Type |
Rate |
|---|---|
|
New Cars |
6.95% |
|
Used Cars |
7.95% |
|
Type
|
Term
|
Rate
|
|---|---|---|
|
New Cars
|
1 year
|
6.55%
|
|
2 year
|
7.50%
|
|
|
3 year
|
8.00%
|
|
|
Used Cars
|
1 year
|
7.95%
|
|
2 year
|
8.70%
|
|
|
3 year
|
9.70%
|
Type |
Rate |
|---|---|
|
General (any purpose) |
7.75% ‒ 10.70% |
|
Consolidation (variable only) |
12.20% |
|
Fully Secured by Savings |
6.45% |
|
Fully Secured Other |
(to be determined upon application minimum of 7.75%) |
|
RRSP Catch Up Loan |
Variable Rate: 7.00% |
Type |
Rate |
|---|---|
|
RRSP Line of Credit |
6.45% (if RRSP deposit here) |
|
Christmas Line of Credit |
7.20% September to January |
|
Student Line of Credit |
7.15% |
|
Home Improvement LOC |
7.45% |
|
Unsecured Line of Credit |
11.95% |
|
Secured Line of Credit |
6.45% ‒ 10.70% |
|
Unauthorized Overdrafts |
19.95% |
|
Type
|
Term
|
Rate
|
|---|---|---|
|
General (any purpose)
|
1 year
|
8.00% ‒ 10.45%
|
|
2 year
|
8.00% ‒ 10.45%
|
|
|
3 year
|
8.00% ‒ 11.20%
|
|
Type
|
Term
|
Rate
|
|---|---|---|
|
First Mortgage
|
1 year closed
|
6.99%
|
|
2 year closed
|
6.74%
|
|
|
3 year closed
|
5.99%
|
|
|
5 year closed
|
5.15%
|
|
|
1 year open
|
9.00%
|
|
|
Second Mortgage
|
1 year closed
|
7.99%
|
|
2 year closed
|
7.74%
|
|
|
3 year closed
|
7.25%
|
|
|
5 year closed
|
6.25%
|
|
|
I year open
|
10.00%
|
Type |
Rate |
|---|---|
|
First Mortgage |
6.45% |
|
Second Mortgage |
7.45% |
|
Term
|
$5,000
|
$10,000
|
$25,000+
|
|---|---|---|---|
|
30 to 89 days
|
0.15%
|
0.20%
|
0.25%
|
|
90 to 179 days
|
0.15%
|
0.20%
|
0.25%
|
|
180 to 364 days
|
0.15%
|
0.20%
|
0.25%
|
Interest can be paid annually or compounded and paid at maturity.
|
Term
|
$500
|
$10,000
|
$25,000
|
$50,000
|
$100,000
|
|---|---|---|---|---|---|
|
1 year
|
3.45%
|
3.70%
|
3.90%
|
4.00%
|
4.20%
|
|
2 year
|
3.40%
|
3.60%
|
3.70%
|
3.80%
|
4.15%
|
|
3 year
|
3.30%
|
3.40%
|
3.50%
|
3.60%
|
3.95%
|
|
4 year
|
3.20%
|
3.30%
|
3.40%
|
3.45%
|
3.90%
|
|
5 year
|
3.05%
|
3.20%
|
3.30%
|
3.40%
|
3.80%
|
Factor |
Rate |
|---|---|
|
Interest is paid semi-annually: June and December |
0.25% |
Factor |
Rate |
|---|---|
|
Interest is paid quarterly: March, June, September, and December |
0.05% |
Factor |
Rate |
|---|---|
|
Interest is paid quarterly: March, June, September, and December |
0.15% |
Factor |
Rate |
|---|---|
|
Interest is paid quarterly: March, June, September, and December |
0.05% |
Factor |
Rate |
|---|---|
|
Interest is paid quarterly: March, June, September, and December |
0.05% |
Factor |
Rate |
|---|---|
|
Non-interest bearing |
N/A |
|
Fee Type
|
Regular Chequing Account
|
Chequing Package Plan
|
|---|---|---|
|
Monthly Package Plan
|
n/a
|
$8.00
|
|
Cheque Writing & EFTs (electronic fund transfers)
|
$.70
|
Free - unlimited transactions
|
|
Golden Horseshoe Credit Union ATM
|
Free - unlimited transactions
|
Free - unlimited transactions
|
|
Other Institutions ATMs - Interac
|
$1.55
|
Free - unlimited transactions
|
|
U.S or International ATMs
|
$3.05
|
Free - unlimited transactions
|
|
Direct Payment (P.O.S)
|
$.80
|
Free - unlimited transactions
|
|
E-transfer
|
$1.50
|
$1.50
|
|
Bill Payment - Counter
|
$1.75 per bill
