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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
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)
1.4313
1.3513
All rates are subject to change without notice, and are not guaranteed unless confirmed in writing.
 


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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