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)	4.990
7 Year Fixed (as low as)	5.490
10 Year Fixed (as low as)	5.940

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	7.090
1 Year open	7.090
1 Year closed	5.290
2 Year closed	5.540
3 Year closed	5.640
4 Year closed	5.680
5 Year closed	6.380
6 Year closed	6.430
7 Year closed	6.780
10 Year closed	6.990

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	3.030
18 Months	3.680
2 Years	3.830
3 Years	3.930
4 Years	4.180
5 Years	4.430
Kootenay Saver	2.530

List of rates for RATECLIMBER (3 YEAR) 4.280 EFFECTIVE YIELD
RATECLIMBER (3 YEAR) 4.280 EFFECTIVE YIELD	Rate
Year 1	3.780
Year 2	4.030
Year 3	5.030

List of rates for RATECLIMBER (5 YEAR) 4.310 EFFECTIVE YIELD
RATECLIMBER (5 YEAR) 4.310 EFFECTIVE YIELD	Rate
Year 1	3.030
Year 2	3.530
Year 3	4.530
Year 4	4.880
Year 5	5.580

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	0.250
Balance of $5,000 - $9,999	0.400
Balance of $10,000 - $24,999	0.500
Balance of $25,000 - $99,999	0.800
Balance of $100,000 - $250,000+	0.900

List of rates for TFSA
TFSA	Rate
Balance of up to $4,999	0.250
Balance of $5,000 - $9,999	0.400
Balance of $10,000 - $24,999	0.500
Balance of $25,000 - $99,999	0.800
Balance of $100,000 - $250,000+	0.900

List of rates for BUSINESS/ORGANIZATION
BUSINESS/ORGANIZATION	Rate
Balance of up to $4,999	0.250
Balance of $5,000 - $9,999	0.400
Balance of $10,000 - $24,999	0.500
Balance of $25,000 - $99,999	0.800
Balance of $100,000 - $250,000+	0.900

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	2.530

List of rates for REDEEMABLE TERM DEPOSITS
REDEEMABLE TERM DEPOSITS	Rate
1 Year	1.380
18 Months	1.480
2 Years	1.580
3 Years	1.680
4 Years	1.780
5 Years	2.030

List of rates for NON-REDEEMABLE TERMS (GIC)
NON-REDEEMABLE TERMS (GIC)	Rate
6 Months	1.030
1 Year	3.030
18 Months	3.680
2 Years	3.830
3 Years	3.930
4 Years	4.180
5 Years	4.430

List of rates for RATECLIMBER (3 YEAR) 4.280 EFFECTIVE YIELD
RATECLIMBER (3 YEAR) 4.280 EFFECTIVE YIELD	Rate
Year 1	3.780
Year 2	4.030
Year 3	5.030

List of rates for RATECLIMBER (5 YEAR) 4.310 EFFECTIVE YIELD
RATECLIMBER (5 YEAR) 4.310 EFFECTIVE YIELD	Rate
Year 1	3.030
Year 2	3.530
Year 3	4.530
Year 4	4.880
Year 5	5.580

List of rates for USD NON-REDEEMABLE TERMS
USD NON-REDEEMABLE TERMS	Rate
1 Year	1.030
18 Months	1.130
2 Years	1.780
3 Years	1.430
4 Years	1.480
5 Years	1.580
US Kootenay Saver	1.280

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)	1.4048	1.3248

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.

Service Fees

Prime Rates

Prime Lending Rate

Prime Rate

Prime Rate vs. Prime Lending Rate

Calculators

​Learning Centre

​Ways to Bank

​Join Kootenay Savings Credit Union

Connect with us

Member Service Centre

Contact Us

Find us

Learning Centre

Ways to Bank

Join Kootenay Savings Credit Union