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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



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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