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PRIME RATES

PRIME RATES	POSTED RATE
OPPA Credit Union - Non Secured	7.95%
OPPA Credit Union Prime – Real Estate Secured	6.95%

US DOLLARS

FOREIGN EXCHANGE RATES	TO BUY	TO SELL	UPDATED
United States Dollar	1.4125	1.3525	July 26, 2024

*Updated Daily

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FIXED RATE OPEN MORTGAGE	RATE
6 Month	6.45%

FIXED RATE CLOSED MORTGAGES	POSTED RATE	SPECIAL RATE
6 months - Fixed Convertible	7.20%	6.45%
1 Year – as low as	7.84%	6.84%
2 Year – as low as	7.44%	6.44%
3 Year – as low as	6.95%	5.34%
4 Year – as low as	6.74%	5.64%
5 Year – as low as	6.79%	5.24%

VARIABLE MORTGAGE RATES	POSTED RATE
5 Year Variable Closed – as low as	6.75%
5 Year Variable Open – as low as	9.95%

HIGH RATIO FIXED MORTGAGE	SPECIAL RATE
High Ratio Fixed Rate - as low as	4.84%

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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%	7.95%

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%

LINES OF CREDIT

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UNSECURED LINE OF CREDIT	RATE
OPPA Credit Union Non Secured Prime + 4.50% and up	12.45%

HOME EQUITY LINE OF CREDIT	RATE
OPPA Credit Union Home Equity LOC - Real Estate Secured - Prime +1%	7.95%

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NON-REDEEMABLE TERM DEPOSITS	RATES
1 Year – As high as	4.50%
2 Year – As high as	4.30%
3 Year – As high as	4.10%
4 Year – As high as	4.10%
5 Year – As high as	4.20%

RESP TERM DEPOSITS	RATES
1 Year – As high as	4.50%
2 Year – As high as	4.30%
3 Year – As high as	4.10%
4 Year – As high as	4.10%
5 Year – As high as	4.20%

RRSP TERM DEPOSITS	RATES
1 Year - As high as	4.50%
2 Year - As high as	4.30%
3 Year - As high as	4.10%
4 Year - As high as	4.10%
5 Year - As high as	4.20%

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	2.25%

RRIF TERM DEPOSITS	RATES
1 Year – As high as	4.50%
2 Year – As high as	4.30%
3 Year – As high as	4.10%
4 Year – As high as	4.10%
5 Year – As high as	4.20%

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	1.75%

TFSA TERM DEPOSITS	RATES
1 Year – As high as	4.50%
2 Year – As high as	4.30%
3 Year – As high as	4.10%
4 Year – As high as	4.10%
5 Year – As high as	4.20%

SAVINGS ACCOUNTS

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FHSA SAVINGS ACCOUNT	RATES
First Home Savings Account	3.25%

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EMAIL

contactus@oppacu.com

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