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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%

US DOLLARS

FOREIGN EXCHANGE RATES
TO BUY
TO SELL
UPDATED

United States Dollar

1.4014

1.3414

May 24, 2024

*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

6.70%

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

4.75%

2 Year – As high as

4.55%

3 Year – As high as

4.25%

4 Year – As high as

4.25%

5 Year – As high as

4.35%

RESP TERM DEPOSITS
RATES

1 Year – As high as

4.75%

2 Year – As high as

4.55%

3 Year – As high as

4.25%

4 Year – As high as

4.25%

5 Year – As high as

4.35%

RRSP TERM DEPOSITS
RATES

1 Year - As high as

4.75%

2 Year - As high as

4.55%

3 Year - As high as

4.25%

4 Year - As high as

4.25%

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

4.75%

2 Year – As high as

4.55%

3 Year – As high as

4.25%

4 Year – As high as

4.25%

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

4.75%

2 Year – As high as

4.55%

3 Year – As high as

4.25%

4 Year – As high as

4.25%

5 Year – As high as

4.35%

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FHSA SAVINGS ACCOUNT
RATES

First Home Savings Account

3.25%