Skip to main content
 

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)
4.990
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.
 


Prime Rates

Prime Lending Rate

6.500

Prime Rate

5.450
 

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.

 

Calculators

​Learning Centre

​Ways to Bank

 

​Join Kootenay Savings Credit Union

More than great rates, we’re part of your community and are working with our members to make the Kootenays even better.

JOIN US

LEARN ABOUT MEMBERSHIP