Rates |
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Core Deposit Accounts  |
| Interest Bearing Operating Accounts |
| $ 0.00 to $ 1,499.99 |
0.050% |
| $ 1,500.00 to $ 4,999.99 |
0.050% |
| $ 5,000.00 to $ 14,999.99 |
0.050% |
| $ 15,000.00 to $ 24,999.99 |
0.100% |
| $ 25,000 and over |
0.100% |
|
| |
| US Dollar Accounts |
| Rate |
.150% |
|
| |
| Basic Savings Accounts |
| Rate |
.150% |
|
| |
| High Interest Savings Accounts |
| $ 0.00 to $ 49,999.99 |
0.900% |
| $ 50,000.00 to $ 99,999.99 |
1.150% |
| $ 100,000.00 to $ 249,999.99 |
1.150% |
| $ 250,000.00 to $ 499,999.99 |
1.150% |
| $ 500,000.00 to $ 999,999.99 |
1.150% |
| $ 1,000,000 and over |
1.150% |
|
| |
| Tax Free Savings Account - High Interest Savings |
| All Balances |
1.250% |
|
| |
| Tax Free Savings Account - Non-Redeemable |
| 12 Months |
1.250% |
| 24 Months |
1.700% |
| 36 Months |
2.100% |
| 48 Months |
2.400% |
| 60 months |
2.700% |
|
| |
| Consumer Mortgages |
| Open Variable |
| 5 Years |
Prime + 2.25 to 8.25 |
|
| |
| Closed Variable |
| 5 Years |
Prime + 0.25 to 7.25 |
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|
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| Closed Fixed |
| |
Regular |
Special |
| 6 Months |
4.650% |
|
| 1 Year |
3.400% |
|
| 2 Year |
3.650% |
|
| 3 Year |
4.200% |
|
| 4 Year |
5.140% |
|
| 5 Year |
5.490% |
4.090% |
| 7 Year |
6.550% |
5.000% |
| 10 Year |
6.700% |
5.290% |
|
| |
- AIR=APR
- AIR - Annual Interest Rate
- APR Annual Percentage Rate = Total cost of credit expressed as an annual percentage taking into account both interest and various non-interest finance charges.
- If there are no non-interest finance charges, the AIR and APR will be the same.
- Applicable to residential mortgages only and subject to Credit Union lending criteria for residential properties. Some conditions apply.
- Interest rate compounded semi-annually not in advance. Interest rates are subject to change without notice at any time.
|
| |
| Registered Investment Products |
| RESP |
| Variable |
0.900% |
| Fixed - 12 Months |
1.250% |
| Fixed - 24 Months |
1.700% |
| Fixed - 36 Months |
2.100% |
| Fixed - 48 Months |
2.400% |
| Fixed - 60 Months |
2.700% |
|
| |
| Non-Registered Investment Products |
| Variable Savings - Term |
| |
$0.00 - 999.99 |
$1,000.00 and Over |
| Variable Rate |
0.150% |
0.525% |
|
| |
| Redeemable - Tem 30-364 Day
|
| 30 Days |
0.150% |
| 60 Days |
0.250%
|
| 90 Days |
0.500%
|
| 180 Days |
0.500%
|
| 270 Days |
0.500% |
| 364 Days |
0.500%
|
|
| |
| Redeemable - Term 12-60 Month |
| 12 Months |
1.000% |
| 24 Months |
1.250% |
| 36 Months |
1.300% |
| 48 Months |
1.450% |
| 60 Months |
1.850% |
|
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| Non-Redeemable - Term 30-364 Day |
| 30 Days |
0.400% |
| 60 Days |
0.500% |
| 90 Days |
0.750% |
| 180 Days |
0.750% |
| 270 Days |
0.750% |
| 364 Days |
0.750% |
|
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| Non-Redeemable - Term 12-60 Month |
| 12 Months |
1.250% |
| 24 Months |
1.700% |
| 36 Months |
2.100% |
| 48 Months |
2.400% |
| 60 Months |
2.700% |
|
| |
| Non-Redeemable Interest Paid Monthly- Term |
| 12 Months |
1.050% |
| 24 Months |
1.500% |
| 36 Months |
1.900% |
| 48 Months |
2.200% |
| 60 Months |
2.500% |
|
| |
| Non-Redeemable Interest DEPOSITWISE - Term |
| 12 Months |
1.050% |
| 24 Months |
1.500% |
| 36 Months |
1.900% |
| 48 Months |
2.200% |
| 60 Months |
2.500% |
|
| |
| Registered Investment Products |
|
Non-Redeemable - RRSP
Non-Redeemable - RRIF |
| 12 Months |
1.250% |
| 24 Months |
1.700% |
| 36 Months |
2.100% |
| 48 Months |
2.400% |
| 60 Months |
2.700% |
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| |
| Sterling Exchange Rates |
Sterling
Rates as of September 8, 2010 |
| CASH |
If
you deposit Sterling cash to your
account, use the rate of |
1.5625% |
| If
you purchase Sterling cash from Innovation Credit
Union, use the rate of |
1.6703% |
|
| |
| Euro Exchange Rates |
Euro
Rates as of September 8, 2010 |
| CASH |
If
you deposit Euro cash to your
account, use the rate of |
1.2733% |
| If
you purchase Euro cash from Innovation Credit
Union, use the rate of |
1.3820% |
|
| |
US Exchange Rates |
US
Rates as of September 8, 2010 |
| CASH |
If
you deposit US cash to your
account, use the rate of |
1.0171% |
| If
you purchase US cash from Innovation Credit
Union, use the rate of |
1.0715% |
| CHEQUE |
If
you deposit US cheques, drafts, money orders, or travelers
cheques to your Innovation Credit Union account,
with the total amount... |
| |
...ranging
from $1 to $1,000, use the rate of |
1.0233% |
| |
...ranging
from $1,001 to $5,000, use the rate of |
1.0248% |
| |
...ranging
from $5,001 to $25,000, use the rate of |
1.0278% |
| |
...ranging
from $25,001 to $50,000, use the rate of |
1.0293% |
| |
...over
$50,000 please contact Innovation Credit Union. |
| |
|
| |
If
you purchase US drafts, money orders or travelers
cheques from Innovation Credit Union or if you transfer from your Canadian chequing account to your US chequing account, with the
total amount... |
| |
...ranging
from $1 to $1,000, use the rate of |
1.0593% |
| |
...ranging
from $1,001 to $5,000, use the rate of |
1.0578% |
| |
...ranging
from $5,001 to $25,000, use the rate of |
1.0548% |
| |
...ranging
from $25,001 to $50,000, use the rate of |
1.0533% |
| |
...over
$50,000 please contact Innovation Credit Union. |
|
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Overdraft Rate |
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