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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 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.
 


Prime Rates

Prime Lending Rate

4.250

Prime Rate

3.20
 

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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