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Mortgage Rates & Options

The RCU Difference
At Rocky Credit Union, we give back to our members through Profit Share and Dividends.
Profit Share & Dividends

The more products you hold with RCU, the more you earn!

In 2024 RCU will give 12% of interest earned and interest paid back to our Members. That's over $2M cash back to members!

YEAR  DIVIDEND PROFIT SHARE AVG PRIME
2024 4.95% 12% 6.93%
2023 4.80% 12% 6.58%
2022 2.65% 10% 3.58%
2021 1.90% 10% 2.45%
2020 2.15% 10% 2.95%

What does that mean?

Here are some examples of what you could earn in Profit Share this year!

A Mortgage of $300,000 @ 4.49% = Approximately $1,616 Cash Back

An Investment of $100,000 @ 3.40% = Approximately $408 Cash Back
Most Popular Fixed and Variable Rates
2 Year

Fixed

4.79
*
%
3 Year

Fixed

4.39
*
%
5 Year

Fixed

4.19
*
%
RCU

Prime Rate

4.95
*
%
View all mortgage rates here.
Let's find the right mortgage for you...
House 1

Open Mortgage

Is flexibility important to you? Make extra payments at any time at any amount, or roll into a closed mortgage whenever you wish. Take advantage of this open mortgage option today!
House 2

Everyday Value Mortgage

This option is for those who want to become mortgage-free faster! Get a competitive rate, up to 20% prepayment of the original principal balance, plus 20% increase in your payment without penalty.
House 3

Safe at Home Mortgage

Do you want a low payment with a capped rate? The Safe at Home mortgage allows you to set your payment low, combined with the safety of a capped rate. 
Choose a financing option that best fits your goals...
Financing 1

High Ratio Financing

A down payment of 5% is all you need to get into your new home when financing through Canadian Mortgage & Housing Corporation or Sagen. You have the option to take the mortgage for a 25 year amortization period.
Contact Us
Financing 2

Conventional Financing

Save on interest costs, high ratio premiums, and pay off your mortgage faster by putting at least 20% down!
Contact Us