financial backup for life

EVERYONE LOVES A DEAL & EVERYONE NEEDS A WILL

OPPA Credit Union has teamed up with Legal Wills Canada to offer members a quick, easy and affordable way to prepare you Will and other estate planning documents.

OPPA Credit Union Members can use the simple online process to prepare your Will with unlimited updates for one year, for just $39.96.

Mortgage Specials

Conventional Mortgages
Closed fixed as low as:
3 Yr - 4.34%

High Ratio Mortgages
Closed fixed as low as:
5 Yr - 4.14%
3 Yr - 4.09%


*Conditions Apply

FHSA Transfers

New FHSA is TAX FREE way to save for your first home down payment!
3.00%

 Ask an advisor how you can contribute up to $40,000
and take advantage of a great rate


*Conditions Apply

Apples in a Basket Outdoor. Sunny Background. Autumn Garden

Fresh Fall Investment Rates

As high as
1 yr @ 2.90%
2 yr @ 3.00%
3 yr @ 3.10%
4 yr @ 3.20%

5 yr @3.35%

Talk to your Investment Specialist for details


*Conditions Apply


Pay off debt faster
Consolidate Debt
Save on Interest

Pay 0% Interest for the first 9 months when you transfer your existing credit card balances for a one-time transfer fee of 2%

Click HERE for details

Canada's #1 provider of online Wills, Power of Attorney, and Living Wills

Prepare your Last Will and Testament with unlimited updates for one year with a special deal for OPPA Credit Union Members

$39.96

This unique online program walks you through the process step by step. 

New 30 & 35 Year Amortization

Lower payments and
higher qualifications

Ask your advisor for details

Click HERE for details

EVERYONE LIKES TO SEE RATES – YOU’LL LOVE SEEING OURS!

RESP AWARD

Looking to start an RESP for your child, grandchild, niece or nephew? If you are a member of the OPPA Credit Union, and would like to start an RESP account for your child you are eligible to receive $100.00 to be deposited into your OPPA Credit Union RESP account to kick start your child’s future education.

Click here to learn more.

SCHOLARSHIP AWARDS

OPPA Credit Union supports you and your family through continued education. Do you have a child entering post secondary schooling? If so, you are eligible to apply for our Scholarship Awards.

Learn more here.

Apply here

US DOLLARS

FOREIGN EXCHANGE RATES
TO BUY
TO SELL
UPDATED

United States Dollar

1.4329

1.3729

October 22, 2025

PRIME RATES

PRIME RATES
POSTED RATE

OPPA Credit Union - Non Secured

5.70%

OPPA Credit Union Prime – Real Estate Secured

4.70%

*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

4.20%

5 Year Variable Open – as low as

7.70%
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%
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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%
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FHSA
RATES

First Time Home Buyer Savings Account

3.00%
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ACCOUNT TYPE
FEATURES
FEES

Maxi

40 Free Debit Transactions
4 Free ATM withdrawals
1 book standard cheques
Free e-transfers

$10.25
Fee waived if minimum daily balance is $2500 or more

Inclusive

Unlimited Debit Transactions
Unlimited ATM withdrawals
1 book standard cheques
Free e-transfers

$14.95
Fee waived if minimum daily balance is $3500 or more

Senior/Student Maxi

20 Free DebitsTransactions
4 Free ATM withdrawals
1 book standard cheques
Free e-transfers

$5.00
Fee waived if minimum daily balance is Senior – $2500 Student – $1000

Senior/Student Inclusive

Unlimited Debit Transactions
Unlimited ATM withdrawals
1 book standard cheques
Free e-transfers

$7.50
Fee waived if minimum daily balance is Senior – $3500 Student – $1500

Basic

Pay as you go $1.00 per debit
Free e-transfers

Pay as you go

Current (Business)

20 Debit Transactions
Unlimited ATM withdrawals
Free e-transfers

$14.95
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OPTIMUM SAVINGS ACCOUNT
RATES

All Balances

0.75%
9-1-1 Savings Account
RATES
OPEN

Series 13 - November 1, 2025 - January 31, 2026

TBD

Nov 1st - 7th

Series 12 - August 1, 2025 - October 31, 2025

1.15%

Aug 1st - 7th

Series 11 - May 1, 2025 - July 31, 2025

1.25%

May 1st - 7th
HIGH SPEED SAVINGS ACCOUNT (tiered by balance)
RATES

$ 0 – $ 75,000

.25%

$ 75,000 – $ 150,000

0.50%

Over $ 150,000

1.00%
PLAN 24 SAVINGS
RATES

$0 – $5,000

0.000%

$5,000 – $10,000

0.001%

$10,000 – $25,000

0.005%

$25,000 – $60,000

0.010%

$60,000 – $100,000

0.025%

$100,000 – $150,000

0.050%

$150,000 and over

0.150%
FAT CAT SAVINGS ACCOUNT
RATES

All Balances

0.010%
SAFETY DEPOSIT BOX
RATES

Small

$37.00 / Yr

Medium

$57.00 / Yr

Large

$117.00 / Yr
FEES

CALL

1.800.461.4288

EMAIL

contactus@oppacu.com

ATMS

Find Us

Loan/Mortgage APPLICATION
Membership Application

CALL

1.800.461.4288

EMAIL

contactus@oppacu.com

ATMS

Find Us

Applications

OPPA Credit Union: Barrie Office
123 Ferris Lane, Barrie, Ontario L4M 2Y1

Hours: Monday – Friday: 8:30 – 4:30
Tel: 705 726 5656     Toll Free: 1 800 461 4288

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