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Agency Branch Rates

Chequing & Savings
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Mortgages
Registered Plans
Term Deposits
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Chequing and Savings

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Legal

Chequing Account

  • Best rate from first dollar on total closing balance.

Personal & Business Investment Savings Account

  • Interest is calculated on daily closing balance and paid monthly. Rates subject to change at any time.

Daily Interest Savings Account

  • Tier rate paid on the portion of the balance within each tier. Annualized interest rate calculated on the daily closing balance and paid monthly.

US Chequing

  • Tier rate paid on the portion of the balance within each tier. Annualized interest rate calculated on the daily closing balance and paid monthly. Interest paid in US funds. Not covered by CDIC.
  • Rates are subject to change without notice and are for information only. Due to local and proxy caching on the Internet, please ensure that you are viewing rates as at the current day's date. 
  • Only eligible deposits held in Canadian currency, having a term of five years or less and payable in Canada are insurable under the Canada Deposit Insurance Corporation Act.

Line of Credit 

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Legal

As a valued member of Alterna Bank, we would like to keep you informed about changes that may affect you. On March 31, 2020 the Bank of Canada key interest rate decreased by 0.50% - which in turn has decreased Alterna Bank’ Prime Interest Rate to 2.45% from 2.95%. If you hold a variable rate lending product with Alterna Bank such as a mortgage, line of credit or loan your payment amount will not change, however, a higher portion of your payment will be applied towards your principal. Prime refers to the Alterna Prime Rate. Alterna Prime Rate is 2.45% as of March 31, 2020. Your interest rate will change whenever the Alterna Prime rate changes. Subject to credit approval. Assuming no additional fees are charged, the Annual Percentage Rate (APR) is the same as the Interest rate. Other conditions may apply. Due to local and proxy caching on the Internet, please ensure that you are viewing rates as at the current day's date.

Mortgage Rates

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Legal

Prime Rate

  • Prime refers to the Alterna Prime Rate. Alterna Prime Rate is 2.45% as of March 31, 2020. Your interest rate will change whenever the Alterna Prime rate changes. As a valued client of Alterna Bank, we would like to keep you informed about changes that may affect you. On March 31, 2020 the Bank of Canada key interest rate decreased by 0.50% - which in turn has decreased Alterna Bank’s Prime Interest Rate to 2.45% from 2.95%. If you hold a variable rate lending product with Alterna Bank such as a mortgage, line of credit or loan your payment amount will not change, however, a higher portion of your payment will be applied towards your principal.

Promotional High Ratio Fixed Mortgage Rates

2.39% APR on 5-Year High Ratio Fixed Closed Mortgage: Applicable for a High Ratio Mortgage where a borrower places a down payment of less than 20% of the purchase price on a home. Maximum property value of $1,000,000. Applies to owner-occupied residential properties only.

To be eligible, applicants must purchase and qualify for mortgage default insurance. For a purchase price of $500,000 or less, the minimum down payment is 5%. When the purchase price is above $500,000 and under $1,000,000, the minimum down payment is 5% for the first $500,000 and 10% for the remaining portion.

Special promotional rates may be changed or withdrawn at any time without notice. Cannot be combined with any other offer or discount. Assuming no additional fees are charged, the Annual Percentage Rate (APR) is the same as the Interest rate 2.39% respectively. Rates calculated semi-annually not in advance. Maximum amortization of 25 years. Funds must be advanced within 120 days of application. Some conditions apply. Due to local and proxy caching on the Internet, please ensure that you are viewing rates as at the current day’s date. Blend & Extends as well as Refinances are not eligible.

Note: The cost of default insurance is subject to change if the purchase price or appraised value, the amount of down payment or the amortization changes. The final premium and the cost of your mortgage default insurance will be disclosed in your mortgage commitment/loan document. 

Digital Promotional Variable Mortgages Rate 

  • 5 Year Variable Closed: Cannot be combined with any other offer or discount. Assuming no additional fees are charged, the Annual Percentage Rate (APR) is the same as the Interest rate 2.95%. Rates calculated monthly not in advance.

Rate guaranteed for a maximum of 60 days. Rate guarantee does not apply to the Alterna prime rate. Funds must be advanced within 60 days of application. Blend & Extends as well as Refinances are not eligible.

Digital Posted Fixed Mortgages Rate

  • 1, 2, 3, 4, 5, 7, 10 Fixed Closed: Rates calculated monthly not in advance. Mortgage prepayment limited to 20% of the original mortgage principal balance. Maximum Amortization of 25 years.

Maximum property value of $1,000,000. Applies to owner-occupied residential properties only. Some conditions apply.

Digital Posted Variable Mortgage Rate

  • 3 & 5 Year Variable: Rates calculated monthly not in advance. Mortgage prepayment limited to 20% of the original mortgage principal balance.
  • Maximum Amortization of 25 years. Maximum property value of $1,000,000. Applies to owner-occupied residential properties only. Some conditions apply. Due to local and proxy caching on the Internet, please ensure that you are viewing rates as at the current day's date.

