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Rates

Below are today’s rates for mortgages, Term Deposits/GIC’s, and registered accounts. Do you want to secure one of the below rates? Call us at 250-495-6522, book an appointment online, or visit us at 8312 Main Street, Osoyoos.

Promotional Rates

Mortgage

4.29%

5 Year Fixed Closed, CMHC-Insured.

Mortgage

4.69%*

5 Year Fixed Closed. Final rate determined by application details and financial relationship with OCU.

Term Deposit

3.75%*

*One-year non-redeemable, interest compounded annually. Posted rate 3.50%.

Posted Rates

Prime Rate (5.95%)

Mortgage Rates

TermInterest Rate
6 or 12 Months fixed rate (open)8.99%
1 Year fixed rate (closed)6.19%
2 Year fixed rate (closed)5.79%
3 Year fixed rate (closed)4.79%
4 Year fixed rate (closed)4.79%
5 Year fixed rate (closed)4.79%
5 Year fixed rate (closed)-Insured4.29%
1 or 5 year variable rate (open)prime + .70%

Term Deposits - Non-Redeemable

Term Deposits – Non-Redeemable
TermInterest Rate
1 Year3.50%
18 Month3.40%
2 Year3.40%
3 Year3.00%
4 Year3.00%
5 Year3.00%

Term Deposits - Redeemable

Term Deposits – Redeemable
TermInterest Rate
12 Month Redeemable Term *2.75% (eligible for registered terms)
18 Month Redeemable Term **2.00% (eligible for registered terms)

* Cashable after 30 days

** Cashable on birthday of primary account holder and one year anniversary of initial deposit date

Term Deposits - Promotional

Redeemable

(eligible for registered products)

TermYear 1Year 2Year 3Year 4Year 5Average
3 year Escalator (Avg)*2.90%3.20%3.50%3.20%
5 year Escalator (Avg)**2.60%2.85%3.30%3.50%3.70%3.19%

*Cashable on the anniversary of initial deposit date.
**Cashable on the 1 year and 3 year anniversary of the initial deposit date.

Registered Product Rates

Registered Product Rates
TermRRSPRIFLIFTFSA
Variable0.50%0.50%0.50%0.50%
1 year3.50%3.50%3.50%3.50%
18 months3.40%3.40%3.40%3.40%
2 year3.40%3.40%3.40%3.40%
3 year3.00%3.00%3.00%3.00%
4 year3.00%3.00%3.00%3.00%
5 year3.00%3.00%3.00%3.00%

Savings Accounts

Savings Accounts
TermInterest Rate
Momentum0.50% Interest calculated daily paid monthly
Accelerator0.90% Interest paid monthly on closing daily balance

Chequing Deposit Rates

Chequing Deposit Rates
$0.00 – $4,9990.00%
$5,000 – $9,9990.00%
$10,000 – $24,9990.00%
$25,000 – $59,9990.00%
$60,000 and over0.00%
Chequing USD0.00%*

* Interest calculated on closing daily balance and paid monthly

Interest rates are provided for information purposes only and are subject to change without notice. For more information about OCU’s interest rates, please call 250-495-6522 or email contact@ocubc.com.