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Foreign Exchange Rates
(Effective Nov. 7, 2025)
| Buying | Selling | |
|---|---|---|
| United States Dollar/Cheque | 1.4268 |
1.3868
|
| US Wires | 1.4268 | 1.3868 |
|
US Money Orders and Drafts
|
1.4268 | 1.3868 |
| Sterling Cash | 1.8902 | 1.8052 |
| Sterling Cheques | 1.8902 | 1.8052 |
| Euro Cheques |
1.6700
|
1.5850
|
Product Rates
Mortgage rates
Our rates are market-competitive, and loans can be customized to meet your financial needs. Contact us to set up an appointment to determine which loan or mortgage is most suitable for you.
Mortgage Rates - Fixed
(Effective May 23, 2025)
| Term | Potential Profit Share Rate | Posted Rates |
| 1 Year | 4.49% | 5.99% |
| 2 Year | 4.49% | 5.99% |
| 3 Year | 3.93% | 5.25% |
| 4 Year | 3.74% | 4.99% |
| 5 Year | 3.74% | 4.99% |
| 5 YEAR SPECIAL Rate* | 3.56% | 4.75% |
Call your local branch for more special rates!
* rates and conditions are subject to change
Learn more about our Profit Share Effect!
Learn more
Term Deposit rates
Choose a term that’s redeemable to non-redeemable for your Term Deposit (also known as a GIC or Guaranteed Investment Certificate). Remember, your principal investment is 100% guaranteed with Vision Credit Union.
Escalator GIC - 3 Year*
(Effective May 23, 2025)
| Term | Potential Profit Share Effect | Posted Rates |
| 1 Year | 3.12% | 2.50% |
| 2 Year | 3.43% | 2.75% |
| 3 Year | 3.75% | 3.00% |
| 3 Year Average | 3.43% | 2.75% |
Escalator GIC - 5 Year*
(Effective May 23, 2025)
| Term | Potential Profit Share Effect | Posted Rates |
| 1 Year | 3.12% | 2.50% |
| 2 Year | 3.43% |
2.75% |
| 3 Year | 3.75% | 3.00% |
|
4 Year
|
3.75% | 3.00% |
| 5 Year | 4.37% | 3.50% |
| 5 Year Average | 3.68% | 2.95% |
* Escalator Products
3 Year Term - Rates guaranteed for each of the 3 years
- Redeemable annually on anniversary dates with 5 business days grace.
5 year Term - Rates guaranteed for each of the 5 years
- Redeemable annually on anniversary dates with 5 business days grace.
Short Term - Non Redeemable
(Effective Jan. 11, 2024)
| Term | Potential Profit Share Rates | Posted Rates |
| 30 Day | 2.50% | 2.00% |
| 90 Day | 2.81% | 2.25% |
| 180 Day | 3.12% | 2.50% |
Long Term - Non-Redeemable
(Effective Nov. 7, 2025)
| Term | Potential Profit Share Effect | Posted Rates |
| 1 Year | 3.37% | 2.70% |
| 2 Year | 3.43% | 2.75% |
| 3 Year | 3.43% | 2.75% |
| 4 Year | 3.43% | 2.75% |
| 5 Year | 3.87% | 3.10% |
Long Term - Redeemable
(Effective Jan. 11, 2024)
| Term | Potential Profit Share Effect | Posted Rates |
| 1 Year | 2.50% | 2.00% |
Sprout - Youth Account
(Effective Nov. 7, 2025)
| Term | Potential Profit Share Effect | Posted Rates |
| 1 Year | 3.68% | 2.95% |
Learn more about our Profit Share Effect!
Learn more
RRSP rates
Choose a term that’s redeemable to non-redeemable for your Registered Retirement Savings Plan (RRSP). Remember, your principal investment is 100% guaranteed with Vision Credit Union.
Escalator RRSP - 3 Year*
(Effective May 23, 2025)
| Term |
Potential Profit Share Effect | Posted Rates |
| 1 Year | 3.12% | 2.50% |
| 2 Year | 3.43% | 2.75% |
| 3 Year | 3.75% | 3.00% |
| 3 Year Average | 3.43% | 2.75% |
Escalator RRSP - 5 Year*
(Effective May 23, 2025)
| Term | Potential Profit Share Effect | Posted Rates |
| 1 Year | 3.12% | 2.50% |
| 2 Year | 3.43% | 2.75% |
| 3 Year | 3.75% | 3.00% |
| 4 Year | 3.75% | 3.00% |
| 5 Year | 4.37% | 3.50% |
| 5 Year Average | 3.68% | 2.95% |
* Escalator Products
3 Year Term - Rates guaranteed for each of the 3 years
- Redeemable annually on anniversary dates with 5 business days grace.
5 Year Term - Rates guaranteed for each of the 5 years
- Redeemable annually on anniversary dates with 5 business days grace.
