RATES AND FEES
 
Mortgage and Personal Loan Rates

Call us @ ext. 5431 for more info , or click here.

Prime Rate of Interest 3.25
Merit Line (Home Equity LOC) Based on prime plus 1%
Line of Credit From P+ 3.25
Over draft protection 15.00%
Car Loans Rates Fixed From 6.75
Mortgage 5yr 3.79

Demand Account Rates
First Start Savings 0.15%
Special Savings 0.10%
Golden Chequing/Savings
1 to 1000 .0%
1001 to 3000 0.00%
3001 to 6000 0.15%
6001 to 24000 0.20%
24000 and up 0.30%
Member Savings 0.15%

Term Deposits
30 Day .50
60 Day .60
90 Day .70
1 Year .90
2 Year 1.60
3 Year 1.70
4 Year 1.90
5 year 2.30

RRSP/RRIF
Variable .25
1 Year .90
2 Year 1.60
3 Year 1.70
4 Year 1.90
5 Year 2.30

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 $7.75
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 10.00
Money Orders 5.00
Registered Plan transferred out $35.00
Counter Cheque $2.50
Safety Deposit Boxes $45.00 $55.00
Transfer CND to US $1.00
Collection remittances $20.00
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 $2.50
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 $2.50
Coverdraft automatic transfer $3.50
Coverdraft manual transfer $4.00
Payment of NSF item per occurrence $5.00
NSF Item $30.00
Certified Cheque (member) $10.00
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

Tax Free Savings Account
Tax Free Savings Account .25
Tax Free GIC 1yr 1.25
Tax Free GIC 3yrs 1.75

 
 
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