EVERYONE LOVES A DEAL

Prepare your Last Will and Testament with unlimited updates for one year with a special deal for OPPA Credit Union Members

$39.96

This unique online program walks you through the process step by step.

EVERYONE LIKES TO SEE RATES – YOU’LL LOVE SEEING OURS!

RESP AWARD

Looking to start an RESP for your child, grandchild, niece or nephew? If you are a member of the OPPA Credit Union, and would like to start an RESP account for your child you are eligible to receive $100.00 to be deposited into your OPPA Credit Union RESP account to kick start your child’s future education.
Click here to learn more.

SCHOLARSHIP AWARDS

OPPA Credit Union supports you and your family through continued education. Do you have a child entering post secondary schooling? If so, you are eligible to apply for our Scholarship Awards.
Learn more here.
Apply here

US DOLLARS

FOREIGN EXCHANGE RATES

TO BUY

TO SELL

UPDATED

United States Dollar

1.4306

1.3706

November 28, 2025

PRIME RATES

PRIME RATES

POSTED RATE

OPPA Credit Union - Non Secured

5.45%

OPPA Credit Union Prime – Real Estate Secured

4.45%

*Updated Daily

MORTGAGES

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FIXED RATE OPEN MORTGAGE

RATE

6 Month

6.75%

FIXED RATE CLOSED MORTGAGES

POSTED RATE

AS LOW AS

6 months - Fixed Convertible

7.20%

6.20%

1 Year – as low as

7.24%

6.19%

2 Year – as low as

6.84%

5.59%

3 Year – as low as

6.50%

4.34%

4 Year – as low as

6.34%

4.89%

5 Year – as low as

6.39%

4.54%

VARIABLE MORTGAGE RATES

POSTED RATE

5 Year Variable Closed – as low as

3.95%

5 Year Variable Open – as low as

7.45%

HIGH RATIO FIXED MORTGAGE

POSTED RATE

AS LOW AS RATE

3 Year High Ratio Fixed Rate - as low as

4.39%

4.09%

5 Year High Ratio Fixed Rate - as low as

4.29%

4.14%

30 / 35 Year Amortizations Available

30 & 35 Year Amortizations Available - Please contact your Lending Specialist for details

LOANS

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BRIDGE LOAN

RATES

FEES

OPP Relocation with new mortgage

Prime + 1%

$400

OPP Relocation no mortgage

Prime + 3%

$500

Non Relocation with new mortgage

Prime + 2%

$500

Non Relocation no mortgage

Prime + 4%

$500

RRSP LOANS

RATES

As low as OPPA Credit Union Prime + 1.00%

5.70%

VEHICLE LOANS

RATES

INSURED

Model Years 2020 & older

5 Year Variable
9.20%

Model Years 2021 - 2023

5 Year Fixed
5.99%

5 Year Fixed
4.99%

Model Years 2024 - 2026

5 Year Fixed
5.79%

5 Year Fixed
4.79%

LINES OF CREDIT

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UNSECURED LINE OF CREDIT

RATE

OPPA Credit Union Non Secured as low as

10.20%

HOME EQUITY LINE OF CREDIT

RATE

OPPA Credit Union Home Equity LOC - Real Estate Secured - Prime +1%

5.70%

TERM DEPOSITS

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NON-REDEEMABLE TERM DEPOSITS

