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PRIME RATES

PRIME RATES	POSTED RATE
OPPA Credit Union - Non Secured	6.95%
OPPA Credit Union Prime – Real Estate Secured	5.95%

US DOLLARS

FOREIGN EXCHANGE RATES	TO BUY	TO SELL	UPDATED
United States Dollar	1.4393	1.3793	December 06, 2024

*Updated Daily

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FIXED RATE OPEN MORTGAGE	RATE
6 Month	7.25%

FIXED RATE CLOSED MORTGAGES	POSTED RATE	AS LOW AS
6 months - Fixed Convertible	7.20%	6.20%
1 Year – as low as	7.24%	6.19%
2 Year – as low as	6.84%	5.59%
3 Year – as low as	6.50%	4.54%	4.39%
4 Year – as low as	6.34%	4.89%
5 Year – as low as	6.39%	4.49%

VARIABLE MORTGAGE RATES	POSTED RATE
5 Year Variable Closed – as low as	5.75%
5 Year Variable Open – as low as	8.95%

HIGH RATIO FIXED MORTGAGE	POSTED RATE	AS LOW AS RATE
3 Year High Ratio Fixed Rate - as low as	5.04%	4.79%
5 Year High Ratio Fixed Rate - as low as	4.69%	4.44%	4.29%

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%	7.95%

VEHICLE LOANS	RATES
Model Years 2020 & older	5 Year Variable - 9.95%
Model Years 2021 - 2023	5 Year Variable- 7.95%
*Special Limited Time Offer - Model Years 2024 - 2025	5 Year Fixed - 4.99%

LINES OF CREDIT

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UNSECURED LINE OF CREDIT	RATE
OPPA Credit Union Non Secured Prime + 4.50% and up	11.45%

HOME EQUITY LINE OF CREDIT	RATE
OPPA Credit Union Home Equity LOC - Real Estate Secured - Prime +1%	6.95%

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NON-REDEEMABLE TERM DEPOSITS	RATES
1 Year – As high as	3.65%
2 Year – As high as	3.40%
3 Year – As high as	3.40%
4 Year – As high as	3.40%
5 Year – As high as	3.40%

1 Year *Redeemable*	2.00%

RESP TERM DEPOSITS	RATES
1 Year – As high as	3.65%
2 Year – As high as	3.40%
3 Year – As high as	3.40%
4 Year – As high as	3.40%
5 Year – As high as	3.40%

RRSP TERM DEPOSITS	RATES
1 Year - As high as	3.65%
2 Year - As high as	3.40%
3 Year - As high as	3.40%
4 Year - As high as	3.40%
5 Year - As high as	3.40%

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	3.65%
2 Year – As high as	3.40%
3 Year – As high as	3.40%
4 Year – As high as	3.40%
5 Year – As high as	3.40%

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	3.65%
2 Year – As high as	3.40%
3 Year – As high as	3.40%
4 Year – As high as	3.40%
5 Year – As high as	3.40%

SAVINGS ACCOUNTS

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FHSA SAVINGS ACCOUNT	RATES
First Home Savings Account	3.00%

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EMAIL

contactus@oppacu.com

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EMAIL

contactus@oppacu.com

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