Special promotional rates may be changed or withdrawn at any time without notice. Due to local and proxy caching on the Internet, please ensure that you are viewing rates as at the current day's date. Rates available for online mortgages only. Rates are subject to change without notice and are for information only.

Registered Plans

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Legal

Special promotional rate may be changed or withdrawn at any time without notice. Existing term deposits cannot be broken to receive this offer. Rate shown for annual interest.Minimum investment/deposit $500 ($100 for Student Life and Youth Start accounts); Maximum investment $500,000. Cashable upon maturity only. Due to local and proxy caching on the Internet, please ensure that you are viewing rates as at the current day's date. 

  • 120 Days: Available for new deposits only or new registered contributions which can include existing funds on deposit. Simple interest calculated on the principal amount for the number of days in the term deposit and paid at maturity (principal x rate x number of days / 365 days). Available to personal accounts only. 
  • 18 and 32 Months: Available to personal and non-personal accounts. 
  • Term Deposits of 364 days or less: Simple interest calculated on the principal amount for the number of days in the term deposit and paid at maturity. (principal x rate x number of days / 365 days).
  • 1 – 5 Year Term Deposits: Annual compound interest paid monthly or annually.
  • 1 Year Redeemable: Annual compound interest paid at redemption or at maturity
  • 18-23 Month Term Deposit: Annual compound interest paid annually and at maturity
  • Flexi Term Deposit: Minimum $2500. Annual compound interest paid annually and at maturity.
  • Nest egg Term Deposit: $10 minimum per month. non-registered, RRSP & TFSA eligible.
  • RateBuilder Term Deposits:  Minimum deposit $500. Annual compound interest paid annually or at maturity.
  • US Dollar Term Deposits of 364 days or less: Simple interest calculated on the principal amount for the number of days in the term deposit and paid at maturity. (principal x rate x number of days / 365 days).
  • US Dollar Term Deposits of 1 to 5 years: Annual compound interest paid monthly or annually.  US Dollar Term Deposits are not DICO eligible.

Term Deposit Rates

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{{ rate.clientSellRate | rate }}

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​Legal

Special promotional rate may be changed or withdrawn at any time without notice. Existing term deposits cannot be broken to receive this offer. Rate shown for annual interest. Minimum investment/deposit $500; Maximum investment $500,000. Cashable upon maturity only. Due to local and proxy caching on the Internet, please ensure that you are viewing rates as at the current day's date. 

  • 1 Year and 18 Month Promo Rate: Special promotional rate may be changed or withdrawn at any time without notice. Existing term deposits cannot be broken to receive this offer. Rate shown for annual interest. Annual compound interest paid monthly or annually. Minimum investment $500 ; Maximum investment $500,000. Cashable upon maturity only. Available to personal and non-personal accounts. Due to local and proxy caching on the Internet, please ensure that you are viewing rates as at the current day's date.
  • Term Deposits of 364 days or less: Simple interest calculated on the principal amount for the number of days in the term deposit and paid at maturity. (principal x rate x number of days / 365 days).
  • 1 – 5 Year Term Deposits: Annual compound interest paid monthly or annually.
  • 1 Year Redeemable: Annual compound interest paid at redemption or at maturity
  • 18-23 Month Term Deposit: Annual compound interest paid annually and at maturity
  • Flexi Term Deposit: Minimum $2500. Annual compound interest paid annually and at maturity.
  • Nest egg Term Deposit: $10 minimum per month. non-registered, RRSP & TFSA eligible.
  • RateBuilder Term Deposits:  Minimum deposit $500. Annual compound interest paid annually or at maturity.
  • US Dollar Term Deposits of 364 days or less: Simple interest calculated on the principal amount for the number of days in the term deposit and paid at maturity. (principal x rate x number of days / 365 days).
  • US Dollar Term Deposits of 1 to 5 years: Annual compound interest paid monthly or annually.  US Dollar Term Deposits are not DICO eligible.

Foreign Exchange

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Please note that the Buying column is the rate that members will buy from Alterna and the Selling column is the rate that members will sell to Alterna.


Legal

  • All currencies are quoted in Canadian Dollars
  • These foreign exchange rates are for reference only and are subject to change, as currency prices fluctuate throughout the day.
  • Please note that when planning on visiting a branch to buy foreign currency, we require two days notice. These currencies are only available at branches with tellers, ABMs are unable to dispense foreign currency. Please call your branch ahead to make arrangements.Due to local and proxy caching on the Internet, please ensure that you are viewing rates as at the current day's date.


CS Alterna Bank is a member of Canada Deposit Insurance Corporation (CDIC). For more information, watch video.

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