Rates 
Chequing & Savings


Interest Bearing Chequing and USD Account 

Rates

$0 - $4,999    0.05%
$5,000 - $24,999 0.05%
$25,000 - $49,999 0.10%
$50,000 - $99,999 0.10%
$100,000 + 0.15%


Plan 24 Account  

 Rates

All Balances
0.10%


Fast Track High Interest Savings 

 Rates

All Balances
0.30%


Overdraft Rate


At Prairie Centre, we apply an overdraft rate of 12.50%.

This rate is applied to any members' accounts that are in overdraft.

Prairie Centre's approved Overdraft Protection Rate is 7.50%.

Rates effective 2021-08-30



Foreign Exchange
 

Buying

Selling

US Dollar Cash
1.2653
1.1989
US Dollar Cheque (under 1K)
1.2510
1.2240
United Kingdom (Pound) Cash
1.7538
1.6627
EURO Cash
1.4799
1.3909

Rates effective 2021-10-15

Foreign Exchange Calculator

Mortgages

Insured 1-5 Year 

Rates

Variable Mortgage  
3.00%
1 Year Insured Mortgage 
2.55%
2 Year Insured Mortgage
2.50%
3 Year Insured Mortgage
2.45%
4 Year Insured Mortgage
2.40%
5 Year Insured Mortgage
2.35%

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

Rates effective 2021-08-30

Mortgage Calculator

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 fee).

GIC Term Deposits

Non-Redeemable GIC Term Deposits 

Rates

12-23 Month GIC Term Deposit
0.45%
24-35 Month GIC Term Deposit 
0.55%
36-47 Month GIC Term Deposit  
0.70%
48-59 Month GIC Term Deposit 
0.80%
60 Month GIC Term Deposit 
0.90%
For investments between $1,000 and $99,999

Rates effective 2021-09-15
                           
                           
                                 


RRSPs

RRSP's

Rates

12 - 23 Months 0.45%
24 - 35 Months
0.55%
36 - 47 Months
0.70%
48 - 59 Months
0.80%
60 Months 
0.90%
Variable 
0.10%
For investments between $1,000 and $99,999
Rates effective 2021-09-15
Retirement Planning Calculator              
Service Fees
  • Balance inquiry by phone or mail $2
  • Balance of account transfer to another financial institution (excluding registered funds) $25
  • Bank confirmation $25
  • Bill payment trace $25
  • Certified cheques (member) $6.50
  • Drafts $8.50
  • Dormant account fee (>$50) $12/year
  • NSF returned $45
  • Overdraft notification $10
  • Records search $25/hour min charge of $5
  • Safety deposit box annual rental
    • Small $35 + GST
    • Medium $40 + GST
    • Large $60 + GST
    • X-Large $125 + GST
  • Safety deposit lost key $5.50 + cost of key
  • Safety deposit box - drill box/door replacement $125
  • Statement (branch print out) $5
  • Stop payment $10
  • Wire fee - incoming wire fee $20
  • Wire traces - $25
  • Wires - sent in foreign currency $50
  • Wires to Saskatchewan Credit Unions $8
  • Wires to non-Saskatchewan Credit Unions (excluding Quebec) $15
  • Wires to other Canadian financial institutions $30
  • Wires to US financial institution in Canadian funds $30
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