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Foreign Exchange Rates
(Effective Nov. 28, 2025)
| Buying | Selling | |
|---|---|---|
| United States Dollar/Cheque | 1.4197 |
1.3797
|
| US Wires | 1.4197 | 1.3797 |
|
US Money Orders and Drafts
|
1.4197 | 1.3797 |
| Sterling Cash | 1.8938 | 1.8088 |
| Sterling Cheques | 1.8938 | 1.8088 |
| Euro Cheques |
1.6633
|
1.5783
|
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 | Posted Rates | Potential Profit Share Rate |
| 1 Year | 5.99% | 4.49% |
| 2 Year | 5.99% | 4.49% |
| 3 Year | 5.25% | 3.93% |
| 4 Year | 4.99% | 3.74% |
| 5 Year | 4.99% | 3.74% |
| 5 YEAR SPECIAL Rate* | 4.75% | 3.56% |
Call your local branch for more special rates!
* rates and conditions are subject to change without notice.
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.
Short Term - Non-Redeemable
(Effective Nov. 26, 2025)
| Term | Posted Rates | Potential Profit Share Rates |
| 30 Day | 1.75% | 2.18% |
| 90 Day | 2.00% | 2.50% |
| 180 Day | 2.25% | 2.81% |
-
1 Yr Term - Redeemable
(Effective Jan. 11, 2024)
| Term | Posted Rates | Potential Profit Share Effect |
| 1 Year | 2.00% | 2.50% |
-
Sprout - Youth Account
(Effective Nov. 26, 2025)
| Term | Posted Rates | Potential Profit Share Effect |
| 1 Year | 2.85% | 3.56% |
-
Long Term - Non-Redeemable
(Effective Nov. 26, 2025)
| Term | Posted Rates | Potential Profit Share Effect |
| 1 Year | 2.60% | 3.25% |
| 2 Year | 2.75% | 3.43% |
| 3 Year | 2.75% | 3.43% |
| 4 Year | 2.75% | 3.43% |
| 5 Year | 3.10% | 3.87% |
-
Escalator GIC - 3 Year*
(Effective May 23, 2025)
| Term | Posted Rates | Potential Profit Share Effect |
| 1 Year | 2.50% | 3.12% |
| 2 Year | 2.75% | 3.43% |
| 3 Year | 3.00% | 3.75% |
| 3 Year Average | 2.75% | 3.43% |
-
Escalator GIC - 5 Year*
(Effective May 23, 2025)
| Term | Posted Rates | Potential Profit Share Effect |
| 1 Year | 2.50% | 3.12% |
| 2 Year | 2.75% |
3.43% |
| 3 Year | 3.00% | 3.75% |
|
4 Year
|
3.00% | 3.75% |
| 5 Year | 3.50% | 4.37% |
| 5 Year Average | 2.95% | 3.68% |
* 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.
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.
Redeemable
RRSP Savings
(Effective Nov. 26, 2025)
| Posted Rates | Potential Profit Share Effect | |
| RRSP Savings | 0.25% | 0.37% |
-
RRSP - Long Term
(Effective Jan. 11, 2024)
| Term |
Posted Rates |
Potential Profit Share Effect |
| 1 Year | 2.00% | 2.50% |
-
Non-Redeemable
RRSP - Long Term
(Effective Nov. 26, 2025)
| Term | Posted Rates | Potential Profit Share Effect |
|
1 Year
|
2.60% | 3.25% |
| 2 Year | 2.75% | 3.43% |
| 3 Year | 2.75% | 3.43% |
| 4 Year | 2.75% | 3.43% |
| 5 Year | 3.10% | 3.87% |
-
Escalator RRSP - 3 Year*
(Effective May 23, 2025)
| Term |
Posted Rates | Potential Profit Share Effect |
| 1 Year | 2.50% | 3.12% |
| 2 Year | 2.75% | 3.43% |
| 3 Year | 3.00% | 3.75% |
| 3 Year Average | 2.75% | 3.43% |
Escalator RRSP - 5 Year*
(Effective May 23, 2025)
| Term | Posted Rates | Potential Profit Share Effect |
| 1 Year | 2.50% | 3.12% |
| 2 Year | 2.75% | 3.43% |
| 3 Year | 3.00% | 3.75% |
| 4 Year | 3.00% | 3.75% |
| 5 Year | 3.50% | 4.37% |
| 5 Year Average | 2.95% | 3.68% |
* 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.