RATES

1 Year – As high as

2.90%

2 Year – As high as

3.00%

3 Year – As high as

3.10%

4 Year – As high as

3.20%

5 Year – As high as

3.35%

1 Year Redeemable

1.25%

RESP TERM DEPOSITS

RATES

1 Year – As high as

2.90%

2 Year – As high as

3.00%

3 Year – As high as

3.10%

4 Year – As high as

3.20%

5 Year – As high as

3.35%

RRSP TERM DEPOSITS

RATES

1 Year - As high as

2.90%

2 Year - As high as

3.00%

3 Year - As high as

3.10%

4 Year - As high as

3.20%

5 Year - As high as

3.35%

FLEX TERM DEPOSIT

RATES

1 Year RRSP Payroll Savings Plan

0.75%

VARIABLE RRSP

RATE

0.50%

PENSIONER'S PARKING ACCOUNT

RATES

1 Year

1.25%

RRIF TERM DEPOSITS

RATES

1 Year – As high as

2.90%

2 Year – As high as

3.00%

3 Year – As high as

3.10%

4 Year – As high as

3.20%

5 Year – As high as

3.35%

VARIABLE RRIF

RATE

0.50%

TFSAs

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TFSA SAVINGS ACCOUNT

RATES

High Interest Savings

0.75%

TFSA TERM DEPOSITS

RATES

1 Year – As high as

2.90%

2 Year – As high as

3.00%

3 Year – As high as

3.10%

4 Year – As high as

3.20%

5 Year – As high as

3.35%

FHSAs

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FHSA

RATES

First Time Home Buyer Savings Account

3.00%

CHEQUING ACCOUNTS

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ACCOUNT TYPE

FEATURES

FEES

Maxi

40 Free Debit Transactions
4 Free ATM withdrawals
1 book standard cheques
Free e-transfers

$10.25
Fee waived if minimum daily balance is $2500 or more

Inclusive

Unlimited Debit Transactions
Unlimited ATM withdrawals
1 book standard cheques
Free e-transfers

$14.95
Fee waived if minimum daily balance is $3500 or more

Senior/Student Maxi

20 Free DebitsTransactions
4 Free ATM withdrawals
1 book standard cheques
Free e-transfers

$5.00
Fee waived if minimum daily balance is Senior – $2500 Student – $1000

Senior/Student Inclusive

Unlimited Debit Transactions
Unlimited ATM withdrawals
1 book standard cheques
Free e-transfers

$7.50
Fee waived if minimum daily balance is Senior – $3500 Student – $1500

Basic

Pay as you go $1.00 per debit
Free e-transfers

Pay as you go

Current (Business)

20 Debit Transactions
Unlimited ATM withdrawals
Free e-transfers

$14.95

SAVINGS ACCOUNTS

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OPTIMUM SAVINGS ACCOUNT

RATES

All Balances

0.75%

9-1-1 Savings Account

RATES

OPEN

Series 13 - November 1, 2025 - January 31, 2026

TBD

Nov 1st - 7th

Series 12 - August 1, 2025 - October 31, 2025

1.15%

Aug 1st - 7th

Series 11 - May 1, 2025 - July 31, 2025

1.25%

May 1st - 7th

HIGH SPEED SAVINGS ACCOUNT (tiered by balance)

RATES

$ 0 – $ 75,000

.25%

$ 75,000 – $ 150,000

0.50%

Over $ 150,000

1.00%

PLAN 24 SAVINGS

RATES

$0 – $5,000

0.000%

$5,000 – $10,000

0.001%

$10,000 – $25,000

0.005%

$25,000 – $60,000

0.010%

$60,000 – $100,000

0.025%

$100,000 – $150,000

0.050%

$150,000 and over

0.150%

FAT CAT SAVINGS ACCOUNT

RATES

All Balances

0.010%

SAFETY DEPOSIT BOX

RATES

Small

$37.00 / Yr

Medium

$57.00 / Yr

Large

$117.00 / Yr

FEES

financial backup for life

Accounts

ACCESS YOUR MONEY

LENDING

Mortgages

Registered Investments

Investments

SERVICES

Recruits

Accounts

ACCESS YOUR MONEY

LENDING

Mortgages

Registered Investments

Investments

SERVICES

Recruits

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First Home Tax Free Savings Account

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Canada's #1 provider of online Wills, Power of Attorney, and Living Wills

$39.96

The temperature is dropping but our car loan rates are hot hot hot

EVERYONE LIKES TO SEE RATES – YOU’LL LOVE SEEING OURS!