Non-Redeemable
RRSP - Long Term
(Effective Nov. 7, 2025)
| Term | Potential Profit Share Effect | Posted Rates |
|
1 Year
|
3.37% | 2.70% |
| 2 Year | 3.43% | 2.75% |
| 3 Year | 3.43% | 2.75% |
| 4 Year | 3.43% | 2.75% |
| 5 Year | 3.87% | 3.10% |
Redeemable
RRSP Savings
(Effective Mar 10, 2021)
| Potential Profit Share Effect | Posted Rates | |
| RRSP Savings | 0.37% | 0.30% |
RRSP - Long Term
(Effective Jan. 11, 2024)
| Term |
Potential Profit Share Effect |
Posted Rates |
| 1 Year | 2.50% | 2.00% |
Learn more about our Profit Share Effect!
Learn more
RRIF rates
Choose a term that’s redeemable to non-redeemable for your Registered Retirement Income Fund (RRIF). Remember, your principal investment is 100% guaranteed with Vision Credit Union.
Escalator RRIF - 3 Year *
(Effective May 23, 2025)
| Term | Potential Profit Share Effect | Posted Rates |
| 1 Year | 3.12% | 2.50% |
| 2 Year | 3.43% | 2.75% |
| 3 Year | 3.75% | 3.00% |
| 3 Year Average | 3.43% | 2.75% |
Escalator - 5 Year *
(Effective May 23, 2025)
| Term | Potential Profit Share Effect | Posted Rates |
| 1 Year | 3.12% | 2.50% |
| 2 Year | 3.43% | 2.75% |
| 3 Year | 3.75% | 3.00% |
| 4 Year | 3.75% | 3.00% |
| 5 Year | 4.37% | 3.50% |
| 5 Year average | 3.68% | 2.95% |
* Escalator Products
3 Year Term - Rates guaranteed for each of the 3 years
- Redeemable annually on anniversary dates with 5 business days grace.
5 Year Term - Rates guaranteed for each of the 5 years
- Redeemable annually on anniversary dates with 5 business days grace.
Non-Redeemable
RRIF - Long Term
(Effective Nov. 7, 2025)
| Term | Potential Profit Share Effect | Posted Rates |
| 1 Year | 3.37% | 2.70% |
| 2 Year | 3.43% | 2.75% |
| 3 Year | 3.43% | 2.75% |
| 4 Year | 3.43% | 2.75% |
| 5 Year | 3.87% | 3.10% |
Redeemable
RRIF Savings
(Effective Mar 10, 2021)
| Potential Profit Share Effect |
Posted Rates | |
| RRIF Savings | 0.37% | 0.30% |
RRIF - Long Term
(Effective Jan. 11, 2024)
| Term |
Potential Profit Share Effect | Posted Rates |
| 1 Year | 2.50% | 2.00% |
TFSA rates
Choose a term that is redeemable or non-redeemable for your Tax-Free Savings Account (TFSA). Remember, your principal investment is 100% guaranteed with Vision Credit Union.
Escalator TFSA - 3 Year*
(Effective May 23, 2025)
| Term | Potential Profit Share Effect | Posted Rates |
| 1 Year | 3.12% | 2.50% |
| 2 Year | 3.43% | 2.75% |
|
3 Year
|
3.75% | 3.00% |
|
3 Year Average
|
3.43% | 2.75% |
Escalator TFSA - 5 Year*
(Effective May 23, 2025)
| Term | Potential Profit Share Effect | Posted Rates |
| 1 Year | 3.12% | 2.50% |
| 2 Year | 3.43% | 2.75% |
| 3 Year | 3.75% | 3.00% |
| 4 Year | 3.75% | 3.00% |
| 5 Year | 4.37% | 3.50% |
| 5 Year Average | 3.68% | 2.95% |
* Escalator Products
3 Year Term - Rates guaranteed for each of the 3 years
- Redeemable annually on anniversary dates with 5 business days grace.
5 year Term - Rates guaranteed for each of the 5 years
- Redeemable annually on anniversary dates with 5 business days grace.
Non-Redeemable
TFSA - Long Term
(Effective Nov. 7, 2025)
| Term | Potential Profit Share Effect | Posted Rates |
| 1 Year | 3.37% | 2.70% |
| 2 Year | 3.43% | 2.75% |
| 3 Year | 3.43% | 2.75% |
| 4 Year | 3.43% | 2.75% |
| 5 Year | 3.87% | 3.10% |
Redeemable
TFSA Savings
(Effective Mar 10, 2021)
| Potential Profit Share Effect | Posted Rates | |
| TFSA Savings | 0.37% | 0.30% |
TFSA Redeemable
(Effective Jan. 11, 2024)
| Term | Potential Profit Share effect | Posted Rates |
| 1 Year | 2.50% | 2.00% |
Learn more about our Profit Share Effect!
