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.
18 Month Special
1.5%
18 MONTH SPECIAL
Keep your money growing
Talk to an advisor about investment options.
CRA Direct Deposit enrollment is now available through OPPACU online banking
The Government of Canada has partnered with Canadian financial institutions, including the OPPACU to offer Canada Revenue direct deposit enrolment online through our website.
You can now sign up for CRA direct deposit or change your account information via our website. More information can be found by clicking HERE
You have mortgage renewal CHOICES
3 Year Fixed 2.49%
or
5 Year Variable 2.05%
Have a mortgage renewal coming up? Take advantage of low rates. Call today to qualify
Pay off a higher rate card – decrease your payment, pay it off quicker!
PLUS the 1st year annual fee is FREE.
AND ask about our guarantee program.
All OPPA Credit Union Visas come with FLEX REWARDS – one of the easiest, flexible and most rewarding point systems available. Find out more about our Visa cards
New 4 Year Step up GIC
2.5% annual yield if held to maturity!
1.75% – Year 1
2.00% – Year 2
2.00% – Year 3
4.00% – Year 4
Investment is redeemable at anniversary date if required
TFSA – The “Star of the Show”
Keep your funds accessible while still earning interest at this very competitive rate.
Current
TFSA rate
.85%
The most misunderstood and underutilized savings vehicle available to you!
Are you using your TFSA account to it’s full potential? Talk to an advisor to help manage your investment strategies.
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 RATE MORTGAGE OFFERS | RATES |
| 1 & 2 Year Terms – as low as | 2.79% |
| 3 Year Term – as low as | 2.49% |
| 4 & 5 Year Term – as low as | 2.89% |
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 | 1.3819 | 1.3219 |
| Prime Rates | Rates |
| OPPA Credit Union Prime – Real Estate Secured | 2.45% |
| OPPA Credit Union Prime – NON Real Estate Secured | 3.45% |
Mortgages
| Posted Fixed Rate Closed Mortgages | Rates |
| 1 Year – as low as | 2.79% |
| 2 Year – as low as | 2.79% |
| 3 Year – as low as | 2.49% |
| 4 Year – as low as | 2.89% |
| 5 Year – as low as | 2.89% |
| Fixed Rate Open Mortgage | Rates |
| 1 Year | 7.45% |
| Variable Rate Mortgages | Rates |
| 5 Year Variable Closed – as low as | 2.05% |
| 5 Year Variable Open – as low as | 5.45% |
Loans
| RRSP Loans | Rates |
| OPPA Credit Union Prime + 1.00% | 3.45% |
| Bridge Loan | Rates |
| OPPA Credit Union Prime + 1.00% | 3.45% |
| Vehicle Loans | Rates |
| Model Years 2017 & older | 6.45% |
| Model Years 2020/2019/2018 | 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 | 1.10% |
| 18 Months – Call for Special Offers | 1.50% |
| 2 Year – Call for Special Offers | 1.25% |
| 3 Year – Call for Special Offers | 1.50% |
| 4 Year – Call for Special Offers | 1.60% |
| 5 Year – Call for Special Offers | 1.80% |
| Flex Term Deposit | Rates |
| 1 Year RRSP Payroll Savings Plan | 0.75% |
| Pensioner’s Parking Account | Rates |
| 1 Year | 0.75% |
| RRIF Term Deposits | Rates |
| 1 Year – Call for Special Offers | 1.10% |
| 18 Months – Call for Special Offers | 1.50% |
| 2 Year – Call for Special Offers | 1.25% |
| 3 Year – Call for Special Offers | 1.50% |
| 4 Year – Call for Special Offers | 1.60% |
| 5 Year – Call for Special Offers | 1.80% |
| RESP Term Deposits | Rates |
| 1 Year – Call for Special Offers | 1.10% |
| 18 Months – Call for Special Offers | 1.50% |
| 2 Year – Call for Special Offers | 1.25% |
| 3 Year – Call for Special Offers | 1.50% |
| 4 Year – Call for Special Offers | 1.60% |
| 5 Year – Call for Special Offers | 1.80% |
TFSAs
| TFSA Savings Account | Rates |
| High Interest Savings | .85% |
| TFSA Term Deposits | Rates |
| 1 Year – Call for Special Offers | 1.10% |
| 2 Year – Call for Special Offers | 1.25% |
| 3 Year – Call for Special Offers | 1.50% |
| 4 Year – Call for Special Offers | 1.60% |
| 5 Year – Call for Special Offers | 1.80% |
Savings Accounts
| Optimum Savings Account | Rates |
| All Balances | .60% |
| 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% |