Rates & Fees

Competitive rates and low fees so you can do more with your money.

ACCOUNT RATE

MORTGAGES

INVESTMENTS

HIGH INTEREST SAVINGS - SUMMIT SAVINGS

TERM DEPOSITS

FOREIGN EXCHANGE

SERVICE FEES

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 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)	4.090
7 Year Fixed (as low as)	4.440
10 Year Fixed (as low as)	4.790

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	6.390
1 Year open	6.390
1 Year closed	3.230
2 Year closed	3.680
3 Year closed	4.030
4 Year closed	4.440
5 Year closed	4.930
6 Year closed	5.180
7 Year closed	5.340
10 Year closed	6.030

All rates 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	2.080
18 Months	2.180
2 Years	2.430
3 Years	2.580
4 Years	2.830
5 Years	3.080
Kootenay Saver	1.880

List of rates for RATECLIMBER (3 YEAR) 2.830 EFFECTIVE YIELD
RATECLIMBER (3 YEAR) 2.830 EFFECTIVE YIELD	Rate
Year 1	2.080
Year 2	2.580
Year 3	3.830

List of rates for RATECLIMBER (5 YEAR) 3.080 EFFECTIVE YIELD
RATECLIMBER (5 YEAR) 3.080 EFFECTIVE YIELD	Rate
Year 1	2.080
Year 2	2.630
Year 3	2.880
Year 4	3.430
Year 5	4.380

All rates 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	0.050
Balance of $5,000 - $9,999	0.250
Balance of $10,000 - $24,999	0.300
Balance of $25,000+	0.350

List of rates for TFSA
TFSA	Rate
Balance of up to $4,999	0.200
Balance of $5,000 - $9,999	0.250
Balance of $10,000 - $24,999	0.300
Balance of $25,000+	0.350

List of rates for BUSINESS/ORGANIZATION
BUSINESS/ORGANIZATION	Rate
Balance of up to $4,999	0.200
Balance of $5,000 - $9,999	0.250
Balance of $10,000+	0.350

All rates 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	1.880

List of rates for REDEEMABLE TERM DEPOSITS
REDEEMABLE TERM DEPOSITS	Rate
1 Year	0.880
18 Months	0.980
2 Years	1.080
3 Years	1.280
4 Years	1.380
5 Years	1.630

List of rates for NON-REDEEMABLE TERMS (GIC)
NON-REDEEMABLE TERMS (GIC)	Rate
6 Months	1.030
1 Year	2.080
18 Months	2.180
2 Years	2.430
3 Years	2.580
4 Years	2.830
5 Years	3.080

List of rates for RATECLIMBER (3 YEAR) 2.830 EFFECTIVE YIELD
RATECLIMBER (3 YEAR) 2.830 EFFECTIVE YIELD	Rate
Year 1	2.080
Year 2	2.580
Year 3	3.830

List of rates for RATECLIMBER (5 YEAR) 3.080 EFFECTIVE YIELD
RATECLIMBER (5 YEAR) 3.080 EFFECTIVE YIELD	Rate
Year 1	2.080
Year 2	2.630
Year 3	2.880
Year 4	3.430
Year 5	4.380

List of rates for USD NON-REDEEMABLE TERMS
USD NON-REDEEMABLE TERMS	Rate
1 Year	0.430
18 Months	0.480
2 Years	0.630
3 Years	0.880
4 Years	0.980
5 Years	1.080
US Kootenay Saver	0.830

All rates 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)	1.3154	1.2354

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

Service Fees

Personal Account and Service Fees

Business Account and Service Fees

Prime Rates

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. 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.

Kootenay Savings

Personal

Business

About Us

Rates & Fees

Competitive rates and low fees so you can do more with your money.

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

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

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

All rates 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.

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

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