Email: credit_union@tcenergy.com

TransCanada Credit Union Ltd.

TransCanada Credit Union Ltd.TransCanada Credit Union Ltd.TransCanada Credit Union Ltd.

TransCanada Credit Union Ltd.

TransCanada Credit Union Ltd.TransCanada Credit Union Ltd.TransCanada Credit Union Ltd.
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Email: credit_union@tcenergy.com


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Rates

Mortgage Rates

1 Year Closed Fixed Rate

From 5.09%

20/20 Prepayable

2 Year Closed Fixed Rate

From 5.19%

20/20 Prepayable

3 Year Closed Fixed Rate

From 5.19%

20/20 Prepayable

4 Year Closed Fixed Rate

From 5.29%

20/20 Prepayable

5 Year Closed Fixed Rate

From 5.29%

20/20 Prepayable

5 Year Closed Variable Rate Mortgage

Prime less 0.75%

20/20 Prepayable - Current prime is 4.70%* (effective 14 July 2022)

20/20 Repayment Privileges

  

1. In any calendar year, the Mortgagor(s) shall have the right, from time to time, to prepay amounts totaling not more than 20% of the original Principal Amount of this Mortgage, without notice or bonus. This privilege is not cumulative. 2. The Mortgagor(s) shall have the privilege, once in any calendar year, of increasing the amount of the monthly payment by not more than 20% of the amount of the monthly payment then payable under the Mortgage. This privilege is not cumulative.


Savings Accounts

Savings account interest is declared by the Board of Directors and paid on a monthly basis and is based on the lowest balance of the account during the preceding month * Please note that savings account rates are subject to change without notice.

Balances over $10,000

1.25%

A rate of 1.00% was paid to savings accounts with balances over $10,000 on 31 July 2022

Balances below $10,000

0.75%

A rate of 0.50% was paid to savings accounts with balances below $10,000 on 30 July 2022


GIC/RRSP Rates

GIC/RRSP interest is payable annually or at maturity

5 Year Fixed Rate

4.75%

Non redeemable

4 Year Fixed Rate

4.65%

Non redeemable

3 Year Fixed Rate

4.45%

Non redeemable

2 Year Fixed Rate

4.25%

Non redeemable

1 Year Fixed Rate

3.85%

Non redeemable

Less than 1 Year

Call for details

Non Redeemable

3 Year Escalator GIC

3.20% 3.60% 4.00%

Redeemable on each anniversary, without penalty, this product provides flexibility but with an increasing rate should it be 'rolled over'. Call for further details. 


Loan Rates

All rates are subject to qualification - conditions apply

Variable Rate Consumer Loans

From Prime +3.50%

Fixed Rate Consumer Loans

From 3.99%

Unsecured Lines of Credit

From Prime +4.00%

Home Equity Line of Credit

From Prime +0.50%

RRSP Loans and Demand Loan

Call for details

Interest rates can change at any time - *CURRENT PRIME RATE IS 4.70% (effective 14 July 2022)

Copyright © 2018 TransCanada Credit Union Ltd. - All Rights Reserved.

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