Rates 
Check here for our current rates on everything from GIC Term Investments to Student Loans. Rates are updated regularly. 

  Prime Rate is 6.75%

Interest Bearing Chequing
and USD Account
Amount Rate
$0 - $4,999 0.10%
$5,000 - $24,999 0.20%
$25,000 - $49,999 0.20%
$50,000 - $99,999 0.30%
$100,000 + 0.40%


Plan 24 Savings Account
Amount Rate
All Balances 0.25%



Fast Track High Interest Savings Account*
Amount Rate
All Balances 1.50%

*TFSA Eligible


AgriInvest Account
Amount Rate
$0 - $49,999 0.25%
$50,000 + 1.50%




Variable Registered Savings Products (RRSP, RRIF, RESP) 
Amount Rate
All Balances 1.50%




Overdraft Rate

An overdraft rate of 16.75% applies.


Rates effective 2023-01-26
Our 5 Year and 3 Year Upgrader products are GICs that are RRSP, TFSA, and non-registered account eligible. They feature a rising interest rate each year, which is insured with Credit Union Deposit Guarantee Corporation (CUDGC). Click here to learn more!




5 Year Upgrader
Effective Rate = 5.00%
Year Rate
Year 1 2.60%
Year 2 3.50%
Year 3 5.00%
Year 4 6.50%
Year 5 7.50%



3 Year Upgrader
Effective Rate =4.40%
Year Rate
Year 1 2.60%
Year 2 4.20%
Year 3 6.50%


When profit is earned here, it stays here, and all of our members can benefit. Unlike traditional banks, Prairie Centre member-owners are rewarded by their belief in us through our Member Rewards program. This unique and inclusive program gives members instant access to reduced loan rates and increased deposit rates based on the level of participation with us, not account balances. Members are owners which makes it highly motivating for us to help you achieve financial success right here at home. You will notice that, because of our Member Rewards program, the below rates are shown as a range. To find the exact deposit or loan rate that applies to your level of participation with Prairie Centre, please contact your local branch and one of our friendly staff will be able to assist you. 




Non-Redeemable GIC Term Investments
$1,000 - $99,999 Aggregate
Length Rate
1 Year 3.95% - 4.45%
2 Year 4.01% - 4.51%
3 Year 3.80% - 4.30%
4 Year 3.73% - 4.23%
5 Year 3.93% - 4.43%


Non-Redeemable GIC Term Investments
$100,000 - $249,999 Aggregate
Length Rate
1 Year 4.10% - 4.60%
2 Year 4.16% - 4.66%
3 Year 3.95% - 4.45%
4 Year 3.88% - 4.38%
5 Year 4.08% - 4.58%


Non-Redeemable GIC Term Investments
$250,000 - $499,999 Aggregate
Length Rate
1 Year 4.25% - 4.75%
2 Year 4.31% - 4.81%
3 Year 4.10% - 4.60%
4 Year 4.03% - 4.53%
5 Year
4.23% - 4.73%



Non-Redeemable GIC Term Investments
$500,000+ Aggregate
Length Rate
1 Year 4.35% - 4.85%
2 Year 4.41% - 4.91%
3 Year 4.20% - 4.70%
4 Year 4.13% - 4.63%
5 Year 4.33% - 4.83%





Rates effective 2022-11-18

When profit is earned here, it stays here, and all of our members can benefit. Unlike traditional banks, Prairie Centre member-owners are rewarded by their belief in us through our Member Rewards program. This unique and inclusive program gives members instant access to reduced loan rates and increased deposit rates based on the level of participation with us, not account balances. Members are owners which makes it highly motivating for us to help you achieve financial success right here at home. You will notice that, because of factors like our Member Rewards program, the below rates are shown as a range. To find the exact deposit or loan rate that applies to you, please contact your local branch and one of our friendly staff will be able to assist you. 




Consumer Mortgages (Insured)
Type Rate
Variable 6.75% - 7.25%
1 Year 5.51% - 6.01%
2 Year 5.43% - 5.93%
3 Year 5.32% - 5.82%
4 Year 5.34% - 5.84%
5 Year 5.18% - 5.68%

Consumer Mortgages (Conventional)
Type Rate
Variable 6.75% - 7.25%
1 Year 5.51% - 6.01%
2 Year 5.43% - 5.93%
3 Year 5.32% - 5.82%
4 Year 5.34% - 5.84%
5 Year 5.18% - 5.68%

 
Agricultural Mortgages (Conventional)
Type Rate
Variable 7.25% - 9.25%
1 Year 5.76% - 7.41%
2 Year 5.68% - 7.33%
3 Year 5.57% - 7.22%
4 Year 5.59% - 7.24%
5 Year 5.43% - 7.08%


Commercial Mortgages (Conventional)
Type Rate
Variable 7.50% - 10.25%
1 Year 6.01% - 8.51%
2 Year 5.93% - 8.43%
3 Year 5.82% - 8.32%
4 Year 5.84% - 8.34%
5 Year 5.68% - 8.18%


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


Additional Information

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.




Rates effective 2023-01-26

When profit is earned here, it stays here, and all of our members can benefit. Unlike traditional banks, Prairie Centre member-owners are rewarded by their belief in us through our Member Rewards program. This unique and inclusive program gives members instant access to reduced loan rates and increased deposit rates based on the level of participation with us, not account balances. Members are owners which makes it highly motivating for us to help you achieve financial success right here at home. You will notice that, because of factors like our Member Rewards program, the below rates are shown as a range. To find the exact deposit or loan rate that applies to you, please contact your local branch and one of our friendly staff will be able to assist you. 




Consumer Loans
Length Rate
1 Year 6.26% - 8.26%
2 Year 6.18% - 8.18%
3 Year 6.07% - 8.07%
4 Year 6.09% - 8.09%
5 Year 5.93% - 7.93%



Commercial Loans
Length Rate
1 Year 6.51% - 8.51%
2 Year 6.43% - 8.43%
3 Year 6.32% - 8.32%
4 Year 6.34% - 8.34%
5 Year 6.18% - 8.18%



Agricultural Loans
Length Rate
1 Year 6.36% - 8.11%
2 Year 6.28% - 8.03%
3 Year 6.17% - 7.92%
4 Year 6.19% - 7.94%
5 Year 6.03% - 7.78%



Student Loans - Variable Rate
Type Rate
Enrollment period (interest only payments) + 6 month grace period 6.50% - 7.00%
During repayment 8.50% - 9.00%


Rates effective 2022-12-19

Buying

Selling

US Dollar Cash
1.3609
1.2897
US Dollar Cheque (under 1K)
1.3438
1.3168
United Kingdom (Pound) Cash
1.6938
1.6058
EURO Cash
1.4952
1.4053

Rates effective 2023-02-01



For other rates or to order currency, please contact your local branch.




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