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HMECU Rates

Rates compounded annually. Rates are subject to change without notice. In the event of a discrepancy, rates posted in branches will prevail.

 
  Foreign Exchange Rates Buy Rate Sell Rate
United States (Dollar)
1.3996
 1.3465
 
*Rates are subject to change without notice. In the event of a discrepancy, rates posted in branches will prevail.
EVERYDAY OR BUSINESS SAVINGS Rate
Everday or Business Savings
0.05

 

INVESTOR SAVINGS Rate
Investor Savings - Less than $2,500
0.25
Investor Savings - $2,500 or Greater
1.30


EPAYDAY SAVINGS Rate
ePayday Savings
0.15

 

TFSA VARIABLE Rate
TFSA Variable
1.30

 

RRSP/RRIF VARIABLE Rate
RRSP/RRIF Variable - Less than $2,500
0.25
RRSP/RRIF Variable - $2,500 or Greater
0.95


USD SAVINGS Rate
USD Savings - $2,500 or Greater
0.10
 
Rates compounded annually. Rates are subject to change without notice. In the event of a discrepancy, rates posted in branches will prevail.
 

SHORT TERM RATES
Rate
Under 30 Days
1.30
30-59 Days
2.10
60-89 Days
2.25
90-179 Days
2.35
180-269 Days
2.45
270-364 Days
2.55

Elite GIC RATE SPECIAL Rate
13 Month
4.75


LONG TERM RATES  Rate
1 Year
4.50
2 Year
4.25
3 Year
4.05
4 Year
3.75
5 Year
3.75


Rate Riser Special Rate
1 Year 3.65
2 Year 3.75
3 Year 3.85
4 Year 3.95
5 Year 4.05

Investments (GIC, TFSA) - Redeemable* Rate
1 Year 3.25
* Redeemable/Cashable on 1 year term only, in whole or partially after 90 days with interest reimbursement. 1st 90 days 0% interest  
FIXED RATE MORTGAGES   Posted
Rate
Special
Rate
1 Year Open
 
9.50
 
1 Year Fixed
 
7.09
 
2 Year Fixed
 
6.99
 
3 Year Fixed
 
6.49
5.99
4 Year Fixed
 
6.29
 
5 Year Fixed
 
6.09
5.59

Mortgage Specials   Posted
Rate
Special
Rate
5 Year Fixed High Ratio 
 
5.99
5.29

*Must be CMHC or Sagen Insured

VARIABLE RATE MORTGAGES Rate
Variable Open
8.65

 

 
PRIME RATE Rate
HMECU Prime Rate
9.25
Merit Line Prime Rate              8.40
Overdraft Line of Credit Prime Rate
18.00

 

 
MASTERCARD® Rate
HMECU Collabria Cash Back MasterCard®
19.90
HMECU Collabria Travel Rewards Gold MasterCard®
19.90
HMECU Collabria US Dollar MasterCard®
19.90
HMECU Collabria Centra Gold Mastercard®
9.90
HMECU Collabria Classic MasterCard®
11.90
HMECU Collabria World MasterCard®
19.90
HMECU Collabria Low Rate Business MasterCard®
12.90
HMECU Collabria No Fee Cash Back Business MasterCard®
19.90
HMECU Collabria Platinum Business MasterCard®
19.90

 

Visit the HMECU Collabria Credit Card website ​for more information about each card.

*Rates are subject to change without notice.