVER Rate
Kootenay Saver
3.530
 
List of rates for REDEEMABLE TERM DEPOSITS
REDEEMABLE TERM DEPOSITS Rate
1 Year
2.380
18 Months
2.380
2 Years
2.280
3 Years
2.180
4 Years
2.080
5 Years
2.030
 
List of rates for NON-REDEEMABLE TERMS (GIC)
NON-REDEEMABLE TERMS (GIC) Rate
6 Months
2.280
1 Year
3.780
18 Months
3.830
2 Years
3.930
3 Years
3.880
4 Years
3.830
5 Years
3.730
 
List of rates for RATECLIMBER (3 YEAR) 4.360 EFFECTIVE YIELD
RATECLIMBER (3 YEAR) 4.360 EFFECTIVE YIELD Rate
Year 1
3.530
Year 2
4.280
Year 3
5.280
 
List of rates for RATECLIMBER (5 YEAR) 4.530 EFFECTIVE YIELD
RATECLIMBER (5 YEAR) 4.530 EFFECTIVE YIELD Rate
Year 1
3.530
Year 2
4.280
Year 3
4.780
Year 4
4.780
Year 5
5.280
 
List of rates for USD NON-REDEEMABLE TERMS
USD NON-REDEEMABLE TERMS Rate
1 Year
2.780
18 Months
2.730
2 Years
2.580
3 Years
2.430
4 Years
2.430
5 Years
2.530
USD Kootenay Saver
1.530

*All rates are posted without patronage shares, are subject to change without notice, and are not guaranteed unless confirmed in writing.

List of rates for Foreign Exchange Rates
Foreign Exchange Rates Buy Rate Sell Rate
United States (US Dollar)
1.3897
1.3097
All rates are subject to change without notice, and are not guaranteed unless confirmed in writing.
 


Prime Rates

Prime Lending Rate

8.250

Prime Rate

7.200
 

Prime Rate vs. Prime Lending Rate

The differences between the prime rate and prime lending rate can be confusing. The KSCU Prime Rate is used for deposits and investments. The KSCU Prime Lending Rate is used for loans and lines of credit for both personal and business banking. In all cases we are very competitive and have the flexibility to provide great customized rate options through our Relationship Pricing program.

 

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Hi, we’re Kootenay Savings Credit Union. We’ve been part of the Kootenays since 1969. Our branches are here, our headquarters are here, our leadership is here. Why? To be the best financial partner for our members. Together, we can make this incredible part of BC that we all call home, even better.

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