|
Free - unlimited transactions
|
|
Bill Payment - Online
|
$0.75
|
Free - unlimited transactions
|
|
Stop Payments
|
$10.00
|
Free - unlimited transactions
|
|
Certified Cheques
|
$10.00
|
Free - unlimited transactions
|
|
NSF Cheques / Pre-authorized Payments
|
$50.00
|
$50.00
|
|
Transfers to cover Overdraft if done by the Credit Union
|
$7.00
|
$7.00
|
|
Telephone Transfers
|
$5.00
|
Free - unlimited transactions
|
|
Personalized Cheques
|
at cost
|
50 Free per year
|
|
Unauthorized Overdraft & over limit on Line of Credit or over draft
|
$25.00
|
$25.00
|
Fee Type |
Amount |
|---|---|
|
ATM (other than GHCU ATM) |
$1.55 (GHCU ATM FREE to all members) |
|
Point Of Sale |
$0.80 |
|
E-transfer |
$1.50 |
|
Cirrus Transaction (card used outside of Canada) |
$3.05 |
|
ATM Card Replacement |
$5.00 |
|
Unauthorized Over Draft Charge |
$25.00 |
|
Searching Members Records |
$50.00 per hour |
|
RRSP, RRIF, TFSA Transfer Out |
$100.00 |
|
Inactive Membership Notice (2 years) |
$50.00 |
|
Dormant Account Annual Maintenance Fee |
$50.00 |
|
Official Cheque Under $2000.00 (free for Golden Age Package Plan members) |
$5.00 |
|
Interest Paid Letter |
$25.00 |
|
Estate Redemption |
$100.00 |
|
Collection Item |
$20.00 |
|
Account Closed Within 90 Days |
$40.00 |
|
Account Transfers To Other Financial |
$40.00 |
|
Letter Of Account Verification |
$15.00 |
|
Trace Request |
$20.00 |
|
Semiannual Mailed Statement |
$2.00 |
Fee Type |
Golden Age Package Plan |
|---|---|
|
Monthly Package Plan |
Free for 60+ |
|
Cheque Writing & EFTs |
Free - unlimited transactions |
|
Golden Horseshoe Credit Union ATM |
Free - unlimited transactions |
|
Other Institutions ATMs - Interac |
Free - unlimited transactions |
|
U.S. or International ATMs |
Free - unlimited transactions |
|
Direct Payment |
Free - unlimited transactions |
|
E-transfer |
$1.50 |
|
Bill Payment - Counter |
Free - unlimited transactions |
|
Bill Payment - Online |
Free - unlimited transactions |
|
Stop Payments |
$10.00 |
|
Certified Cheques |
$10.00 |
|
NSF Cheques / Pre-authorized Payments |
$50.00 |
|
Transfers to cover Overdraft if done by the Credit Union |
$7.00 |
|
Telephone Transfers |
Free - unlimited transactions |
|
Personalized Cheques |
50 Free per Year |
|
Unauthorized Overdraft & / or going over Limit of Authorized Overdraft or Line of Credit |
$25.00 |
Note: To qualify for the Golden Age Package Plan a member must be: 1) 60 years of age 2) Primary member on joint accounts other than with spouse
Fee Type |
Amount |
|---|---|
|
Appraisals |
Individually Priced |
|
Corporate Draft Disbursement |
2 Free then $5.00 |
|
Discharge Fee |
$300.00 |
|
Late Payment Fee |
$25.00
|
|
NSF Payment Fee |
$50.00
|
|
Home Equity Line Of Credit Changes |
$10.00 |
|
Mortgage Top Up |
$275.00 |
|
Mortgage Payout Letter/Statement |
$25.00 |
|
Payment Alteration Fee |
$25.00 |
Fee Type |
Amount |
|---|---|
|
Bridge Loan |
$275.00 |
|
Corporate Draft Disbursement |
2 Free then $5.00 each |
|
Lien Search |
$21.80 |
|
Late Payment Fee |
$25.00 |
|
NSF Payment Fee |
$50.00
|
|
Loan Processing Fee (loans under $5000.00) |
$50.00 |
|
Payment Alteration Fee |
$10.00 |