Learn more
First Home Savings Account rates
First Home Savings Accounts is a registered savings account for first-time home buyers to grow their savings tax-free for the purchase of their first home. An FHSA combines some features of an RRSP and TFSA and allows prospective first-time home buyers to contribute $8,000 per year to a maximum of $40,000 over 15 years.
FHSA - Non-Redeemable
(Effective Nov. 7, 2025)
| Term |
Potential Profit Share Effect | Posted Rates |
| 1 Year | 3.37% | 2.70% |
| 2 Year | 3.43% | 2.75% |
| 3 Year | 3.43% | 2.75% |
| 4 Year | 3.43% | 2.75% |
| 5 Year | 3.87% | 3.10% |
Redeemable
FHSA
(Effective May 23, 2025)
| Term | Potential Profit Share Effect | Posted Rates |
| 1 Year | 2.50% | 2.00% |
FHSA Savings
(Effective May 23, 2025)
| Potential Profit Share Effect | Posted Rates | |
| FHSA Savings | 0.37% | 0.30% |
Personal Accounts
High Interest Savings Account
Effective November 1, 2025
| Under $5,000 | Over $5,000 - $10,000 | Over $10,000 - $25,000 | Over $25,000 - $60,000 | Over $60,000 - $150,000 | Over $150.000 |
| 0.25% | 0.25% | .25% | 0.25% | 0.35% | 0.45% |
Rates are subject to change without notice.
Sprout Account
Effective Nov 1, 2025
| Sprout account | 0.40% |
Interest is calculated at the end of the day balance, daily.
Interest is paid into the account monthly, at month end.
Everyday Spending
| Product name | Under $5,000 | Over $5,000 |
| Everyday Premium | 0.00% | 0.05% |
| Advantage 60+ | 0.00% | 0.05% |
Interest is calculated at the end of the day balance, daily.
Interest is paid into the account monthly, at month end.
Everyday Savings
Effective Nov 1, 2025
| Product name | Under $25,000 | Over $25,000 |
| Everyday Savings | 0.15% | 0.25% |
There is no minimum balance required, interest is tiered.
Interest is calculated at the end of the day balance, daily.
Interest is paid into the account monthly, at month end.
Business and Agriculture Accounts
We offer an Ag and Business Everyday savings as well as an Ag and Business high interest savings to help your money work harder.
Business and AG Everyday Savings
| Product name | Under $25,000 | Over $25,000 |
| Business Everyday Savings | 0.15% | 0.25% |
| Ag Everyday Savings | 0.15% | 0.25% |
There is no minimum balance required, interest is tiered.
Interest is calculated at the end of the day balance, daily.
Interest is paid into the account monthly, at month end.
Business High Interest Savings Account
Effective November 1, 2025
| Under $25,000 | Over $25,000 - $100,000 | Over $100,000 - $250,000 | Over $250,000 - $1,00,000 | Over $1,000,000 |
| 0.25% | 0.50% | 0.75% | 1.00% | 1.25% |
Rates are subject to change without notice.
Agriculture High Interest Savings Account
Effective November 1, 2025
| Under $25,000 | Over $25,000 - $100,000 | Over $100,000 - $250,000 | Over $250,000 - $1,00,000 | Over $1,000,000 |
| 0.25% | 0.50% | 0.75% | 1.00% | 1.25% |
Rates are subject to change without notice.
AgrivInvest
| Product name | Fixed interest on all deposits |
| AgriInvest | 0.85% |
Interest is calculated at the end of the day balance, daily.
Interest is paid into the account monthly, at month end.
US Accounts
| Product name | Under $5,000 | Over $5,000 - $25,000 | Over $25,000 - $60,000 | Over $60,000 |
| USD Savings | 0.00% | 0.05% | 0.10% | 0.25% |
There is no minimum balance required, interest is tiered.
Interest is calculated at the end of the day balance, daily.
Interest is paid into the account monthly, at month end.
Vision Credit Union Prime Rate
(Effective Oct. 30, 2025)
| Rates | |
| Vision Credit Union Prime Rate | 4.45% |
Our Profit Share Effect*
Our Profit Share Effect*
As a member of Vision Credit Union, you are not only a member, you're an owner!
Member-owners share in our profits and have a voice in our Credit Union.
* Profit share effect is only an estimate using historical 10-year average profit share allocations. The profit share effect is not guaranteed. The profit share effect rates are the potential rate of return you could realize after profit share.
Profit Share Historical Allocation
| Year | Allocation %** |
| 2012 | 26.60% |
| 2013 | 30.00% |
| 2014 | 25.30% |
| 2015 | 25.00% |
| 2016 | 25.00% |
| 2017 | 25.00% |
| 2018 | 25.00% |
| 2019 | 25.00% |
| 2020 | 22.00% |
| 2021 | 25.00% |
| 2022 | 25.00% |
| 2022 | 25.00% |
| 2023 | 25.00% |
| 2024 | 25.00% |
| 2025 | 25.00% |
** Rates and Conditions are subject to change without notice