NWCU Current Rates

Effective January 18, 2018

Click here to download a PDF document for NWCU Business and Personal Banking Rates

CHEQUING

Regular Chequing 0.00%



Premium Chequing
$0 - $999.99 0.00%
$1,000.00 - $4,999.99 0.05%
$5,000.00 - $9,999.99 0.05%
$10,000.00 - $24,999.99 0.10%
$25,000.00 + 0.15%



Golden Chequing
$0 - $999.99 0.00%
$1,000.00 - $4,999.99 0.05%
$5,000.00 - $9,999.99 0.05%
$10,000.00 - $24,999.99 0.10%
$25,000.00 + 0.15%



SAVINGS

Savings Type
Insured Savings 0.00%
Regular Savings 0.10%
Plan 24 Savings 0.10%
Tax Savings 0.10%
Fat Cat & Headstart Savings 0.25%
Lawyers Trust 0.10%



Premium Savings
$0 - $4,999.99 0.10%
$5,000.00 - $9,999.99 0.20%
$10,000.00 - $49,999.99 0.25%
$50,000.00 + 0.75%



INVESTMENTS

Short Term GIC's*
30 - 59 Days 0.00%
60 - 89 Days 0.00%
90 - 179 Days 0.00%
180 - 364 Days 0.00%
* Please check back later  

 

Long Term GIC's*
12 Months 2.40%
24 Months 2.60%
36 Months 2.70%
48 Months 2.90%
60 Months 3.10%
* less than $1,000 will be discounted 0.50%  



RRSP/ RRIF/ TFSA Investments*
RRSP & RRIF - Variable 1.25%
RRSP & RRIF - 12 Months 2.40%
RRSP & RRIF - 24 Months 2.60%
RRSP & RRIF - 36 Months 2.70%
RRSP & RRIF - 48 Months 2.90%
RRSP & RRIF - 60 Months 3.10%

* RRSP min. $1,000; RRIF min. $5,000;
   any amount less will be discounted by 0.50%

US ACCOUNTS

US Savings - Min Balance $100
$100 - $2,999.99 0.05%
$3,000.00 - $4,999.99 0.10%
$5,000.00 - $9,999.99 0.10%
$10,000 + 0.15%

 

SPECIALS

ESCALATOR GIC/RRSP/RRIF/TFSA*
1st Year 2.05%
2nd Year 2.35%
3rd Year 2.65%
4th Year 3.25%
5th Year 4.05%

* redeemable on anniversary - min. $1,000

 GIC/RRSP/RRIF/TFSA Special*
30 months 2.80%
   

* minimum $1,000

 

Redeemable GIC/RRSP/RRIF/TFSA Special*
12 Months - redeemable after 30 days 1.75%
18 Months - redeemable after 90 days 1.85%

* minimum $1,000

LENDING RATES

Loan/Mortgage Rates
Variable Loan Rate 4.20%
Variable Consumer Mortgage Rate - VLR 4.20%
Comm. & Non-Owner Occupied Mortgages - VLR + 1.00% 5.20%



MORTGAGES

Residential Mortgages (owner occupied) - Best Rate
5 Year Variable closed mortgage 3.95%
Variable Consumer Mortgage Rate - VLR 4.20%
6 Month Term 3.39%
12 Month Term 3.19%
24 Month Term 3.29%
36 Month Term 3.39%
48 Month Term 3.49%
60 Month Term 3.59%



Commercial Mortgages (commercial & non-owner occupied) - Best Rate
12 Month Term 4.09%
24 Month Term 4.14%
36 Month Term 4.29%

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