financial backup for life

EVERYONE LOVES A DEAL

OPPA Credit Union has teamed up with All-Purpose Realty (APR) to offer members an incredible opportunity!

By simply using an APR referred real estate agent, from their established network of brand name real estate companies, Members will receive a cashback reward based on the transaction value of the home sale and/or purchase.

$25 for each $10,000 increment of completed transaction value on the sale and/or purchase price.

New Mortgage Specials

3 Year Conventional
Closed fixed as low as:
5.49%

5 Year High Ratio
closed fixed as low as:
4.99%

3 Year High Ratio
closed fixed as low as:
5.34%


*Conditions Apply

FHSA Transfers

New FHSA is TAX FREE way to save for your first home down payment!
3.25%

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



*Conditions Apply

Torn yellow paper with plus ,offer, advantageous icon on white background.Plus sign virtual means to offer positive thing like benefits, personal development, social network Profit,health insurance.

NEW Mortgage PLUS

Combine Multiple Bills & Debts into
1 Lower Interest Payment

to Free Up Cashflow

Lower your high interest loan
credit card or debt payments by blending them into your mortgage



*Conditions Apply


Special Spring Reno Loan Offer

Coming Soon

*Conditions Apply

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. 

 

 

*Conditions Apply

Up to 5,000 Welcome Points

Always On Offer - Anytime in 2024

New Infinite, Cash Back or Infinite Cash Back cards receive 5,000 points

New Centra Gold cards receive 1,000 points

* Check offer page for fulldetails

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.

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

1.4050

1.3450

April 15, 2024

PRIME RATES

PRIME RATES
POSTED RATE

OPPA Credit Union Prime – Real Estate Secured

7.20%

OPPA Credit Union Prime – NON Real Estate Secured

8.20%

*Updated Daily

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FIXED RATE OPEN MORTGAGE
RATE

1 Year

7.45%

6 Month

7.45%

FIXED RATE CLOSED MORTGAGES
POSTED RATE
SPECIAL RATE

6 months - Fixed Convertible

7.20%

1 Year – as low as

7.94%

7.19%

2 Year – as low as

7.59%

6.84%

3 Year – as low as

7.05%

5.49%

4 Year – as low as

6.84%

6.04%

5 Year – as low as

6.89%

5.80%

VARIABLE MORTGAGE RATES
POSTED RATE

5 Year Variable Closed – as low as

7.00%

5 Year Variable Open – as low as

10.20%

HIGH RATIO FIXED MORTGAGE
SPECIAL RATE

High Ratio Fixed Rate - as low as

4.99%

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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%

8.20%

VEHICLE LOANS
RATES

Model Years 2020 & older

5 Year -  10.20%

Model Years 2021 - 2022

5 Year - 8.20%

Model Years 2023 - 2024

5 Year - 5.65%

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UNSECURED LINE OF CREDIT
RATE

OPPA Credit Union  Prime + 4.50% and up

12.70%

HOME EQUITY LINE OF CREDIT
RATE

OPPA Credit Union Home Equity LOC - Real Estate Secured - Prime +1%

8.20%

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NON-REDEEMABLE TERM DEPOSITS
RATES

1 Year – As high as

5.00%

2 Year – As high as

4.80%

3 Year – As high as

4.50%

4 Year – As high as

4.50%

5 Year – As high as

4.35%

RESP TERM DEPOSITS
RATES

1 Year – As high as

5.00%

2 Year – As high as

4.80%

3 Year – As high as

4.50%

4 Year – As high as

4.50%

5 Year – As high as

4.35%

RRSP TERM DEPOSITS
RATES

1 Year - As high as

5.00%

2 Year - As high as

4.80%

3 Year - As high as

4.50%

4 Year - As high as

4.50%

5 Year - As high as

4.35%

FLEX TERM DEPOSIT
RATES

1 Year RRSP Payroll Savings Plan

0.75%

VARIABLE RRSP (tiered by balance)
RATES

$0 – $5,499

0.50%

$5,500 – $24,999

0.50%

$25,000 +

0.50%

PENSIONER'S PARKING ACCOUNT
RATES

1 Year

2.50%

RRIF TERM DEPOSITS
RATES

1 Year – As high as

5.00%

2 Year – As high as

4.80%

3 Year – As high as

4.50%

4 Year – As high as

4.50%

5 Year – As high as

4.35%

VARIABLE RRIF (tiered by balance)
RATES

$0 – $5,499

0.50%

$5,500 – $24,999

0.50%

$25,000 +

0.50%

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TFSA SAVINGS ACCOUNT
RATES

High Interest Savings

2.25%

TFSA TERM DEPOSITS
RATES

1 Year – As high as

5.00%

2 Year – As high as

4.80%

3 Year – As high as

4.50%

4 Year – As high as

4.50%

5 Year – As high as

4.35%

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FHSA SAVINGS ACCOUNT
RATES

First Home Savings Account

3.25%

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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

1.85%

9-1-1 Savings Account
RATES
OPEN

Series 4 - August 1, 2023 - Oct 31, 2023

3.00%

August 1st - 7th

Series 5 - November 1, 2023 - January 31, 2024

4.00%

November 1st - 7th

Series 6 - February 1, 2024 - February 7, 2024

3.25%

February 1st - 7th

>More Details
HIGH SPEED SAVINGS ACCOUNT (tiered by balance)
RATES

$ 0 – $ 75,000

.75%

$ 75,000 – $ 150,000

1.50%

Over $ 150,000

2.25%

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