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Rates

Personal Loans | Mortgages | Deposits

Rates Effective: August 24, 2010 (Rates Can Change Without Notice) All Rates Shown are Per Annum PRIME RATE : 2.75%

* 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
DEPOSIT SECURED Secured by Non- Registered Deposits only PRIME 2.75 3.75
PURCHASE OF VEHICLE (Cars, Trucks) Purchase price or less PRIME + 2.00 4.75 5.75
PURCHASE OF RVS, TRAILERS, MOTORCYCLES Purchase price or less PRIME + 2.50 5.25 6.25
SECURED (100% OF LOAN VALUE) PRIME + 3.00 5.75 7.50
SECURED (50%- 99% OF LOAN VALUE) PRIME + 3.50 6.25 7.75

UNSECURED LINE OF CREDIT

PRIME + 4.00

6.75

HOME SECURED LINE OF CREDIT - (LOC) COLLATERAL MTG SECURITY

HOME SECURED (LOC) - CAVEAT                             

PRIME

 

PRIME + 1.00

2.75

3.75

 

MUTUAL FUNDS PURCHASE (Non-Registered) ***

(12 Month Amortization)

PRIME 2.75  

STUDENT LOAN

PRIME + 1.00

3.75

RESP/RRSP/TFSA PURCHASE (12 Month Amortization) ***

PRIME +.50 3.25  

RESP/RRSP/TFSA PURCHASE

 (13 - 36 Month Amortization)***

PRIME + 1.00 3.75  
*** Must be invested through Shell Credit Union
INTERIM FINANCING 7.50
SINGLE PAYMENT LOANS(fixed rate only) 6.00 - 10.50
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MORTGAGE RATES
FIRST MORTGAGES SIX MONTH TERM
OPEN / CONVERTIBLE
6.45
  ONE YEAR TERM
OPEN / CONVERTIBLE
6.45
ONE YEAR TERM
20 / 20 Prepayable
2.90
TWO YEAR TERM
20 / 20 Prepayable
2.99
THREE YEAR TERM
20 / 20 Prepayable
3.75
FOUR YEAR TERM
20 / 20 Prepayable
3.89
FIVE YEAR TERM
20 / 20 Prepayable
3.99
FIVE YEAR TERM, VARIABLE
Prime + .50 

RENTAL PROPERTY

6 MO, 1,2,3,4,5 YEAR TERMS, FIXED RATE, .25% surcharge

FIRST MORTGAGES    
         
         
BUILDING LOT - 1ST MORTGAGE

ONE YEAR TERM - 20 / 20 Prepayable

ONE YEAR TERM - OPEN

          4.40

          7.45

       

*** CONVENTIONAL AND CMHC HIGH RATIO MORTGAGE FINANCING AVAILABLE ***

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DEPOSIT RATES
ALBERTA PLUS ACCOUNT
Interest calculated on a minimum daily balance and paid monthly 1.25
TIERED VARIABLE , RRSP / RRIF / RESP / LIF / TFSA ACCOUNTS

• calculated on a minimum daily balance

• PAID QUARTERLY
• $ UP TO $ 24,999.99 1.25
• $ 25,000.00 TO $ 49,999.99 1.30
• $ 50,000.00 PLUS 1.35
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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
 
INTEREST RATE
3 MONTH TERM $ 500.00 Minimum
Redeemable @ 75% of term's current rate
  1.25
6 MONTH TERM   1.25
3 MONTH RRSP / RRIF / RESP / LIF $ 500.00 Minimum
Non-Redeemable
  1.25
6 MONTH RRSP / RRIF / RESP / LIF $ 500.00 Minimum
Non-Redeemable
  1.25
1 YEAR TERM $ 1,000.00 Minimum
Non-Redeemable
  1.50
2 YEAR TERM $ 1,000.00 Minimum
Non-Redeemable
  2.25
3 YEAR TERM $ 1,000.00 Minimum
Non-Redeemable
  2.35
4 YEAR TERM $ 1,000.00 Minimum
Non-Redeemable
  2.50
5 YEAR TERM $ 1,000.00 Minimum
Non-Redeemable
  3.00
   
 

 

5 YEAR REDEEMABLE TERM DEPOSIT / RRSP / RRIF / LIF

REDEEM UP TO 20% OF THE 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

 2.50
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