RESP AWARD

SCHOLARSHIP AWARDS

US DOLLARS

PRIME RATES

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EMAIL

ATMS

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EMAIL

ATMS

PRIME RATES	POSTED RATE
OPPA Credit Union - Non Secured	5.45%
OPPA Credit Union Prime – Real Estate Secured	4.45%

FIXED RATE CLOSED MORTGAGES	POSTED RATE	AS LOW AS
6 months - Fixed Convertible	7.20%	6.20%
1 Year – as low as	7.24%	6.19%
2 Year – as low as	6.84%	5.59%
3 Year – as low as	6.50%	4.34%
4 Year – as low as	6.34%	4.89%
5 Year – as low as	6.39%	4.54%

VARIABLE MORTGAGE RATES	POSTED RATE
5 Year Variable Closed – as low as	3.95%
5 Year Variable Open – as low as	7.45%

HIGH RATIO FIXED MORTGAGE	POSTED RATE	AS LOW AS RATE
3 Year High Ratio Fixed Rate - as low as	4.39%	4.09%
5 Year High Ratio Fixed Rate - as low as	4.29%	4.14%

BRIDGE LOAN	RATES	FEES
OPP Relocation with new mortgage	Prime + 1%	$400
OPP Relocation no mortgage	Prime + 3%	$500
Non Relocation with new mortgage	Prime + 2%	$500
Non Relocation no mortgage	Prime + 4%	$500

VEHICLE LOANS	RATES	INSURED
Model Years 2020 & older	5 Year Variable 9.20%
Model Years 2021 - 2023	5 Year Fixed 5.99%	5 Year Fixed 4.99%
Model Years 2024 - 2026	5 Year Fixed 5.79%	5 Year Fixed 4.79%

NON-REDEEMABLE TERM DEPOSITS	RATES
1 Year – As high as	2.90%
2 Year – As high as	3.00%
3 Year – As high as	3.10%
4 Year – As high as	3.20%
5 Year – As high as	3.35%

1 Year *Redeemable*	1.25%

RRSP TERM DEPOSITS	RATES
1 Year - As high as	2.90%
2 Year - As high as	3.00%
3 Year - As high as	3.10%
4 Year - As high as	3.20%
5 Year - As high as	3.35%

ACCOUNT TYPE	FEATURES	FEES
Maxi	40 Free Debit Transactions 4 Free ATM withdrawals 1 book standard cheques Free e-transfers	$10.25 Fee waived if minimum daily balance is $2500 or more
Inclusive	Unlimited Debit Transactions Unlimited ATM withdrawals 1 book standard cheques Free e-transfers	$14.95 Fee waived if minimum daily balance is $3500 or more
Senior/Student Maxi	20 Free DebitsTransactions 4 Free ATM withdrawals 1 book standard cheques Free e-transfers	$5.00 Fee waived if minimum daily balance is Senior – $2500 Student – $1000
Senior/Student Inclusive	Unlimited Debit Transactions Unlimited ATM withdrawals 1 book standard cheques Free e-transfers	$7.50 Fee waived if minimum daily balance is Senior – $3500 Student – $1500
Basic	Pay as you go $1.00 per debit Free e-transfers	Pay as you go
Current (Business)	20 Debit Transactions Unlimited ATM withdrawals Free e-transfers	$14.95

9-1-1 Savings Account	RATES	OPEN
Series 13 - November 1, 2025 - January 31, 2026	TBD	Nov 1st - 7th
Series 12 - August 1, 2025 - October 31, 2025	1.15%	Aug 1st - 7th
Series 11 - May 1, 2025 - July 31, 2025	1.25%	May 1st - 7th

HIGH SPEED SAVINGS ACCOUNT (tiered by balance)	RATES
$ 0 – $ 75,000	.25%
$ 75,000 – $ 150,000	0.50%
Over $ 150,000	1.00%

PLAN 24 SAVINGS	RATES
$0 – $5,000	0.000%
$5,000 – $10,000	0.001%
$10,000 – $25,000	0.005%
$25,000 – $60,000	0.010%
$60,000 – $100,000	0.025%
$100,000 – $150,000	0.050%
$150,000 and over	0.150%