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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)
1.3678
1.3147
 
*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
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
1.30
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
1.35
30-59 Days
2.20
60-89 Days
2.70
90-179 Days
2.90
180-269 Days
3.70
270-364 Days
3.90

GIC RATE SPECIAL Rate
26 Month
5.05


LONG TERM RATES  Rate
1 Year
4.95
2 Year
4.90
3 Year
4.80
4 Year
4.75
5 Year
4.75

 

RATE RISER SPECIAL Rate
1 Year  4.60
2 Year
4.70
3 Year
4.80
4 Year
4.90
5 Year
5.00

 

Investments (GIC, TFSA, RRSP, RRIF) - Redeemable* Rate
1 Year
3.30
* 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   Posted
Rate
Special
Rate
6 Month Open
 
9.25
9.25
1 Year Open
 
8.75
8.75
1 Year Fixed
 
6.09
6.09
2 Year Fixed
 
6.19
5.99
3 Year Fixed
 
6.29
5.89
4 Year Fixed
 
6.39
5.79
5 Year Fixed
 
6.49
5.59

 

MORTGAGE SPECIALS Rate
5 Year Hi Ratio
5.59
5 Year Conv. Closed
5.59

 

VARIABLE RATE MORTGAGES Rate
Variable Open
7.30

 

 
PRIME RATE Rate
HMECU Prime Rate
9.00
   
Merit Line Prime
8.15

 

 
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.