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.
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%
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
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
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
Prepare your Last Will and Testament with unlimited updates for one year with a special deal for OPPA Credit Union Members
This unique online program walks you through the process step by step.
Lower payments and
higher qualifications
Ask your advisor for details
Click HERE for details
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.
FOREIGN EXCHANGE RATES |
TO BUY |
TO SELL |
UPDATED |
---|---|---|---|
United States Dollar |
1.4263 |
1.3663 |
October 03, 2025 |
PRIME RATES |
POSTED RATE |
---|---|
OPPA Credit Union - Non Secured |
5.70% |
OPPA Credit Union Prime – Real Estate Secured |
4.70% |
*Updated Daily
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 |
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 |
|
Model Years 2021 - 2023 |
5 Year Fixed |
5 Year Fixed |
Model Years 2024 - 2026 |
5 Year Fixed |
5 Year Fixed |
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% |
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% |
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% |
FHSA |
RATES |
---|---|
First Time Home Buyer Savings Account |
3.00% |
ACCOUNT TYPE |
FEATURES |
FEES |
---|---|---|
Maxi |
40 Free Debit Transactions |
$10.25 |
Inclusive |
Unlimited Debit Transactions |
$14.95 |
Senior/Student Maxi |
20 Free DebitsTransactions |
$5.00 |
Senior/Student Inclusive |
Unlimited Debit Transactions |
$7.50 |
Basic |
Pay as you go $1.00 per debit |
Pay as you go |
Current (Business) |
20 Debit Transactions |
$14.95 |
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 |
OPPA Credit Union: Barrie Office
123 Ferris Lane, Barrie, Ontario L4M 2Y1
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