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Rates & Fees
We work hard to give you competitive rates and low fees so you can do more with your money.
Rates & Fees
We work hard to give you competitive rates and low fees so you can do more with your money.
MORTGAGES
LOANS & LINES
REGISTERED INVESTMENTS
TERM DEPOSITS
ACCOUNT INTEREST RATES
FOREIGN EXCHANGE
SERVICE FEES
| MORTGAGE SPECIALS ** | Rate |
|---|---|
| 3 Year Fixed Rate Mortgage |
4.29
|
| 5 Year Fixed Rate Mortgage |
4.39
|
| 3 Year Fixed Rate High Ratio Mortgage |
3.99
|
| 5 Year Fixed Rate High Ratio Mortgage |
4.09
|
| OPEN MORTGAGE TERMS | Rate |
|---|---|
| 1 Year Fixed Rate |
9.00
|
| CLOSED MORTGAGE TERMS | Rate |
|---|---|
| 1 Year Fixed Rate |
6.09
|
| 2 Year Fixed Rate |
5.69
|
| 3 Year Fixed Rate |
5.99
|
| 4 Year Fixed Rate |
5.99
|
| 5 Year Fixed Rate |
6.09
|
| 5 Year Variable Rate |
4.65
|
| BEST RATE MORTGAGE PROGRAM (CLOSED MORTGAGE) | Rate |
|---|---|
| First Year |
6.09
|
| Maximum Rate |
6.89
|
All rates are subject to change without notice.
** Rates are subject to change without notice at any time. Offer may change or be withdrawn at any time without notice. Other conditions and restrictions apply.
All applicants must meet Sudbury Credit Union Limited lending criteria. Special offers apply only to new mortgages of owner-occupied properties with an amortization of 25 years or less.
** Rates are subject to change without notice at any time. Offer may change or be withdrawn at any time without notice. Other conditions and restrictions apply.
All applicants must meet Sudbury Credit Union Limited lending criteria. Special offers apply only to new mortgages of owner-occupied properties with an amortization of 25 years or less.
Loans & Lines of Credit
| VEHICLE FINANCING SPECIALS - FIXED RATE* | Rate |
|---|---|
| 3 Years starting at |
4.99
|
| 4 Years starting at |
5.19
|
| 5 Years starting at |
5.49
|
| 6 Years starting at |
6.29
|
| 7 Years starting at |
6.49
|
| LOANS AND LINES OF CREDIT | Rate |
|---|---|
| ESP - Student Loan |
6.00
|
| ESL - Student Line |
6.00
|
| Overdraft Protection |
21.00
|
| Unauthorized Overdrafts |
24.00
|
| Line of Credit starting at |
5.95
|
| MeritLine - Home Equity Line of Credit starting at |
5.45
|
| Vehicle Financing starting at |
4.95
|
| Investment Loan starting at |
4.95
|
| Loans Secured by Deposit (up to 5 years) |
4.99
|
All rates are subject to change without notice.
*Rate subject to change without notice. On approved credit (OAC). Financing for 3, 4 or 5 year terms applicable to model years 2021 or newer. Financing for 6 or 7 year terms applicable to model years 2022 or newer.
*Rate subject to change without notice. On approved credit (OAC). Financing for 3, 4 or 5 year terms applicable to model years 2021 or newer. Financing for 6 or 7 year terms applicable to model years 2022 or newer.
