Rates
Lakeland Credit Union offers competitive rates and unique Member Value Pricing. Plus Profit Sharing for all the business you do with us.
Find the residential mortgage term that’s right for you
3 YEAR FIXED
Insured Mortgages MVP Rate
4.19
*
%
4 YEAR FIXED
Insured Mortgages MVP Rate
4.19
*
%
5 YEAR FIXED
Insured Mortgages MVP Rate
3.99
*
%
5 YEAR VARIABLE
Closed Insured MVP Rate (LCU Prime - 0.70%)
4.25
*
%
The current LCU Prime rate is 4.95%
Contact one of our advisors to get your unique
Member Value Pricing (MVP)
Residential Mortgage Rates
Our Mortgage Calculator and Loan Calculator will help you see what your payments would be.
Conventional Mortgages Insured Mortgages
|
Terms
|
MVP Rate* | Terms | MVP Rate* | |
| 1 Year Fixed | 5.39% | 1 Year Fixed | 5.29% | |
| 2 Year Fixed | 4.69% | 2 Year Fixed | 4.59% | |
| 3 Year Fixed | 4.29% | 3 Year Fixed | 4.19% | |
| 4 Year Fixed | 4.29% | 4 Year Fixed | 4.19% | |
| 5 Year Fixed | 4.29% | 5 Year Fixed | 3.99% | |
| 5 Year Open/Variable |
5.95% (Prime + 1.00%) | 5 Year Open/Variable | 5.95% (Prime + 1.00%) | |
| 5 Year Closed/Variable | 4.55% (Prime - 0.40%) | 5 Year Closed/Variable | 4.25% (Prime - 0.70%) |
Loan Rates
| Personal Loans | Rate (%) |
| Variable (as low as) | Prime + 2.20%* |
| Fixed (as low as) | 7.85%* |
The current Prime rate is 4.95%.
*Certain conditions apply. *Rates subject to change without notice.
Investment Rates
Book an appointment with one of our trusted advisors and let us help you find an investment option that’s right.
|
Non-Redeemable Short Term
Term Deposits / RRSP / TFSA / RRIF / FHSA
|
MVP Rate (%) |
| 30 Day | 2.25* |
| 60 Day | 2.45* |
| 90 Day | 2.35* |
| 180 Day | 2.50* |
|
Non-Redeemable Long Term
Term Deposits / RRSP / TFSA / RRIF / FHSA
|
MVP Rate |
| 1 Year | 2.80* |
| 2 Year | 3.10* |
| 3 Year | 2.80* |
| 4 Year | 2.80* |
| 5 Year | 3.05* |
|
Redeemable Long Term
Term Deposits / TFSA / FHSA
|
MVP Rate |
| 1 Year | 2.25* |
| Minimum Investment: $500 | |
*Certain conditions apply. *Rates subject to change without notice.
Savings Accounts
Advantage Savings Account is the most flexible and high interest rate savings account in the Lakeland. This is the perfect savings account for your next vacation, down payment or big purchase.
| Advantage Savings | Base Rate (%) |
| $0.00 - $9,999 |
1.00* |
| $10,000 - $99,000 | 1.10* |
| $100,000+ | 1.20* |
*Rates subject to change without notice.
Foreign Exchange
You can use our Currency Exchange Calculator below to determine the exact conversion amounts.
| Foreign Exchange | Rate |
| Member Selling USD | 1.3618 |
| Member Buying USD | 1.4248 |
Rates effective date May 20, 2025.