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.
Redeemable
RRIF Savings
(Effective Nov. 26, 2025)
| Posted Rates | Potential Profit Share Effect | |
| RRIF Savings | 0.25% | 0.37% |
-
1 Yr RRIF
(Effective Jan. 11, 2024)
| Term |
Posted Rates | Potential Profit Share Effect |
| 1 Year | 2.00% | 2.50% |
-
Non-Redeemable
RRIF - Long Term
(Effective Nov. 26, 2025)
| Term | Posted Rates | Potential Profit Share Effect |
| 1 Year | 2.60% | 3.25% |
| 2 Year | 2.75% | 3.43% |
| 3 Year | 2.75% | 3.43% |
| 4 Year | 2.75% | 3.43% |
| 5 Year | 3.10% | 3.87% |
Escalator RRIF - 3 Year *
(Effective May 23, 2025)
| Term | Posted Rates | Potential Profit Share Effect |
| 1 Year | 2.50% | 3.12% |
| 2 Year | 2.75% | 3.43% |
| 3 Year | 3.00% | 3.75% |
| 3 Year Average | 2.75% | 3.43% |
Escalator - 5 Year *
(Effective May 23, 2025)
| Term | Posted Rates | Potential Profit Share Effect |
| 1 Year | 2.50% | 3.12% |
| 2 Year | 2.75% | 3.43% |
| 3 Year | 3.00% | 3.75% |
| 4 Year | 3.00% | 3.75% |
| 5 Year | 3.50% | 4.37% |
| 5 Year average | 2.95% | 3.68% |
* 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.
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.
Redeemable
TFSA Savings
(Effective Nov. 26, 2025)
| Posted Rates | Potential Profit Share Effect | |
| TFSA Savings | 0.25% | 0.37% |
-
TFSA Redeemable
(Effective Jan. 11, 2024)
| Term | Posted Rates | Potential Profit Share effect |
| 1 Year | 2.00% | 2.50% |
-
Non-Redeemable
TFSA - Long Term
(Effective Nov. 26, 2025)
| Term | Posted Rates | Potential Profit Share Effect |
| 1 Year | 2.60% | 3.25% |
| 2 Year | 2.75% | 3.43% |
| 3 Year | 2.75% | 3.43% |
| 4 Year | 2.75% | 3.43% |
| 5 Year | 3.10% | 3.87% |
-
Escalator TFSA - 3 Year*
(Effective May 23, 2025)
| Term | Posted Rates | Potential Profit Share Effect |
| 1 Year | 2.50% | 3.12% |
| 2 Year | 2.75% | 3.43% |
|
3 Year
|
3.00% | 3.75% |
|
3 Year Average
|
2.75% | 3.43% |
Escalator TFSA - 5 Year*
(Effective May 23, 2025)
| Term | Posted Rates | Potential Profit Share Effect |
| 1 Year | 2.50% | 3.12% |
| 2 Year | 2.75% | 3.43% |
| 3 Year | 3.00% | 3.75% |
| 4 Year | 3.00% | 3.75% |
| 5 Year | 3.50% | 4.37% |
| 5 Year Average | 2.95% | 3.68% |
* 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.
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.
Redeemable
FHSA
(Effective May 23, 2025)
| Term | Posted Rates | Potential Profit Share Effect |
| 1 Year | 2.00% | 2.50% |
-
FHSA Savings
(Effective Nov. 26, 2025)
| Posted Rates | Potential Profit Share Effect | |
| FHSA Savings | 0.25% | 0.37% |
-
Non-Redeemable
FHSA
(Effective Nov. 26, 2025)
| Term |
Posted Rates | Potential Profit Share Effect |
| 1 Year | 2.60% | 3.25% |
| 2 Year | 2.75% | 3.43% |
| 3 Year | 2.75% | 3.43% |
| 4 Year | 2.75% | 3.43% |
| 5 Year | 3.10% | 3.87% |
-
Personal Accounts
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.
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.
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.
* rates are subject to change without notice.
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