EVERYONE LOVES A DEAL.

We’ll keep coming up with ideas for you and your family, so you can keep on benefiting from your OPPA Credit Union membership as much as possible.

Member Feedback – “…I can’t believe this service and rewards are available and how quickly the agent got involved.”

Out with the old and in with a new rate for 2022

22 months @ 2.2%

Annual Interest

*Valid on new AND existing Money

Registered Products

Talk to an advisor about your investment options.

You have CHOICES

Choose the package that fits you

Up to 0.25% off the posted 3 or 5 year fixed rate

Click HERE to see all of our Mortgage Package options

Earn 1% Cash Back up to $500

New Money Only
Registered Products
Up to $500

Interac e-transfer limits – set back to default limits

Due to the recent e-transfer fraud attempts, we are resetting the e-transfer limits back to the default amounts


Max per outgoing send	$3,000
Max per 24 hrs (rolling)	$10,000
Max per 7 days (rolling)	$10,000
Max per 30 days (rolling)	$20,000

Max per *request*	$3,000

TFSA Transfers

Now is the time and it’s easier than ever!

Transfer money to your TFSA through online banking.

And take advantage of a great rate

0.75%

Contact us for more details

We’ll MATCH your 1st Pre Authorized TFSA or RRSP payment up to $50

Set up a new TFSA or RRSP plan pre authorized payment and we’ll match your first payment up to $50!

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.

Click here to learn more, or apply now.

TALK TO US ABOUT LOWERING YOUR COST OF HOME OWNERSHIP AND OUR OUTSTANDING MORTGAGE OFFERS ON RIGHT NOW

CURRENT FIXED MORTGAGE RATES	POSTED RATE	SPECIAL RATE
1 Year – as low as	2.89%	2.89%
2 Year– as low as	3.14%	2.89%
3 Year– as low as	3.65%	2.89%
4 Year– as low as	4.29%	2.89%
5 Year– as low as	4.99%	2.89%
Insured Mortgages – as low as	4.99%	2.79%

Talk to a OPPA Credit Union Advisor today!

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

USD

Foreign Exchange Rates	To Purchase	To Sell
United States Dollar	1.2765	1.2165

*Updated Daily

Prime Rates	Rates
OPPA Credit Union Prime – Real Estate Secured	2.50%
OPPA Credit Union Prime – NON Real Estate Secured	3.50%

Mortgages

Fixed Rate Closed Mortgages	SPECIAL Rate	Posted Rate
1 Year – as low as	2.89%	2.89%
2 Year – as low as	2.89%	3.14%
3 Year – as low as	2.89%	3.65%
4 Year – as low as	2.89%	4.29%
5 Year – as low as	2.89%	4.99%

SPECIAL Fixed Rate Open Mortgage	Rates
1 Year	7.45%

Variable Mortgage Rates	Special Rate	Posted Rate
5 Year Variable Closed – as low as	1.99%	2.50%
5 Year Variable Open – as low as	5.45%

Loans

RRSP Loans	Rates
OPPA Credit Union Prime + 1.00%	3.45%

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

Vehicle Loans	Rates
Model Years 2019 & older	6.45%
Model Years 2022/2021/2020	4.95%

Lines Of Credit

Unsecured Line of Credit	Rates
OPPA Credit Union Non Real Estate Secured Prime + 4.50% and up	7.95%

Home Equity Line of Credit	Rates
OPPA Credit Union Home Equity LOC	3.45%

Term Deposits

Non-Redeemable Term Deposits	Rates
1 Year – Call for Special Offers	0.75%
18 Months – Call for Special Offers	0.88%
2 Year – Call for Special Offers	1.00%
3 Year – Call for Special Offers	1.30%
4 Year – Call for Special Offers	1.45%
5 Year – Call for Special Offers	1.70%

Variable RRSP *Tiered by Balance	Rates
$0 – $5,499	0.50%
$5,500 – $24,999	0.50%
$25,000 +	0.50%

Flex Term Deposit	Rates
1 Year RRSP Payroll Savings Plan	0.50%

Pensioner’s Parking Account	Rates
1 Year	0.50%

RRIF Term Deposits	Rates
1 Year – Call for Special Offers	0.60%
18 Months – Call for Special Offers	0.68%
2 Year – Call for Special Offers	0.75%
3 Year – Call for Special Offers	0.85%
4 Year – Call for Special Offers	0.95%
5 Year – Call for Special Offers	1.15%

Variable RRIF *Tiered by Balance	Rates
$0 – $5,499	0.50%
$5,500 – $24,999	0.50%
$25,000 +	0.50%

RESP Term Deposits	Rates
1 Year – Call for Special Offers	0.60%
18 Months – Call for Special Offers	0.68%
2 Year – Call for Special Offers	0.75%
3 Year – Call for Special Offers	0.85%
4 Year – Call for Special Offers	0.95%
5 Year – Call for Special Offers	1.15%

TFSAs

TFSA Savings Account	Rates
High Interest Savings	.75%

TFSA Term Deposits	Rates
1 Year – Call for Special Offers	0.60%
2 Year – Call for Special Offers	0.75%
3 Year – Call for Special Offers	0.85%
4 Year – Call for Special Offers	0.95%
5 Year – Call for Special Offers	1.15%

Savings Accounts

Optimum Savings Account	Rates
All Balances	.50%

High Speed Savings Account *Tiered by Balance	Rates
$ 0 – $ 75,000	.35%
$ 75,000 – $ 150,000	.85%
Over $ 150,000	1.35%

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