Ottawa Police Credit Union Internet banking

RATES AND FEES

Mortgage and Personal Loan Rates
Call us @ ext. 5431 for more info , or click here.

Merit Line	(Home Equity LOC)	Based on prime
Prime Rate of Interest			5.25
Line of Credit		From P+	2.00%
Over draft protection			15.00%
Car Loans Rates	Fixed	From	6.75
Mortgage 5yr			7.34
Car deals that offer 0% Interest rate may be no deal at all! Contact us BEFORE you sign! Contact Susan @ ext.: 5431 or email her at: sirvine@opcu.com

Demand Account Rates


Special Savings			0.25%
First Start Savings			0.25%
Golden Chequing/Savings
	1 to	1000	.0%
	1001 to	3000	0.00%
	3001 to	6000	0.15%
	6001 to	24000	0.25%
	24000	and up	0.50%
Member Savings			0.15%
Thinking about a vacation or a large purchase. Talk to us about payroll deduction. It's the easiest way to put money away for that rainy day.

Term Deposits


30 Day			2.30%
60 Day			2.30%
90 Day			2.35%
1 Year			3.25%
2 Year			3.35%
3 Year			3.45%
4 Year			3.55%
5 year			3.70%
Contact Joy Cook @ ext. 5807 or email her @ jcook@opcu.com.

RRSP/RRIF


Variable			1.00
1 Year			3.25%
18 Month			3.25%
2 Year			3.35%
3 Year			3.45%
4 Year			3.55%
5 Year			3.70%
Index-Linked Term Deposits are for investors looking for a deposit with a principal guarantee that offers the potential for a higher return than the return paid on a fixed rate deposit. Contact Joy Cook @ ext. 5807 or email her @ jcook@opcu.com

Service Fees


ATM deposits at a Ficanex Network ATM			No Fee
Transfer funds via telephone (Member initiated)			No Fee
Post dated cheque held for deposit			No Fee
Duplicate statement (per page)			No Fee
IVR/Internet Banking Access Fee			No Fee
Annual Membership Dues			$7.50
ATM withdrawal - Domestic			$1.00
ATM withdrawal (Ficanex Network)			$0.75
ATM withdrawal - International			$2.00
Point of Sale withdrawal			$0.45
Credit Union Draft/Cheque			$4.00
Utility Bill Payments			$1.00
Stop Payments Request			$6.00
Money Orders			$4.00
Registered Plan transferred out			$35.00
Counter Cheque			$2.00
Safety Deposit Boxes		$35.00	$45.00
Transfer CND to US			$1.00
Collection remittances			$15.00
Dormant account notice			$15.00
Dormant account yearly maintenance			$10.00
Foreign currency cheque written on a CDN account			$5.00
Cheque written on a savings account			$2.00
Record search (minimum $30.00)			$30.00 / Hour
Wire transfers incoming	$25.00 International		$15.00
Wire transfers outgoing	$40.00 International		$25.00
Estate preparation	($30.00 hour)minimum		$30.00
Clearing of non-micro/incorrect encoded items			$2.00
Coverdraft automatic transfer			$3.00
Coverdraft manual transfer			$4.00
Payment of NSF item per occurrence			$5.00
NSF Item			$25.00
Certified Cheque (member)			$6.00
Certified Cheque (non-member)			$10.00
TelPay Services:		(Over The Counter)
Standard Bill Payment:		(Non Banking Access)	$1.50
Funds Transfer:		(Person to Person)	$3.00
Payment with details & bank account info			$4.00
Payment with details without bank account info			$5.00