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PRIME RATES

PRIME RATES	POSTED RATE
OPPA Credit Union - Non Secured	5.45%
OPPA Credit Union Prime – Real Estate Secured	4.45%

US DOLLARS

FOREIGN EXCHANGE RATES	TO BUY	TO SELL	UPDATED
United States Dollar	1.4306	1.3706	November 28, 2025

*Updated Daily

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FIXED RATE OPEN MORTGAGE	RATE
6 Month	6.75%

FIXED RATE CLOSED MORTGAGES	POSTED RATE	AS LOW AS
6 months - Fixed Convertible	7.20%	6.20%
1 Year – as low as	7.24%	6.19%
2 Year – as low as	6.84%	5.59%
3 Year – as low as	6.50%	4.34%
4 Year – as low as	6.34%	4.89%
5 Year – as low as	6.39%	4.54%

VARIABLE MORTGAGE RATES	POSTED RATE
5 Year Variable Closed – as low as	3.95%
5 Year Variable Open – as low as	7.45%

HIGH RATIO FIXED MORTGAGE	POSTED RATE	AS LOW AS RATE
3 Year High Ratio Fixed Rate - as low as	4.39%	4.09%
5 Year High Ratio Fixed Rate - as low as	4.29%	4.14%

30 / 35 Year Amortizations Available
30 & 35 Year Amortizations Available - Please contact your Lending Specialist for details

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BRIDGE LOAN	RATES	FEES
OPP Relocation with new mortgage	Prime + 1%	$400
OPP Relocation no mortgage	Prime + 3%	$500
Non Relocation with new mortgage	Prime + 2%	$500
Non Relocation no mortgage	Prime + 4%	$500

RRSP LOANS	RATES
As low as OPPA Credit Union Prime + 1.00%	5.70%

VEHICLE LOANS	RATES	INSURED
Model Years 2020 & older	5 Year Variable 9.20%
Model Years 2021 - 2023	5 Year Fixed 5.99%	5 Year Fixed 4.99%
Model Years 2024 - 2026	5 Year Fixed 5.79%	5 Year Fixed 4.79%

LINES OF CREDIT

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UNSECURED LINE OF CREDIT	RATE
OPPA Credit Union Non Secured as low as	10.20%

HOME EQUITY LINE OF CREDIT	RATE
OPPA Credit Union Home Equity LOC - Real Estate Secured - Prime +1%	5.70%

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NON-REDEEMABLE TERM DEPOSITS	RATES
1 Year – As high as	2.90%
2 Year – As high as	3.00%
3 Year – As high as	3.10%
4 Year – As high as	3.20%
5 Year – As high as	3.35%

1 Year *Redeemable*	1.25%

RESP TERM DEPOSITS	RATES
1 Year – As high as	2.90%
2 Year – As high as	3.00%
3 Year – As high as	3.10%
4 Year – As high as	3.20%
5 Year – As high as	3.35%

RRSP TERM DEPOSITS	RATES
1 Year - As high as	2.90%
2 Year - As high as	3.00%
3 Year - As high as	3.10%
4 Year - As high as	3.20%
5 Year - As high as	3.35%

FLEX TERM DEPOSIT	RATES
1 Year RRSP Payroll Savings Plan	0.75%

VARIABLE RRSP	RATE
	0.50%

PENSIONER'S PARKING ACCOUNT	RATES
1 Year	1.25%

RRIF TERM DEPOSITS	RATES
1 Year – As high as	2.90%
2 Year – As high as	3.00%
3 Year – As high as	3.10%
4 Year – As high as	3.20%
5 Year – As high as	3.35%

VARIABLE RRIF	RATE
	0.50%

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TFSA SAVINGS ACCOUNT	RATES
High Interest Savings	0.75%

TFSA TERM DEPOSITS	RATES
1 Year – As high as	2.90%
2 Year – As high as	3.00%
3 Year – As high as	3.10%
4 Year – As high as	3.20%
5 Year – As high as	3.35%

SAVINGS ACCOUNTS

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FHSA	RATES
First Time Home Buyer Savings Account	3.00%

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EMAIL

contactus@oppacu.com

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EMAIL

contactus@oppacu.com

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