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Rates & Fees

Featured Rates


Mortgage Special

5-year

Non-registered Term Deposit

5-year

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
OUR MEMBERS SAY IT BEST

"The credit union has helped with every aspect of our lives that have ever needed funding. Student loans, lines of credit, business help, mortgages. They are always there to help us.

- Holly Fleming



MEMBER PERKS ProfitShares

When we profit, so do you. It's part of what makes us different. This year, more than $1.9 million is going back to our members.

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:

  • 2% to Borrowers
    A $325,000 residential super mortgage at 3.25% would have paid interest of $10,562 per year. At the 2021 allocation rate of 2% (2% X $10,562 = $211), this would equate to Profit Sharing of $211 (which is like receiving an interest rebate of 0.07%). Your adjusted interest rate paid would be 3.18%.
  • 7% to Savers
    A $100,000 term deposit at 1.00% would earn $1,000 interest per year. At the 2021 allocation rate of 7%, (7% X $1,000 = $70) this would equate to Profit Sharing of $70 (which is like receiving a bonus interest rate of 0.07%). Your adjusted interest rate received would be 1.07%.
  • 1% Share Dividend
    If a member had $4,000 in their ProfitShares account on December 31st, they will receive a 1% dividend of $40 ($4,000 X 1% = $40).
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