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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)
1.3904
1.3373
 
*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

 

SPECIAL SAVINGS Rate
Special Savings
0.05

 

INVESTOR SAVINGS Rate
Investor Savings - Less than $2,500
0.25
Investor Savings - $2,500 or Greater
0.60
EPAYDAY SAVINGS Rate
ePayday Savings
0.15

 

TFSA VARIABLE Rate
TFSA Variable
0.60

 

RRSP/RRIF VARIABLE Rate
RRSP/RRIF Variable - Less than $2,500
0.25
RRSP/RRIF Variable - $2,500 or Greater
0.60
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
0.10
30-59 Days
0.20
60-89 Days
0.30
90-179 Days
0.40
180-269 Days
0.45
280-364 Days
0.45

 

LONG TERM RATES  Rate
1 Year
3.65
2 Year
4.00
3 Year
4.50
4 Year
4.55
5 Year
4.70

 

RATE RISER SPECIAL Rate
1 Year  3.95
2 Year
4.25
3 Year
4.85
4 Year
4.85
5 Year
5.00

 

Investments (GIC, TFSA, RRSP, RRIF) - Redeemable* Rate
1 Year
2.10
* Redeemable/Cashable on 1 year term only, in whole or partially after 30 days with interest reimbursement. 1st 30 days 0% interest.
 
FIXED RATE MORTGAGES   Rate
6 Month Open
 
8.00
1 Year Open
 
7.50
1 Year Fixed
 
4.99
2 Year Fixed
 
5.24
3 Year Fixed
 
5.14
4 Year Fixed
 
5.34
5 Year Fixed
 
5.44

 

MORTGAGE SPECIALS Rate
3 Year Hi Ratio
5.14
3 Year Conv. Closed
5.14

 

VARIABLE RATE MORTGAGES Rate
Variable Open
6.05

 

 
PRIME RATE Rate
HMECU Prime Rate
7.75
   
Merit Line Prime
6.90

 

 
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.