Sign In
Sign In
SERVICE UPDATE:
During the Canada Post service disruption, mail from Access Credit Union may be delayed. Learn More.

HOLIDAY CLOSURE:
In recognition of Thanksgiving, all branches and contact centres will be closed on Saturday, October 11, and Monday, October 13.

Rates

Please be advised that due to technical issues, rates are currently unavailable on our website. We are actively working to resolve the issue. For our latest rates, please see our Member Rate Sheet.
12-month GIC

*RATE SPECIAL*

3.75
*
%
60-month GIC

*RATE SPECIAL*

3.95
*
%

*Special promotional rates do not qualify for additional rate enhancements.

Browse by rate type:

Icon dailyrates 100x100
Daily Exchange Rates
Icon Personalrates 100x100
Personal Accounts
Icon mortgagerates 100x100
Mortgage Rates
Investment Rates100x100
Deposit Rates
icon businessrates 100x100
Business Accounts


Daily exchange rates:

Exchange rates are subject to change without notice at any time.

Rates were last updated October 10, 2025.


US Exchange

Members Buy

1.4193
*
%
US Exchange

Members Sell

1.3793
*
%
Euro Exchange

Members Buy

1.7060
*
%
Euro Exchange

Members Sell

1.5377
*
%
*Rates subject to change based on the date of order. Some fees may apply. Please see your local branch for details.
For U.S. exchange rates on funds exceeding $10,000, please contact us.

Personal Accounts

Interest rates are subject to change without notice at any time.
Rates were last updated August 20, 2025 

   Savings Accounts

   Rates

%
$0 - $99,999
$100,000 - $249,999
$250,000 and over

%
%
%
%
$0 - $2,000
$2,001+

%
%
%
%

Daily, Grow, and Ability Savings interest calculated on your closing daily balance, paid monthly. Platinum Savings interest calculated on your minimum monthly balance, paid monthly. Premium Savings interest calculated on your closing daily balance, paid monthly.

Residential Mortgage Rates

Interest rates are subject to change without notice at any time.
Rates were last updated September 18, 2025.

For Business lending rates, please contact your Business Account Manager, local branch, or our Member Solutions Centre at 1.800.264.2926.

   Mortgages
    Rates
1 Year Fixed
 %
2 Year Fixed
 %
3 Year Fixed %
4 Year Fixed %
5 Year Fixed
 %
Variable Open (Prime)
 4.70%
Variable Closed (Prime - 1.00%)
 3.70%

Deposit Accounts

Interest rates are subject to change without notice at any time. 
Rates were last updated September 22, 2025

   Term Deposits*

   Rates
%
%
%
%
%
%
%
%
%

*GIC interest calculated daily, paid annually on anniversary date.


   TFSA

   Rates
%
%
 
 %
 
 %
%
  %
%
%
%

%

TFSA term interest calculated daily, paid annually on anniversary date.
TFSA variable interest paid semi-annually.

   RRSP

   Rates
%
%
 
 %
 
 %
%
  %
%
%
%

%

RRSP term interest calculated daily, paid annually on anniversary date.
RRSP variable interest paid semi-annually.


   FHSA

   Rates
%
%
 
 %
 
 %
%
  %
%
%
%

%

FHSA term interest calculated daily, paid annually on anniversary date.
FHSA variable interest paid semi-annually.

Business Accounts

Interest rates are subject to change without notice at any time.
Rates were last updated August 20, 2025.

    Savings Accounts

   Rates

%
$0 - $99,999
$100,000 - $249,999
$250,000 and over

%
%
%
%
%
%

Daily Savings interest calculated on your closing daily balance, paid monthly. Platinum Savings interest calculated on your minimum monthly balance, paid monthly. Premium Savings interest calculated on your closing daily balance, paid monthly. Agri Invest interest calculated on your closing daily balance, paid monthly.


This website uses cookies to improve your user experience. By continuing to browse the site you are agreeing to our use of cookies.