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Rates

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

Featured Rates

Limited time offer! Unlock low mortgage rate with OCU’s bundle promotion. See offer details.

Mortgage

4.89%*

*5 Year Insured, Closed

Mortgage

4.97%*

*5 Year Closed, Bundle Rate, limited time offer.

Term Deposit

4.60%*

*One-year non-redeemable, interest compounded annually.

Prime Rate (6.95%)

Mortgage Rates

TermOpenClosed
6 or 12 Months8.99%
1 Year6.79%
2 Year6.29%
3 Year5.44%
4 Year5.29%
5 Year5.24%
5 Year Closed-Insured4.89%
Variableprime + .50%

Term Deposits - Non-Redeemable

Term Deposits – Non-Redeemable
TermInterest Rate
1 Year4.00%
18 Month
3.75%
2 Year3.75%
3 Year3.50%
4 Year3.50%
5 Year3.50%

Term Deposits - Redeemable

Term Deposits – Redeemable
TermInterest Rate
12 Month Redeemable Term *2.50% (eligible for registered terms)
18 Month Redeemable Term **1.50% (eligible for registered terms)

* Cashable after 30 days

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

Registered Product Rates

Registered Product Rates
TermRRSPRIFLIFTFSA
Variable0.50%0.50%0.50%0.50%
1 year4.00%4.00%4.00%4.00%
18 months3.75%3.75%3.75%3.75%
2 year3.75%3.75%3.75%3.75%
3 year3.50%3.50%3.50%3.50%
4 year3.50%3.50%3.50%3.50%
5 year3.50%3.50%3.50%3.50%

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.