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OUR RATES
FEATURED RATES
5-year Variable Rate Mortgage
Closed - Insured**
4.00
5-year Fixed Rate Mortgage
Closed - Insured**
4.59
12-month Cashable
Term Deposit
2.75
StepUp® 6Plus6 - second 6 months
Term Deposit
5.20
OUR RATES
MORTGAGES
LOANS & LINES OF CREDIT
TERM DEPOSITS
US DOLLAR EXCHANGE
PERSONAL ACCOUNTS
BUSINESS ACCOUNTS
PRIME
Use our mortgage calculator to find out what mortgage amount you can afford and what your mortgage payment and amortization schedule would be.
Our Mortgage Rates
Apply for mortgage pre-approval online or call us at 1-888-597-1083 to get started.
| MORTGAGE RATES† | Rate |
|---|---|
| 6 month fixed rate (closed)* |
5.00
|
| 1 year fixed rate (closed)* |
4.59
|
| 2 year fixed rate (closed)* |
4.84
|
| 3 year fixed rate (closed)* |
5.09
|
| 4 year fixed rate (closed)* |
5.14
|
| 5 year fixed rate (closed) - insured** |
4.59
|
| 5 year fixed rate (closed)* |
4.84
|
| 5 year variable rate (closed) - insured** |
4.00
|
| 5 year variable rate (closed)* |
4.20
|
| 7 year fixed rate (closed)* |
5.59
|
| 10 year fixed rate (closed)* |
5.99
|
| 6 month fixed rate (open) |
7.30
|
| 1 year fixed rate (open) |
7.30
|
| Variable rate (open) |
5.20
|
*This mortgage rate is only available to members with greater than 20% down payment, purchasing a residential, owner occupied property valued at under $1,000,000, and who meet other conditions. A premium may be applied to the rates for all other mortgages. Please visit a branch or call us at 1-888-597-1083 for further details.
**This insured mortgage rate is only available to members with less than 20% down payment, purchasing a residential property valued at under $1,000,000, who are eligible for and purchase mortgage default insurance and meet other conditions.
†Mortgage rates are subject to change without notice and are available O.A.C. Fixed mortgage rates are compounded semi-annually. Variable mortgage rates are compounded monthly. Terms and conditions may apply. Mortgage funds must be advanced within 120 days of the application. These rates are discounted and can not be combined with any other rate discounts, promotions or offers. Additional fees may apply. For specific Annual Percentage Rate (APR) rates, please contact us.
You can purchase 12-month non-registered cashable term deposits as well as all 1 to 5 year non-registered non-redeemable terms online. It's simple, just log in to online banking and select 'Open an Account'. Contact us to purchase any of our registered term deposit products.
Featured Term Deposit Rates
| FEATURED TERM DEPOSIT RATES | Rate |
|---|---|
| StepUp® 6Plus6 - first 6 months |
0.60
|
| StepUp® 6Plus6 - second 6 months |
5.20
|
| StepUp® 6Plus6 - average rate |
2.90
|
| 12-month Cashable Term Deposit |
2.75
|
| 3-year PRIMECONNECT® Redeemable Term Deposit |
3.70
|
Registered Term Deposit Rates
| Cashable Term Deposits (Registered) | Rate |
|---|---|
| 12-month cashable (redeemable after 30 days) |
2.75
|
| StepUp® 6Plus6 - first 6 months |
0.60
|
| StepUp® 6Plus6 - second 6 months |
5.20
|
| StepUp® 6Plus6 - average rate |
2.90
|
| StepUp® 9Plus9 - first 9 months |
0.60
|
| StepUp® 9Plus9 - second 9 months |
5.80
|
| StepUp® 9Plus9 - average rate |
3.20
|
| StepUp® 18Plus18 - first 18 months |
0.40
|
| StepUp® 18Plus18 - second 18 months |
5.70
|
| StepUp® 18Plus18 - average rate |
3.05
|
| Short-Term Non-Redeemable Term Deposits (Registered) | Rate |
|---|---|
| 30-59 days |
0.25
|
| 60-89 days |
0.30
|
| 90-119 days |
0.35
|
| 120-179 days |
0.40
|
| 180-269 days |
2.50
|
| 270-364 days |
3.00
|
| Long-term Non-Redeemable Term Deposits (Registered) | Rate |
|---|---|
| 1 year |
4.00
|
| 2 year |
4.05
|
| 3 year |
4.10
|
| 4 year |
4.15
|
| 5 year |
4.20
|
Non-Registered Term Deposit Rates
| Cashable Term Deposits (Non-Registered) | Rate |
|---|---|
| 12-month cashable (redeemable after 30 days) |
2.75
|
| StepUp® 6Plus6 - first 6 months |
0.60
|
| StepUp® 6Plus6 - second 6 months |
5.20
|
| StepUp® 6Plus6 - average rate |
2.90
|
| StepUp® 9Plus9 - first 9 months |
0.60
|
| StepUp® 9Plus9 - second 9 months |
5.80
|
| StepUp® 9Plus9 - average rate |
3.20
|
| StepUp® 18Plus18 - first 18 months |
0.40
|
| StepUp® 18Plus18 - second 18 months |
5.70
|
| StepUp® 18Plus18 - average rate |
3.05
|
| Redeemable Term Deposits (Registered/Non-Registered) | Rate |
|---|---|
| 3-year PRIMECONNECT® |
3.70
|
| Short-Term Non-Redeemable Term Deposits (Non-Registered) | Rate |
|---|---|
| 30-59 days |
0.25
|
| 60-89 days |
0.30
|
| 90-119 days |
0.35
|
| 120-179 days |
0.40
|
| 180-269 days |
2.50
|
| 270-364 days |
3.00
|
| Long-Term Non-Redeemable Term Deposits (Non-Registered) | Rate |
|---|---|
| 1 year |
4.00
|
| 2 year |
4.05
|
| 3 year |
4.10
|
| 4 year |
4.15
|
| 5 year |
4.20
|
| market-linked term deposits (registered/non-registered) | rate |
|---|---|
| winwin EarthLink™ | 50.00%* |
| winwin® Financial Services | 35.00%* |
*Maximum potential cumulative 5-year rate.
| Non-Redeemable US Term Deposits (Non-Registered) | Rate |
|---|---|
| 30-59 days |
0.05
|
| 60-89 days |
0.10
|
| 90-119 days |
0.15
|
| 120-179 days |
0.20
|
| 180-269 days |
0.25
|
| 270-364 days |
0.30
|
Term deposit rates are subject to change without notice. Interest rates are per annum. Interest compounds annually. Terms and conditions apply.
winwin EarthLink™ terms and conditions / winwin® Financial Services terms and conditions
PRIMECONNECT® interest rate is per annum and is linked to the First West Credit Union prime rate.
The Credit Union Deposit Insurance Corporation of British Columbia, a statutory corporation, fully guarantees all deposits. Credit union equity shares and investments such as mutual funds or RSP equity plans are not covered by deposit insurance.
We acknowledge that we have the privilege of doing business on the traditional and unceded territory of First Nation’s communities.
© First West Credit Union. All rights reserved.
