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Rates

personal loans | investments | mortgages | deposits

Rates Effective: April 10, 2014 (Rates Can Change Without Notice)
All Rates Shown are Per Annum
PRIME RATE : 3.00%

* Technical disruptions by our Web Site hosting supplier may prevent timely updating of this page. In the event of a discrepancy, in-branch posted interest rates are deemed to be the final posted interest rates.

PERSONAL LOAN RATES
    floating fixed
PURCHASE OF VEHICLE, New (Cars ,Trucks) PRIME + 0.50 3.50 4.00
PURCHASE OF VEHICLE, Used (Cars, Trucks) Purchase price or less PRIME + 2 5.00 5.50
PURCHASE OF RVS, TRAILERS,MOTORCYCLES Purchase price or less AS ABOVE - -
SECURED (100% OF LOAN VALUE) PRIME + 3 6.00 6.50
SECURED (50%- 99% OF LOAN VALUE) PRIME + 4.0 7.00 7.50
SECURED (Less than 50% of Loan Value) PRIME + 5.0 8.00 8.50
UNSECURED CONSUMER LOAN - ALL OTHER PRIME + 6.00 9.00 9.50
HOME EQUITY LINE OF CREDIT COLLATERAL MORTGAGE PRIME + .50 3.50 -
UNSECURED LINE OF CREDIT PRIME + 4.0 7.00 -
HOME SECURED (LOC) - CAVEAT PRIME + 1.00 4.00 -
STUDENT LOAN/LINE OF CREDIT PRIME + 1.00 4.00 -
INTERIM FINANCING (single credit request, no mortgage) PRIME + 7.00 10.00 -
INTERIM FINANCING (with new SECU mortgage) PRIME + 3.00% 6.00 -
RESP/RRSP/TFSA PURCHASE (12 Month Amortization) PRIME 3.00 -
RESP/RRSP/TFSA PURCHASE (36 Month Amortization)*** PRIME + 1.00 4.00 -
MUTUAL FUNDS PURCHASE (Non-Registered) ***(12 Month Amortization) PRIME 3.00 -
MUTUAL FUNDS PURCHASE (Non-Registered) ***(36 Month Amortization) PRIME + 1.00 4.00 -
*** Must be invested through Shell Credit Union
INVESTMENT RATES
TERM DEPOSITS, RRSP'S , RRIF'S, RESP'S, LIF'S, TFSA
• 1/4% bonus on deposits of $ 50,000 and over
• Non-registered term interest can be paid monthly to Alberta Plus
90 DAY TERM $500.00 Minimum - Redeemable @75% of term's current rate 0.80
180 DAY TERM $500.00 Minimum - Redeemable @75% of term's current rate 0.90
90 DAY RSP / RIF / RESP / LIF / TFSA $500.00 Minimum - NON-Redeemable 0.80
180 DAY RSP / RIF / RESP / LIF / TFSA $500.00 Minimum - NON-Redeemable 0.90
1 YEAR TERM $1000.00 Minimum - NON-Redeemable 1.25
2 YEAR TERM $1000.00 Minimum - NON-Redeemable 1.50
3 YEAR TERM $1000.00 Minimum - NON-Redeemable 2.05
4 YEAR TERM $1000.00 Minimum - NON-Redeemable 1.90
5 YEAR TERM $1000.00 Minimum - NON-Redeemable 2.65
5 YEAR REDEEMABLE TERM DEPOSIT / RRSP / RRIF / LIF $1000.00 Minimum Redeem up to 20% of original investment amount each year. A year is defined as the 12 month period following the purchase/anniversary date each year. Only one redemption allowed per year. 1.65
PERFORMANCE PRODUCTSPlease click here for up-to-date returns
MORTGAGE RATES
FIRST MORTGAGE 6 MONTH TERM OPEN / CONVERTIBLE 6.30
FIRST MORTGAGE 1 YEAR TERM OPEN / CONVERTIBLE 6.30
FIRST MORTGAGE 1 YEAR TERM 20 / 20 Prepayable 2.65
FIRST MORTGAGE 2 YEAR TERM 20 / 20 Prepayable 3.00
FIRST MORTGAGE 3 YEAR TERM 20 / 20 Prepayable 3.50
FIRST MORTGAGE 4 YEAR TERM 20 / 20 Prepayable 3.35
FIRST MORTGAGE 5 YEAR TERM 20 / 20 Prepayable 4.05
DEPOSIT RATES
ALBERTA PLUS ACCOUNT
Interest calculated on a minimum daily balance and paid monthly 0.65
VARIABLE , RRSP / RRIF / RESP / LIF / TFSA ACCOUNTS
Interest calculated on a minimum daily balance and paid quarterly 0.65
US $ Plus
$ UP TO $ 4,999 0.00
$ 5,000 TO $ 24,999 0.10
$25,000 PLUS 0.25