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
1 Year Fixed	5.050
2 Year Fixed	4.650
3 Year Fixed	4.100
4 Year Fixed	4.100
5 Year Fixed	4.050

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	9.690
1 Year open	9.200
1 Year closed	6.650
2 Year closed	6.600
3 Year closed	6.500
4 Year closed	6.430
5 Year closed	6.500
6 Year closed	6.700
7 Year closed	6.910
10 Year closed	7.330

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	2.900
18 Months	3.000
2 Years	3.050
3 Years	3.050
4 Years	3.100
5 Years	3.150
Kootenay Saver	2.450

List of rates for RATECLIMBER (3 YEAR) 3.010 EFFECTIVE YIELD
RATECLIMBER (3 YEAR) 3.010 EFFECTIVE YIELD	Rate
Year 1	2.450
Year 2	2.900
Year 3	3.670

List of rates for RATECLIMBER (5 YEAR) 3.050 EFFECTIVE YIELD
RATECLIMBER (5 YEAR) 3.050 EFFECTIVE YIELD	Rate
Year 1	2.940
Year 2	2.970
Year 3	3.020
Year 4	3.070
Year 5	3.250

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	0.350
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 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	2.450

List of rates for REDEEMABLE TERM DEPOSITS
REDEEMABLE TERM DEPOSITS	Rate
1 Year	2.350
18 Months	2.350
2 Years	2.250
3 Years	2.150
4 Years	2.050
5 Years	2.000

List of rates for NON-REDEEMABLE TERMS (GIC)
NON-REDEEMABLE TERMS (GIC)	Rate
6 Months	2.900
1 Year	2.900
18 Months	3.000
2 Years	3.050
3 Years	3.050
4 Years	3.100
5 Years	3.150

List of rates for RATECLIMBER (3 YEAR) 3.010 EFFECTIVE YIELD
RATECLIMBER (3 YEAR) 3.010 EFFECTIVE YIELD	Rate
Year 1	2.450
Year 2	2.900
Year 3	3.670

List of rates for RATECLIMBER (5 YEAR) 3.050 EFFECTIVE YIELD
RATECLIMBER (5 YEAR) 3.050 EFFECTIVE YIELD	Rate
Year 1	2.940
Year 2	2.970
Year 3	3.020
Year 4	3.070
Year 5	3.250

List of rates for USD NON-REDEEMABLE TERMS
USD NON-REDEEMABLE TERMS	Rate
1 Year	2.750
18 Months	2.700
2 Years	2.550
3 Years	2.400
4 Years	2.400
5 Years	2.500
USD Kootenay Saver	1.500

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)	1.4332	1.3532

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 Lending Rate

Prime Rates

5 Year Fixed Mortgage*

Prime Rate

4.950%

5 Year Fixed Mortgage*

Prime Lending Rate

6.000%

5 Year Fixed Mortgage*

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.

Kootenay Savings

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Rates & Fees

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

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.

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.

Service Fees

Prime Lending Rate

Prime Rates

5 Year Fixed Mortgage*

Prime Rate

4.950%

5 Year Fixed Mortgage*

Prime Lending Rate

6.000%

5 Year Fixed Mortgage*

Prime Rate vs. Prime Lending Rate

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