Rates
| Prime Rate (Rates effective 2025-03-17) | Rates |
|---|---|
| Mosaik Credit Union Prime Rate | 4.95% |
| Short Term Deposits | Rates |
|---|---|
| HISA | 1.00% |
| TFSA Savings | 0.75% |
| RRSP, RRIF, RESP | 0.70% |
| Term Deposits - Non Reedeemable(RRSP, RRIF, TFSA, RESP) | Rates |
|---|---|
| One Year | 2.80% |
| 15 Months | 2.80% |
| Two Year | 2.75% |
| Three Year | 2.70% |
| Four Year | 2.85% |
| Five Year | 2.95% |
| Rate Climber - Redeemable on 3rd and 4th anniversary | Rates |
|---|---|
| 1 Year | 2.80% |
| 2 Years | 2.95% |
| 3 Years | 3.05% |
| 4 Years | 3.17% |
| 5 Years | 3.30% |
| Effective Yield | 3.25% |
| Business High Interest Electronic Savings | Rates |
|---|---|
| Less than $25,000 | 0.50% |
| Less than $250,000 | 0.75% |
| Less than $500,000 | 0.85% |
| Less than 1,000,000 | 0.95% |
| $1,000,000 and greater | 1.05% |
| First Mortgage Rates - Closed | Rates |
|---|---|
| 1 Year | 5.65% |
| 2 Year | 5.25% |
| 3 Year | 4.50% |
| 4 Year | 4.35% |
| 5 Year | 4.10% |
| 5 Year Term high ratio (CMHC insured) | 3.95% |
| Loans | Rates |
|---|---|
| New to 1 Year Old Secured | 5.25% |
| Secured Loans (incl cars) | 6.75% |
| Unsecured Loans - as low as | 9.50% |
| Overdraft Under 1000 dollars | 21.00% |
