Rates

Foreign Exchange

Accounts

Mortgages

Term Deposits

List of rates for Foreign Exchange Rates
Foreign Exchange Rates	Buy Rate	Sell Rate
United States (USD)	1.46939	1.40252
United Kingdom (Pound)	1.86129	1.76064
Euro (EUR)	1.54460	1.45020

List of rates for US Pay-as-you-Go*
US Pay-as-you-Go*	Rate
All balances	0.05%

List of rates for Simply Savings Accounts*
Simply Savings Accounts*	Rate
All Balances	0.45%

List of rates for Registered Simply Savings Accounts (TFSA, RRSP, RRIF)*
Registered Simply Savings Accounts (TFSA, RRSP, RRIF)*	Rate
All Balances	0.45%

List of rates for Registered Education Savings Plans (RESP)*
Registered Education Savings Plans (RESP)*	Rate
Variable RESP	0.45%
60 Month - Fixed RESP	2.65%

At Northern Savings, your money is 100% protected by the Credit Union Deposit Insurance Corporation of British Columbia (CUDIC).**

Security, reliability, and trust is what we promise you when you choose to save with us.

*Rates are subject to change without notice. Rates shown are calculated on a per annum basis.
**The Credit Union Deposit Insurance Corporation of British Columbia, a statutory corporation, fully guarantees all BC credit union deposits. Credit Union equity shares and investments such as mutual funds or RSP equity plans are not covered by deposit insurance.

RRSPs and RRIFs

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TFSAs

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RESPs

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List of rates for NorthSave Mortgage Specials*
NorthSave Mortgage Specials*	Rate
Northsave Mortgage 1 Year Closed	5.89%
Northsave Mortgage 2 Year Closed	5.44%
Northsave Mortgage 3 Year Closed	4.14%
Northsave Mortgage 4 Year Closed	4.14%
Northsave Mortgage 5 Year Closed	4.09%

List of rates for Variable Rate Mortgages*
Variable Rate Mortgages*	Rate
3 Year Variable Open	6.45%
5 Year Variable	4.55%

List of rates for Fixed Rate Mortgages*
Fixed Rate Mortgages*	Rate
1 Year Open	6.05%
6 Month Closed	5.95%
1 Year Closed	5.89%
2 Year Closed	5.44%
3 Year Closed	5.28%
4 Year Closed	5.28%
5 Year Closed	5.27%

*Rates are subject to change without notice. Rates are based on risk. Rates may be higher depending on the application and type of property selected. Contact your branch for more details.

†The Annual Percentage Rate for a representative mortgage of $200,000 which has an appraisal fee of $450 and lawyer’s fees estimated at $1,400 with interest compounded semi-annually not in advance, with an interest rate of 4.79%, with a 60 month term which will be repaid in 300 months with payments of $1,139.42 per month. Cost of borrowing for this duration with no altered payments is $46,640.27.

Residential Mortgages

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Commercial Mortgages

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Mortgage Calculator

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List of rates for Redeemable Term Deposit*
Redeemable Term Deposit*	Rate
12 Month Cashable	2.60%

List of rates for Short Term Deposits*
Short Term Deposits*	Rate
30 – 149 Days (under $100,000)	0.65%
150 - 364 Days (under $100,000)	1.15%
30 - 149 Days (over $100,000)	1.15%
150 - 364 Days (over $100,000)	1.35%

List of rates for Long Term Deposits*
Long Term Deposits*	Rate
12 - 17 Months	3.15%
18 - 29 Months	3.00%
30 - 41 Months	3.00%
42 - 53 Months	2.90%
54 - 60 Months	2.90%

List of rates for US Term Deposits*
US Term Deposits*	Rate
30 - 364 Days	0.45%
12 - 17 Months	0.95%
18 - 29 Months	1.35%
30 - 41 Months	1.65%
42 - 53 Months	1.83%
54 - 60 Months	2.18%

At Northern Savings, your money is 100% protected by the Credit Union Deposit Insurance Corporation of British Columbia (CUDIC).**

Security, reliability, and trust is what we promise you when you choose to save with us.