Registered Investments
Available for RRSPs, RRIFs and TFSAs
| INVESTMENT SPECIALS* | Rate |
|---|---|
| 16 Month Investment |
3.00
|
| 30 Month Investment |
3.10
|
| 50 Month Investment |
3.20
|
| NON-REDEEMABLE TERM DEPOSITS* | Rate |
|---|---|
| 32-89 Days |
2.50
|
| 90 - 179 Days |
2.50
|
| 180-364 Days |
2.50
|
| 1 Year |
2.70
|
| 2 Year |
2.75
|
| 3 Year |
2.75
|
| 4 Year |
2.75
|
| 5 Year |
2.90
|
RRSPs
| PREMIUM RRSP SAVINGS | Rate |
|---|---|
| Daily Savings RRSP Account |
0.50
|
RRIFs/LIFs
| PREMIUM RRIF/LIF SAVINGS | Rate |
|---|---|
| Daily Savings RRIF/LIF Account |
0.50
|
TFSA
| TAX FREE SAVINGS ACCOUNT | Rate |
|---|---|
| Daily Savings TFSA |
1.00
|
FHSA
| FIRST HOME SAVINGS ACCOUNT | Rate |
|---|---|
| Daily Savings FHSA |
1.00
|
RESPs
Contact an advisor for current rates.
All rates are subject to change without notice.
* Rates are subject to change without notice. The promotional rate is offered to a maximum balance of $500,000
* Rates are subject to change without notice. The promotional rate is offered to a maximum balance of $500,000
Term Deposits
| INVESTMENT SPECIALS* | Rate |
|---|---|
| 16 Month Investment |
3.00
|
| 30 Month Investment |
3.10
|
| 50 Month Investment |
3.20
|
| REDEEMABLE TERM DEPOSITS* | Rate |
|---|---|
| 1 Year |
2.25
|
| NON-REDEEMABLE TERM DEPOSITS* | Rate |
|---|---|
| 32-89 Days |
2.50
|
| 90 - 179 Days |
2.50
|
| 180-364 Days |
2.50
|
| 1 Year |
2.70
|
| 2 Year |
2.75
|
| 3 Year |
2.75
|
| 4 Year |
2.75
|
| 5 Year |
2.90
|
All rates are subject to change without notice.
* Minimum deposit $1,000
* Rates are subject to change without notice. The promotional rate is offered to a maximum balance of $500,000
* Minimum deposit $1,000
* Rates are subject to change without notice. The promotional rate is offered to a maximum balance of $500,000
Account Interest Rates
| PERSONAL 1 ACCOUNT* | Rate |
|---|---|
| $5,000+ |
0.10
|
| Golden accounts above $25,000* |
0.20
|
| PLAN 24 SAVINGS* | Rate |
|---|---|
| $0 - $24,999 |
0.10
|
| $25,000 - $74,999 |
0.20
|
| $75,000 + |
0.30
|
| BUSINESS PACKAGES*¹ | Rate |
|---|---|
| $25,000 + |
0.05
|
| BUSINESS COMMUNITY GROWTH ACCOUNT* | Rate |
|---|---|
| $0 - $49,999 |
0.60
|
| $50,000 - $99,999 |
0.60
|
| $100,000+ |
0.60
|
| US DOLLAR ACCOUNT* | Rate |
|---|---|
| $5,000 + |
0.05
|
* Rates are tiered and subject to change without notice.
¹ Applicable to Business Basics, Business Essentials, Business Advantage, Business Summit.
¹ Applicable to Business Basics, Business Essentials, Business Advantage, Business Summit.
Foreign Exchange
| Foreign Exchange Rates | Buy Rate | Sell Rate |
|---|---|---|
| United States (Dollar) |
1.4056
|
1.3456
|
Buy: is the rate for members to buy currency and pay in Canadian dollars.
Sell: is the rate for members to sell currency and receive in Canadian dollars.
Foreign exchange rates shown are as of 10:00am each business day and are for informational purposes only. Rates are subject to change without notice throughout the day. For amounts over $50,000, please call or visit a branch.
Foreign Currency Service Notice
As of August 22, 2025, our foreign currency service for all currencies other than U.S. dollar, will be temporarily unavailable until further notice. An update will be provided by September 15, 2025. We apologize for the inconvenience.
Connect with us
We’re Sudbury’s credit union. We began here in Copper Cliff in 1951 and we’re still here, only now we’re all over Greater Sudbury. Founded on the principle of people helping people, we’re community minded, just like you.
Sudbury Credit Union
