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Rates

Reach your financial goals with these competitive rates.

RRSP/RRIF
Choose an interest rate that’s fixed or variable for your Registered Retirement Savings Plan (RRSP) or Registered Retirement Income Fund (RRIF) term deposit (also known as a GIC or Guaranteed Investment Certificate). Remember, your principal investment is 100% guaranteed with ACU.

RRSP/RRIF Redeemable GIC* Rates
1-Year Redeemable GIC 0.900%

*Minimum deposit $500 (interest paid at maturity or time of redemption)

*Penalty applies if redeemed early. Convertible to a Long Term RRSP/RRIF GIC without penalty. No partial withdrawals.


Non-Redeemable GIC* Rates
12 - 23 months 1.400%
24 - 35 months 1.500%
36 - 47 months 1.550%
48 - 59 months 1.600%
60 - 66 months 1.800%

*Minimum deposit $500 (interest paid annually on anniversary date/at maturity)


Variable Rate Savings Rates
$0 - $99,999 0.200%
$100,000 - $249,999 0.400%
$250,000 and over 0.650%

*No minimum deposit required (interest calculated daily on entire balance and paid at month end)

NOTE: Rates are subject to change without notice at any time. 

TFSA

Your Tax Free Savings Account (TFSA) term deposit offers you the choice of an interest rate that's fixed or variable. One thing that never varies; our 100% guarantee of your principal investment.

TFSA Redeemable GIC* Rates
1-Year Redeemable GIC 0.900%

*Minimum deposit $1,000 (interest paid at maturity or time of redemption)

*Penalty applies if redeemed early. Convertible to a Long Term TFSA GIC without penalty. *No partial withdrawals.


Non-Redeemable GIC (Annually)* Rates
12 - 23 months 1.400%
24 - 35 months 1.500%
36 - 47 months 1.550%
48 - 59 months 1.600%
60 - 66 months 1.800%

*Minimum deposit $1,000 (interest is paid annually on anniversary date/at maturity)


Non-Redeemable GIC (Monthly)* Rates
12 - 23 months 1.275%
24 - 35 months 1.375%
36 - 47 months 1.425%
48 - 59 months 1.475%
60 - 66 months 1.675%

*Minimum deposit $1,000 (interest is paid monthly on anniversary date/at maturity)


TFSA Savings Account* Rates
on entire balance 1.000%

*No minimum deposit required. 

NOTE: Rates are subject to change without notice at any time.

Business and community accounts
We offer account packages that provide chequing options or high interest savings to help your money work harder. 

Business chequing accounts* Rates
$0 - $24,999 0.00%
$25,000 - $49,999 0.10%
$50,000 - $99,999 0.10%
$100,000 - $249,999 0.20%
$250,000 - $499,999 0.30%
$500,000 - $999,999 0.40%
$1,000,000 and over 0.65%
Basic, Business 25, Business 75, Business 125, US Business (non-interest bearing) 0.00%

*Interest is calculated daily on each portion and paid monthly


Community Builder account* Rates
$0 - $999 0.00%
$1,000 - $2,999 0.00%
$3,000 - $4,999 0.00%
$5,000 - $9,999 0.10%
$10,000 - $24,999 0.10%
$25,000 - $49,999 0.20%
$50,000 - $74,999 0.20%
$75,000 - $99,999 0.25%
$100,000 and over 0.25%

*Interest is calculated daily on each portion and paid monthly.


Business Savings accounts Rates
Basic savings* 0.05%

*Interest is calculated daily on entire balance and paid monthly


Monthly High Rate Savings* Rates
$0 - $99,999 0.60%
$100,000 - $249,999 0.75%
$250,000 and over 1.00%

*Interest is calculated on the lowest balance during the month, paid monthly on the last day of each month.


High Rate Savings* Rates
$0 - $99,999 0.20%
$100,000 - $249,999 0.35%
$250,000 and over 0.55%

*Interest is calculated daily on entire balance and paid monthly

*Includes Business and Community High Rate Savings accounts

NOTE: Rates are subject to change without notice at any time.

GIC (Term Deposits)

Choose either a fixed or variable rate for your term deposit (also known as a Guaranteed Investment Certificate or GIC). Keep it in mind that your principal investment is 100% guaranteed with us.

