Rates And Fees

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Rates and Service Fees

Prime Rate (Rates effective 2020-03-31) Rates
SPARK The Energy Credit Union Prime Rate 2.45%
Mortgages (Rates effective 2020-04-28) Rates
3 Year Closed Variable 2.95%
5 Year Closed Variable 2.95%
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%
Registered Savings (Rates effective 2020-04-15)
RRSP Variable 0.20%
RRIF Variable 0.20%
RESP Variable 0.20%
LIRA or LIF Variable 0.20%
TFSA Variable 0.20%
Non-Registered, RRSP, TFSA, RRIF, and RESPs (Rates effective 2020-03-31) Rates
90 Day Non Redeemable 0.35%
180 Day Non Redeemable 0.50%
1 Year Non-Redeemable 0.85%
16 Month Non-Redeemable 0.90%
2 Year Non-Redeemable 1.00%
30 Month Non-Redeemable 1.05%
3 Year Non-Redeemable 1.15%
4 Year Non-Redeemable 1.20%
5 Year Non-Redeemable 1.30%
Redeemable Term Deposits (Rates effective 2020-03-31)
90 Day Redeemable Term 0.35%
180 Day Redeemable Term 0.50%
5 Year Redeemable Term 1.00%
CAD Savings (Rates effective 2020-04-15) Rates
Regular Savings 0.05%
Visions Youth Account 0.10%
Premium Savings 0.20%

Service Fee Schedule

All principal and interest is 100% guaranteed by the Credit Union Deposit Guarantee Corporation, excluding common shares, investment shares, and mutual funds. Click here to learn more about our deposit protection.

All rates and products are subject to change without notice.