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PRIME RATES

PRIME RATES	POSTED RATE
OPPA Credit Union - Non Secured	7.45%
OPPA Credit Union Prime – Real Estate Secured	6.45%

US DOLLARS

FOREIGN EXCHANGE RATES	TO BUY	TO SELL	UPDATED
United States Dollar	1.3879	1.3279	September 13, 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%	6.20%
1 Year – as low as	7.64%	6.59%
2 Year – as low as	6.59%	5.99%
3 Year – as low as	6.95%	5.09%
4 Year – as low as	6.74%	5.64%
5 Year – as low as	6.79%	4.89%

VARIABLE MORTGAGE RATES	POSTED RATE
5 Year Variable Closed – as low as	6.25%
5 Year Variable Open – as low as	9.45%

HIGH RATIO FIXED MORTGAGE	SPECIAL RATE
3 Year High Ratio Fixed Rate - as low as	4.99%
5 Year High Ratio Fixed Rate - as low as	4.64%

30 / 35 Year Amortization	SPECIAL RATE
30 Year Amortization - as low as	5.09%
35 Year Amortization - as low as	5.09%

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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%	8.45%

VEHICLE LOANS	RATES
Model Years 2020 & older	5 Year - 9.95%
Model Years 2021 - 2022	5 Year - 7.95%
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	11.95%

HOME EQUITY LINE OF CREDIT	RATE
OPPA Credit Union Home Equity LOC - Real Estate Secured - Prime +1%	7.45%

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NON-REDEEMABLE TERM DEPOSITS	RATES
1 Year – As high as	4.25%
2 Year – As high as	4.00%
3 Year – As high as	3.75%
4 Year – As high as	3.65%
5 Year – As high as	3.75%

RESP TERM DEPOSITS	RATES
1 Year – As high as	4.25%
2 Year – As high as	4.00%
3 Year – As high as	3.75%
4 Year – As high as	3.65%
5 Year – As high as	3.75%

RRSP TERM DEPOSITS	RATES
1 Year - As high as	4.25%
2 Year - As high as	4.00%
3 Year - As high as	3.75%
4 Year - As high as	3.65%
5 Year - As high as	3.75%

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	2.00%

RRIF TERM DEPOSITS	RATES
1 Year – As high as	4.25%
2 Year – As high as	4.00%
3 Year – As high as	3.75%
4 Year – As high as	3.65%
5 Year – As high as	3.75%

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	1.50%

TFSA TERM DEPOSITS	RATES
1 Year – As high as	4.25%
2 Year – As high as	4.00%
3 Year – As high as	3.75%
4 Year – As high as	3.65%
5 Year – As high as	3.75%

SAVINGS ACCOUNTS

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FHSA SAVINGS ACCOUNT	RATES
First Home Savings Account	3.00%

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contactus@oppacu.com

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EMAIL

contactus@oppacu.com

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