Redeemable GIC* Rates
1-Year 0.900%

*Minimum deposit $1,000 (interest paid at maturity or time of redemption)

*Penalty applies if redeemed early. Convertible to a Long Term GIC without penalty. No partial withdrawals.


Short Term Non-Redeemable GIC* Rates
30 - 59 days 0.250%
60 - 89 days 0.350%
90 - 119 days 0.450%
120 - 179 days 0.450%
180 - 269 days 0.550%
270 - 364 days 0.650%

*Minimum deposit $5,000 (interest paid on maturity)


Non-Redeemable GIC (Annually)* Rates
12 - 23 months 1.400%
24 - 35 months 1.500%
36 - 47 months 1.550%
48 - 59 months 1.600%
60 - 66 months 1.800%

*Minimum deposit $1,000 (interest is paid annually on anniversary date/at maturity)


Non-Redeemable GIC (Monthly)* Rates
12 - 23 months 1.275%
24 - 35 months 1.375%
36 - 47 months 1.425%
48 - 59 months 1.475%
60 - 66 months 1.675%

*Minimum deposit $1,000 (interest is paid monthly on anniversary date/at maturity)


USD Short Term GIC* Rates
30 – 59 days 0.100%
60 – 89 days 0.150%
90 – 119 days 0.200%
120 – 179 days 0.200%
180 – 269 days 0.250%
270 – 364 days 0.350%

*Minimum deposit $1,000 (interest paid on maturity)

NOTE: Rates are subject to change without notice at any time.

Mortgages

Our rates are market-competitive and loans can be customized to meet your financial needs. Contact us to set up an appointment to determine which loan or mortgage is most suitable for you. 

Home mortgage interest rates

Best Rate Fixed Closed Mortgages Rates
6-Months 2.14%
1-Year 1.90%
2-Year 1.90%
3-Year 1.95%
4-Year 2.25%
5-Year 2.14%

Variable Rate Open Mortgage Rates
1-Year 2.95%

Variable Rate Closed Mortgage Rates
5-Year 1.95%
Prime Rates
Prime Lending Rate 2.45%

NOTE: Rates are subject to change without notice at any time.

The Annual Percentage Rate (APR) is equivalent to the Annual Interest Rate, and assumes that no fee(s) apply. If fee(s) are required as part of the application processing, any fee(s) would increase your APR.

 
Personal Accounts

Because everyone's different and we all bank differently, ACU offers a variety of account options that pay different interest rates. 

ACU Unlimited Chequing account Rates
$0 - $4,999 0.00%
$5,000 and over 0.05%

*Interest is calculated daily on each portion and paid monthly



Personal Savings account* Rates
Everyday Savings 0.05%

*Interest is calculated daily on entire balance and paid monthly


High Rate Savings* Rates
$0 - $99,999 0.65%
$100,000 - $249,999 0.80%
$250,000 and over 1.05%

*Interest is calculated daily on entire balance and paid monthly

NOTE: Rates are subject to change without notice at any time.

Service fees
  • Service fees are effective October 2020
  • Service fees reflect per-item charges
  • Service fees vary depending on account type
  • Service fees are subject to change without notice at any time. For more information visit your nearest branch or contact us.
U.S. and Foreign Exchange

Our foreign exchange service allows you to buy and sell Canadian and U.S. dollars.

These U.S. exchange rates apply to cash, cheque and Money Wire Transfers only. Travelex Draft requests must be processed in branch as the rate is booked with Travelex at the time of sale.


Foreign Exchange Rates (Rates effective 2020-12-01) Buying Selling
United States Dollar ($0 - $24,999)* 1.3163 1.2763
United States Dollar ($25,000 - $49,999) 1.3138 1.2788
United States Dollar ($50,000 - $99,999) 1.3113 1.2813
United States Dollar ($100,000 - $499,999)** 1.3088 1.2838

*All cross currency transfers through online or mobile banking are processed at the base tier ($0 - $24,999) rate. Tiered rates for transfers greater than $25,000 are only available in-branch.

**For requests of $500,000 USD and over or to place an order for other currencies, visit your nearest branch or call us at 204.958.8588 or toll-free 1.877.958.8588.

NOTE: Rates are subject to change without notice at any time.

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