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COVID-19 Updates

NEW! NPSCU requires all patrons and Team Members to wear a mask when attending all NPSCU Branches and to sanitize their hands upon entry effective Nov. 2, 2020.

In response to the COVID-19 Pandemic we are monitoring the situation and keeping Members informed here: COVID-19 Resources

Rates

Canadian & US Term Deposits

Rates effective Nov 3, 2020

Term Length CDN Rate USD Rate
30 days to 179 days 0.00% 0.00%
180 days to 364 days 0.00% 0.00%
1 year non-redeemable 0.25% 0.00%
2 year non-redeemable 0.50% 0.00%
3 year non-redeemable 0.60% 0.00%
4 year non-redeemable 0.80% 0.00%
5 year non-redeemable 0.95% 0.00%
Term Length CDN Rate USD Rate
1 year redeemable* 0.05% 0.00%
2 year redeemable* 0.25% 0.00%
3 year redeemable* 0.35% 0.00%
4 year redeemable* 0.55% 0.00%
5 year redeemable* 0.70% 0.00%

 

*Redeemable for full principal, full interest to last anniversary date & 50% accrued interest since last anniversary date. Interest on terms greater than 1 year paid annually except for GOLDEN MEMBERS where interest may be paid monthly.

Registered Products

Rates effective Nov 3, 2020

RRSP / RIF Platinum Plan 0.05%
TFSA Platinum Plan 0.05%
Term Length CDN Rate
1 year redeemable* 0.25%
2 year redeemable* 0.50%
3 year redeemable* 0.60%
4 year redeemable* 0.80%
5 year redeemable* 0.95%

Savings Accounts

Account Rates Effective Rate
B.Saving Personal Nov 3, 2020 0.00%
B.Saving Business Nov 3, 2020 0.00%

High Interest Savings Accounts

Account Effective Date Rate
Personal Platinum Plan (CAD) Nov 3, 2020 0.05%
Personal Platinum Plan (USD) Nov 3, 2020 0.00%
Business Platinum Plan (CAD) Nov 3, 2020 0.05%
Business Platinum Plan (USD) Nov 3, 2020 0.05%
AgriInvest Platinum Plan  Nov 3, 2020 0.05%

Chequing Accounts - Personal

Account Effective Date Rate
B.Chequing - No Interest Paid
B.Chequing Plus - No Interest Paid
B.Chequing Flex - No Interest Paid
B.Golden - No Interest Paid
B.Junior Nov 3, 2020 0.00%

Chequing Accounts - Business

Account Balances <$50,000 Balances >$50,000
B.Smart Business Mini No interest paid 0.00%
B.Smart Business No interest paid 0.00%
B.Smart Business Plus No interest paid 0.00%
Organization Chequing 0.00% 0.00%

 

*For B.Smart products, interest is only paid on that portion of balances $50,000 and above; no interest is paid on that portion of balances below $50,000. Interest is calculated daily.

Retail Mortgages

Rates effective Nov 3, 2020

Type Year(s) Rate Special Rate*
Fixed Rate Open 1 year 7.45% -
Fixed Rate Closed 1 year 2.89%
Fixed Rate Closed 2 year 3.24% 1.94%
Fixed Rate Closed 3 year 3.75% 1.94%
Fixed Rate Closed 4 year 4.29% 1.94%
Fixed Rate Closed 5 year 4.79% 1.94%
Variable Rate Open 5 year Prime + 2% -
Variable Rate Closed 5 year Prime + 0.5% -

*Special Rates are an “as low as” rate and are only available for new or renewing mortgages (refinances are not eligible), and are only available for a limited time.

Other Rates

Rates effective Nov 3, 2020

Prime Rate 2.70%

Foreign Exchange Rates

To see Foreign Exchange Rates, please visit our Currency Calculator here.