Interest Rates

Rates are subject to change at anytime.

PRIME RATE
(Effective September 9, 2010)

3.00%

	Buy from CU	Sell to CU
U.S. Exchange Rates (Effective May 17, 2013)
U.S. Cash	$1.0436	$1.0066
U.S. Cheque	$1.0436	$1.0066

*Displayed U.S. dollar exchange rates apply only to transactions up to $999.99. Please contact a Bayview Credit Union service representative to confirm rates for higher exchange amounts. Rates can only be guar- anteed at the time of transaction.

MORTGAGE RATES (Effective March 18, 2013)
Term	Open	Closed
6 Months	6.70%	4.45%
1 Year	6.45%	3.55%
2 Year	--	3.75%
3 Year	--	4.09%
4 Year	--	4.99%
5 Year (2% Cashback)	--	*3.99%
5 Year	--	3.49%

*Special 3.99% rate promotion on 5 Year term - Regular rate: 5.14%. Some conditions and restrictions apply. This offer can be withdrawn or changed at anytime without notice.

Annual Percentage Rate (APR) means the cost of borrowing for a loan expressed as an interest rate. It includes all interest and non-interest charges associated with the mortgage. As Bayview Credit Union does not charge fees on most residential mortgages, the annual interest rate and APR are usually identical.

DEPOSIT RATES (Effective July 13,2010)
Plan 24 Daily Interest	0.15%
U.S. Savings	0.15%
Standard Savings	0.25%
TFSA Super Savings Account	1.00%
Premium Investment Account
$0 - $4,999.99	0.00%
$5,000 - $9,999.99	0.25%
$10,000 - $24,999.99	0.50%
$25,000 - $59,999.99	0.75%
$60,000 plus	1.25%
Pay As You Go Account
$0 - $4,999.99	0.00%
$5,000 - $24,999.99	0.10%
$25,000 - $49,999.99	0.25%
$50,000 - $99,999.99	0.50%
$100,000 - $249,999.99	0.75%
$250,000 plus	1.00%

Non-Registered & Registered (RRSP & RRIF)	Term	GIC
INVESTMENT & RRSP RATES (Effective Mar. 11, 2013)
Non-Registered	Term	GIC
30-59 Days	0.15%	0.40%
60-89 Days	0.15%	0.50%
90-119 Days	0.15%	0.50%
120-179 Days	0.15%	0.55%
180-269 Days	0.15%	0.75%
270-364 Days	0.15%	0.80%
1 Year	0.50%	1.00%
2 Years	0.75%	1.15%
3 Years	1.05%	1.35%
4 Years	1.20%	1.60%
5 Years	1.60%	2.05%
3 Year Step*	yr1	1.25%
	yr2	1.50%
	yr3	2.40%
Average Yield		1.72%
5 Year Step*	yr1	1.00%
	yr2	1.25%
	yr3	2.00%
	yr4	2.75%
	yr5	4.50%
Average Yield		2.29%
*Not available in RRIF

Variable Rate RRSP Savings
$0-$4,999.99	0.15%
$5,000-$24,999.99	0.25%
$25,000 plus	0.40%