Effective January 18, 2012
Click here to download a PDF document for NWCU Business and Personal Banking Rates
CHEQUING
| 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 |
0.05% |
| Regular Savings | 0.15% |
| Plan 24 Savings | 0.15% |
| Tax Savings | 0.15% |
| Fat Cat & Headstart Savings |
0.50% |
| Lawyers Trust |
0.10% |
| Premium Savings |
| $0 - $4,999.99 | 0.15% |
| $5,000.00 - $9,999.99 |
0.25% |
| $10,000.00 - $49,999.99 |
0.50% |
| $50,000.00 + |
0.75% |
INVESTMENTS
| Short Term GIC's* |
| 30 - 59 Days |
0.30% |
| 60 - 89 Days |
0.40% |
| 90 - 179 Days |
0.50% |
| 180 - 364 Days |
0.65% |
| * less than $5,000 will be discounted 0.50% |
|
| Long Term GIC's* |
| 12 Months |
2.00% |
| 24 Months |
2.35% |
| 36 Months |
2.60% |
| 48 Months |
2.85% |
| 60 Months |
3.10% |
| * less than $1,000 will be discounted 0.50% |
|
| RRSP/ RRIF/ TFSA Investments* |
| RRSP & RRIF - Variable |
1.00% |
| RRSP & RRIF - 12 Months |
2.05% |
| RRSP & RRIF - 24 Months |
2.40% |
| RRSP & RRIF - 36 Months |
2.65% |
| RRSP & RRIF - 48 Months |
2.90% |
| RRSP & RRIF - 60 Months |
3.15% |
* 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% |
| US Term Deposits - Min $5,000 |
| 30 - 179 Days |
0.10% |
| 180 - 364 days |
0.15% |
| 1 Year |
0.20% |
SPECIALS
| ESCALATOR GIC/ RRSP/ RRIF/ TFSA* |
| 1st Year |
1.85% |
| 2nd Year |
2.25% |
| 3rd Year |
2.65% |
| 4th Year |
2.95% |
| 5th Year |
6.00% |
* redeemable on anniversary - min. $1,000
| Redeemable GIC/RRSP/ RRIF/ TFSA Special |
| 12 Months - redeemable after 30 days* |
1.75% |
| 18 Months - redeemable after 90 days* |
1.95% |
* minimum $1,000
VARIABLE LENDING RATES
| Loan/Mortgage Rates |
| Variable Loan Rate |
3.50% |
| Variable Consumer Mortgage Rate - VLR + |
3.50% |
| Comm. & Non-Owner Occupied Mortgages - VLR + 1.00% |
4.50% |
MORTGAGES
| Residential Mortgages (owner occupied) - Best Rate |
| 5 Year Variable closed mortgage |
3.25% |
| 6 Month Term (Open) |
3.69% |
| 12 Month Term (Open) |
3.89% |
| 6 Month Term |
2.50% |
| 12 Month Term |
2.60% |
| 24 Month Term |
3.09% |
| 36 Month Term |
3.49% |
| 48 Month Term |
3.59% |
| 60 Month Term |
3.69% |
| Commercial Mortgages (commercial & non-owner occupied) - Best Rate |
| 12 Month Term |
4.29% |
| 24 Month Term |
4.79% |
| 36 Month Term |
4.99% |
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