Rates And Fees

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Rates and Service Fees

Prime Rate (Rates effective 2018-10-25) Rates
SPARK The Energy Credit Union Prime Rate 3.95%
Mortgages Rates
3 Year Closed Variable 3.45%
5 Year Closed Variable 3.45%
6 Month Fixed Open Mortgage 6.75%
1 Year Fixed Open Mortgage 6.35%
1 Year Fixed Closed Mortgage 3.54%
2 Year Fixed Closed Mortgage 3.65%
3 Year Fixed Closed Mortgage 3.75%
4 Year Fixed Closed Mortgage 3.85%
5 Year Fixed Closed Mortgage 2.99%
Non-Registered, RRSP, TFSA, RRIF, and RESPs Rates
90 Day Non Redeemable 0.60%
180 Day Non Redeemable 0.75%
1 Year Non-Redeemable 1.65%
16 Month Non-Redeemable *PROMOTION* 2.15%
2 Year Non-Redeemable 1.75%
30 Month Non-Redeemable 1.85%
3 Year Non-Redeemable 1.80%
4 Year Non-Redeemable 1.90%
5 Year Non-Redeemable 2.00%

Service Fee Schedule

Did You Know?

We offer a bonus of 0.25% on Term Deposits over $50,000! Switching your Term Deposits to SPARK is easy! Transfer $15,000 or more and we'll reimburse you up to $100.*
*Each transfer must have a minium value of $15,000.

For reimbursement, please send a copy of your statement from the transferring institution that shows the transfer charge to spark@sparkcu.ca, and indicate your SPARK account number.

Payment of transfer-out fees will be applied as a credit to each eligible account within 60 days of the receiving proof of charge.

Note: SPARK The Energy Credit Union reserves the right to restrict or revoke this offer at any time and is not responsible for any liability arising from, or in any way relating to, this offer or any restriction, revocation, or modification. This offer is void where prohibited by law.