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We want you to succeed, so we’ll always provide the most competitive rates we can. But a great rate is just the first step in reaching your financial goals. Combine it with products and advice that put your best interests first, and you'll discover what it means to be empowered with your money. It’s just one of the ways we keep our promise to help grow prosperity for you, our local businesses and our communities.

SaveDailyPack Rates

High Interest Savings Account (iSave) Rates

Term Deposit Rates

Tax-Free Savings Account (TFSA) Rates

Registered Retirement Savings Plan (RRSP) Rates

Registered Income Fund (i.e. RRIF) Rates

SaveDailyPack Rates

SaveDailyPack Rate
$0 to $4,999 0.100%
$5,000 to $14,999 0.100%
$15,000 to $34,999 0.100%
$35,000 to $59,999 0.100%
$60,000 and over 0.100%

Interest is earned on closing daily balance and paid monthly.
For more information on rates or to inquire about negotiable rates, please contact your nearest Synergy Credit Union branch.

High Interest Savings Account Rates

Non-registered iSave Rate
$0 to $4,999 0.150%
$5,000 to $24,999 0.150%
$25,000 to $99,999 0.200%
$100,000 to $249,999 0.200%
$250,000 to $499,999 0.200%
$500,000 to $999,999 0.250%
$1,000,000 and over 0.300%

RRSP iSave Rate
$0 to $4,999 0.200%
$5,000 to $24,999 0.200%
$25,000 to $99,999 0.250%
$100,000 to $249,999 0.250%
$250,000 to $499,999 0.250%
$500,000 to $999,999 0.300%
$1,000,000 and over 0.350%

TFSA iSave Rate
$0 to $4,999 0.150%
$5,000 to $24,999 0.150%
$25,000 to $99,999 0.200%
$100,000 to $249,999 0.200%
$250,000 to $499,999 0.200%
$500,000 to $999,999 0.250%
$1,000,000 and over 0.300%

AgriInvest iSave Rate
$0 to $4,999 0.250%
$5,000 to $24,999 0.400%
$25,000 to $99,999 0.600%
$100,000 to $249,999 0.850%
$250,000 to $499,999 0.850%
$500,000 to $999,999 0.850%
$1,000,000 and over 0.850%



Term Deposit Rates

Non-registered Term Deposit, DepositWISE® and Wealth Accumulator Rate
12 to 23 months 0.450%
24 to 35 months 0.450%
36 to 47 months 0.600%
48 to 59 months 1.150%
60 to 71 months 1.350%
Non-registered One Year Cashable Rate
12 months 0.250%

Non-registered High Five Term Deposit Options Rate
12 to 23 months 0.450%
24 to 35 months 0.450%
36 to 47 months 0.600%
48 to 59 months 1.150%
60 to 71 months 1.350%
Registered Term Deposit Rate
12 to 23 months 0.550%
24 to 35 months 0.550%
36 to 47 months 0.700%
48 to 59 months 1.250%
60 to 71 months 1.450%

Registered One Year Cashable Rate
12 months 0.300%

Registered High Five Term Deposit Options Rate
12 to 23 months 0.550%
24 to 35 months 0.550%
36 to 47 months 0.700%
48 to 59 months 1.250%
60 to 71 months 1.450%

Tax-Free Savings Accounts (TFSA) Rates

TFSA iSave Rate
$0 to $4,999 0.150%
$5,000 to $24,999 0.150%
$25,000 to $99,999 0.200%
$100,000 to $249,999 0.200%
$250,000 to $499,999 0.200%
$500,000 to $999,999 0.250%
$1,000,000 and over 0.300%

TFSA Wealth Accumulator Rate
12 to 23 months 0.550%
24 to 35 months 0.550%
36 to 47 months 0.700%
48 to 59 months 1.250%
60 to 71 months 1.450%

TFSA Term Deposit Rate
12 to 23 months 0.550%
24 to 35 months 0.550%
36 to 47 months 0.700%
48 to 59 months 1.250%
60 to 71 months 1.450%

TFSA One Year Cashable Rate
12 months 0.300%

Registered Retirement Saving Plan (RRSP) Rates

RRSP iSave Rate
$0 to $4,999 0.200%
$5,000 to $24,999 0.200%
$25,000 to $99,999 0.250%
$100,000 to $249,999 0.250%
$250,000 to $499,999 0.250%
$500,000 to $999,999 0.300%
$1,000,000 and over 0.350%

RRSP Wealth Accumulator Rate
12 to 23 months 0.550%
24 to 35 months 0.550%
36 to 47 months 0.700%
48 to 59 months 1.250%
60 to 71 months 1.450%

RRSP Term Deposit Rate
12 to 23 months 0.550%
24 to 35 months 0.550%
36 to 47 months 0.700%
48 to 59 months 1.250%
60 to 71 months 1.450%

RRSP One Year Cashable Rate
12 months 0.300%

Registered High Five Term Deposit Options Rate
12 to 23 months 0.550%
24 to 35 months 0.550%
36 to 47 months 0.700%
48 to 59 months 1.250%
60 to 71 months 1.450%

Retirement Income Funds (RRIF) Rates

RIF, LRIF, LIF, PRIF and LIRA iSave Rate
$0 to $4,999 0.200%
$5,000 to $24,999 0.200%
$25,000 to $99,999 0.250%
$100,000 to $249,999 0.250%
$250,000 to $499,999 0.250%
$500,000 to $999,999 0.300%
$1,000,000 and over 0.350%

RIF, LRIF, LIF, PRIF and LIRA Term Deposit
Rate
12 to 23 months 0.550%
24 to 35 months 0.550%
36 to 47 months 0.700%
48 to 59 months 1.250%
60 to 71 months 1.450%

LIRA One Year Cashable Rate
12 months 0.300%



There are very few Synergy products that do not qualify for ProfitShares. For example, due to government regulations, RRSP, TFSA, and RRIF interest is excluded from the program. However, the few products that do not qualify receive favourable rates to compensate for their ineligibility in the ProfitShares Program.


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