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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
1 Year Fixed (as low as)
6.440
2 Year Fixed (as low as)
5.890
3 Year Fixed (as low as)
4.590
4 Year Fixed (as low as)
4.690
5 Year Fixed (as low as)
4.390

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

 
List of rates for PERSONAL MORTGAGES RATES - POSTED RATES
PERSONAL MORTGAGES RATES - POSTED RATES Rate
6 Months open
9.630
1 Year open
9.140
1 Year closed
7.340
2 Year closed
6.820
3 Year closed
6.550
4 Year closed
6.370
5 Year closed
6.440
6 Year closed
6.640
7 Year closed
6.850
10 Year closed
7.270

*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
4.230
18 Months
4.230
2 Years
4.030
3 Years
3.880
4 Years
3.730
5 Years
3.730
Kootenay Saver
3.080
 
List of rates for RATECLIMBER (3 YEAR) 3.790 EFFECTIVE YIELD
RATECLIMBER (3 YEAR) 3.790 EFFECTIVE YIELD Rate
Year 1
3.180
Year 2
3.630
Year 3
4.560
 
List of rates for RATECLIMBER (5 YEAR) 3.550 EFFECTIVE YIELD
RATECLIMBER (5 YEAR) 3.550 EFFECTIVE YIELD Rate
Year 1
3.430
Year 2
3.480
Year 3
3.530
Year 4
3.580
Year 5
3.730

*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
3.080
 
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
3.530
1 Year
4.230
18 Months
4.230
2 Years
4.030
3 Years
3.880
4 Years
3.730
5 Years
3.730
 
List of rates for RATECLIMBER (3 YEAR) 3.790 EFFECTIVE YIELD
RATECLIMBER (3 YEAR) 3.790 EFFECTIVE YIELD Rate
Year 1
3.180
Year 2
3.630
Year 3
4.560
 
List of rates for RATECLIMBER (5 YEAR) 3.550 EFFECTIVE YIELD
RATECLIMBER (5 YEAR) 3.550 EFFECTIVE YIELD Rate
Year 1
3.430
Year 2
3.480
Year 3
3.530
Year 4
3.580
Year 5
3.730
 
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)
1.3964
1.3164
All rates are subject to change without notice, and are not guaranteed unless confirmed in writing.
 


Prime Rates


Prime Lending Rate 

7.500%

Prime  Rate 

6.450%
 

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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For over five decades it has been an honour to be part of our communities and we’re committed to being here for decades to come.  Opening an account? Buying your first home? Saving for retirement? Choose your financial destination, and let’s make sure you take the best route.

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