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.”
A big thumbs up for our new promotion
36 months @ 2.75%
Annual Interest
*Valid on NEW Money only.
Talk to an advisor about your investment options.
Talk to your advisor about your options
Mortgage rates are on the rise. Talk to an advisor about your options… is it worth it to break your term and lock in?
Fixed Mortgage Rate Specials
1 year 3.09%
2 year 3.34%
3 year 3.69%
4 year 3.94%
5 year 4.04%
All current rates listed below
Up to $120 annual fee rebate and up to 15,000 welcome reward points!
Choose an OPPACU Visa to earn up to 15,000 Welcome Points, PLUS 1st year annual fee FREE!
Click HERE to see card options
Travel Coverage
Cash Back
Low Rate
No Fee
Choose a card to fit your needs
Interac e-transfer higher limits reinstated
New higher limits for e-transfers have been re-instated. Including no wait time for trusted transfers.
| Max per outgoing send | $6,000 |
| Max per 24 hrs (rolling) | $20,000 |
| Max per 7 days (rolling) | $20,000 |
| Max per 30 days (rolling) | $40,000 |
| Max no delay trusted transfer | $6,000 |
| 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
0.90%
Contact us for more details
We’ve sharpened our pencils on our long and short term rates
1 year term @ 2.50%
5 year term @ 3.25%
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 | 3.19% | 3.09% |
| 2 Year– as low as | 3.44% | 3.34% |
| 3 Year– as low as | 3.80% | 3.69% |
| 4 Year– as low as | 4.19% | 3.94% |
| 5 Year– as low as | 4.79% | 4.04% |
| Insured Mortgages – as low as | 4.69% | 3.94% |
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 | 1.3312 | 1.2712 |
*Updated Daily
| Prime Rates | Rates |
| OPPA Credit Union Prime – Real Estate Secured | 3.20% |
| OPPA Credit Union Prime – NON Real Estate Secured | 4.20% |
Mortgages
| Fixed Rate Closed Mortgages | POSTED Rate | SPECIAL Rate |
| 1 Year – as low as | 3.19% | 3.09% |
| 2 Year – as low as | 3.44% | 3.34% |
| 3 Year – as low as | 3.80% | 3.69% |
| 4 Year – as low as | 4.19% | 3.94% |
| 5 Year – as low as | 4.79% | 4.04% |
| SPECIAL Fixed Rate Open Mortgage | Rates |
| 1 Year | 7.45% |
| Variable Mortgage Rates | Special Rate | Posted Rate |
| 5 Year Variable Closed – as low as | 2.29% | 6.20% |
| 5 Year Variable Open – as low as | 6.20% |
Loans
| RRSP Loans | Rates |
| OPPA Credit Union Prime + 1.00% | 4.20% |
| 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 | 7.20% |
| Model Years 2022/2021/2020 | 5.70% |
Lines Of Credit
| Unsecured Line of Credit | Rates |
| OPPA Credit Union Non Real Estate Secured Prime + 4.50% and up | 8.70% |
| Home Equity Line of Credit | Rates |
| OPPA Credit Union Home Equity LOC | 4.20% |
Term Deposits
| Non-Redeemable Term Deposits | Rates |
| 1 Year – Call for Special Offers | 2.50% |
| 18 Months – Call for Special Offers | 1.68% |
| 2 Year – Call for Special Offers | 1.80% |
| 3 Year – Call for Special Offers | 2.10% |
| 4 Year – Call for Special Offers | 2.25% |
| 5 Year – Call for Special Offers | 3.25% |
| 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 | 2.50% |
| 18 Months – Call for Special Offers | 1.68% |
| 2 Year – Call for Special Offers | 1.80% |
| 3 Year – Call for Special Offers | 2.10% |
| 4 Year – Call for Special Offers | 2.25% |
| 5 Year – Call for Special Offers | 3.25% |
| 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 | 2.50% |
| 18 Months – Call for Special Offers | 1.68% |
| 2 Year – Call for Special Offers | 1.80% |
| 3 Year – Call for Special Offers | 2.10% |
| 4 Year – Call for Special Offers | 2.25% |
| 5 Year – Call for Special Offers | 3.25% |
TFSAs
| TFSA Savings Account | Rates |
| High Interest Savings | .90% |
| TFSA Term Deposits | Rates |
| 1 Year – Call for Special Offers | 2.50% |
| 2 Year – Call for Special Offers | 1.80% |
| 3 Year – Call for Special Offers | 2.10% |
| 4 Year – Call for Special Offers | 2.25% |
| 5 Year – Call for Special Offers | 3.25% |
Savings Accounts
| Optimum Savings Account | Rates |
| All Balances | .65% |
| High Speed Savings Account *Tiered by Balance | Rates |
| $ 0 – $ 75,000 | .35% |
| $ 75,000 – $ 150,000 | .85% |
| Over $ 150,000 | 1.50% |
| 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 |