Mortgages

Insured 1-5 Year (Rates effective 2018-01-22) Rates
Variable Mortgage 4.00%
1 Year Insured Mortgage 3.10%
2 Year Insured Mortgage 3.20%
3 Year Insured Mortgage 3.30%
4 Year Insured Mortgage 3.35%
5 Year Insured Mortgage 3.45%

*Interest rate compounded half-yearly not in advance. Interest rates are subject to change without notice at any time.

Rate (AIR):  Is the annual interest rate in the credit agreement. 

APR:  Is the total cost of credit expressed as an annual percentage and takes into account both interest and various non-interest finance charges.

If there are no non-interest finance charges, the APR and the Rate (AIR) will be the same. 

Applicable to residential mortgages only and subject to Credit Union lending criteria for residential properties.  Some conditions apply. 

FIXED RATE MORTGAGE EXAMPLE
3 Year Closed Term Rate = 2.90%
3 Year Closed Term APR* = 2.918%

*The annual percentage rate (APR) is based on a $250,000 mortgage and is a representative transaction for the applicable term with non-interest finance charges of ($125 application fees).  
 

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