Posted rates are subject to change without notice and are for information purposes only.*
| Prime Rate
Rates Effective: 2025-01-10 |
Rate |
|---|---|
| Prime Rate |
5.20%
|
| Residential Mortgages | Rate |
|---|---|
| Five Year (Closed) |
6.50%
|
| Four Year (Closed) |
6.45%
|
| Three Year (Closed) |
6.68%
|
| Two Year (Closed) |
7.04%
|
| One Year (Closed) |
7.53%
|
| 6 Month (Open) |
9.88%
|
| GIC & Term Deposits Non-Redeemable (TFSA, RRSP, RRIF)
Rates Effective: 2025-01-08 |
Rate |
|---|---|
| 1 Year |
3.20%
|
| 2 Year |
3.20%
|
| 3 Year |
3.20%
|
| 4 Year |
3.25%
|
| 5 Year |
3.30%
|
| Term Deposits - Redeemable | Rate |
|---|---|
| 1 Year |
1.00%
|
| Variable RRSP | Rate |
|---|---|
| $1 - $5,000 |
0.50%
|
| $5,001 - $25,000 |
0.60%
|
| $25,001 - $50,000 |
0.70%
|
| $50,001 and over |
1.00%
|
| Tax Free Savings Account (TFSA) | Rate |
|---|---|
| $1 - $5,000 |
1.00%
|
| $5,001 and over |
1.25%
|
| High Interest Savings Account (HISA) | Rate |
|---|---|
| $1 - $5,000 |
1.00%
|
| $5,001 and over |
1.25%
|
| Kidsfirst Savings Account | Rate |
|---|---|
| Interest is calculated daily and paid monthly |
0.50%
|
| Savings Accounts | Rate |
|---|---|
| $0 - $5,000 |
0.50%
|
| $5,001 - $10,000 |
0.60%
|
| $10,001 - $25,000 |
0.70%
|
| $25,001 - $60,000 |
0.80%
|
| $60,001 - $100,000 |
0.90%
|
| $100,001 and over |
1.00%
|
| YOUR Chequing Account | Rate |
|---|---|
| $0 - $500 |
0.03%
|
| $501 - $1,000 |
0.04%
|
| $1,001 - $3,000 |
0.05%
|
| $3,001 - $5,000 |
0.08%
|
| $5,001 and over |
0.10%
|
| Headstart Chequing Account | Rate |
|---|---|
| $0 - $500 |
0.25%
|
| $501 - $1,000 |
0.30%
|
| $1,001 - $3,000 |
0.35%
|
| $3,001 - $5,000 |
0.40%
|
| $5,001 and over |
0.40%
|
| Business Savings Accounts | Rate |
|---|---|
| $0 - $5,000 |
0.50%
|
| $5,001 - $25,000 |
0.60%
|
| $25,001 - $100,000 |
0.70%
|
| $100,001 - $250,000 |
1.00%
|
| $250,001 and over |
1.10%
|
| AgriInvest | Rate |
|---|---|
| $0 - $5,000 |
0.05%
|
| $5,001 - $10,000 |
0.10%
|
| $10,001- $25,000 |
0.10%
|
| $25,001 - $100,000 |
0.50%
|
| $100,001 and over |
0.50%
|
Explore how different rates can shape your financial future with our easy tools.
Head Office Contact Information
Main Telephone Number: 902-538-4510 or Toll Free 1-866-990-4044
Valley Credit Union Limited 5682 Hwy 1, Waterville Nova Scotia B0P 1V0
Valley Credit Union Limited (Valley CU) is a member of the Nova Scotia Credit Union Deposit Insurance Corporation (CUDIC), which at $250,000, provides the highest deposit insurance protection in Nova Scotia, Canada. Mortgage License #3000173
© Copyright 2025 Valley Credit Union Ltd. All rights reserved. Serving members in the Nova Scotia Western Zone or Annapolis Valley Region, including but not limited to Annapolis County, Kings County, and Hantsport in West Hants County.
® / ™ Trademarks are owned by, or use is authorized by, the Canadian Credit Union Association and Atlantic Central.
