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Rates & Fees

Featured Rates


Mortgage Special

5-year

Registered Term Deposit

5-year

Non-registered Term Deposit

5-year

*Rates are subject to change without notice.

Prime and Loan Rates


Prime Rate

Student Choice Loan

Quick Loan

Unauthorized overdraft rate is 26.00%
*Rates are subject to change without notice

Another advantage to becoming a member at Synergy Credit Union? ProfitShares

Each year, up to 20% of Synergy’s pre-tax profits are allocated to our members’ ProfitShares accounts. Once members reach a certain balance in their ProfitShares accounts, they receive a cash payout to their personal accounts. Just for doing their day-to-day business with the credit union.
Examples of ProfitShares allocation:
    • 3% to Borrowers
      A $325,000 residential super mortgage at 3.29% would have paid interest of $10,693 per year. At an allocation rate of 3% (3% X $10,693 = $321), this would equate to Profit Sharing of $321 (which is like receiving an interest rebate of 0.10%). Your adjusted interest rate paid would be 3.19%.
    • 14% to Savers
      A $100,000 term deposit at 1.80% would earn $1,800 interest per year. At an allocation rate of 14%, (14% X $1,800 = $252) this would equate to Profit Sharing of $252 (which is like receiving a bonus interest rate of 0.25%). Your adjusted interest rate received would be 2.05%.
    • 2% Share Dividend
      If a member had $4,000 in their ProfitShares account on December 31st, they would receive a 2% dividend of $80 ($4,000 X 2% = $80).
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