Interest Rates

Rates are subject to change at anytime.

PRIME RATE
(Effective April 22, 2009)

2.25%

	Buy from CU	Sell to CU
U.S. Exchange Rates (Effective March 9, 2010)
U.S. Cash	$1.0590	$1.0015
U.S. Cheque	$1.0590	$1.0015

*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 December 01, 2009)
Term	Open	Closed
6 Months	7.00%	4.50%
1 Year	7.45%	3.85%
2 Year	--	4.10%
3 Year	--	4.60%
4 Year	--	5.35%
5 Year	--	*5.44%
4% Cash Back	--	5.69%
5% Cash Back	--	5.94%

*Special 4.29% rate promotion on 5 Year term. Some conditions and restrictions apply. This offer can be withdrawn or changed at anytime without notice. Not eligible for pre-approvals.

DEPOSIT RATES (Effective January 14,2009)
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)
INVESTMENT & RRSP RATES (Effective November 07,2009)
Non-Registered	Term	GIC
30-59 Days	0.05%	0.20%
60-89 Days	0.05%	0.20%
90-119 Days	0.05%	0.20%
120-179 Days	0.05%	0.20%
180-269 Days	0.05%	0.20%
270-364 Days	0.05%	0.20%
1 Year	0.15%	0.40%
18 Months*	--	1.00%
2 Years	1.05%	1.30%
3 Years	1.35%	1.60%
4 Years	1.45%	1.70%
5 Years	1.85%	2.10%
3 Year Step*	yr1	0.75%
	yr2	1.75%
	yr3	3.50%
Average Yield		2.00%
5 Year Step*	yr1	0.75%
	yr2	1.50%
	yr3	2.25%
	yr4	3.25%
	yr5	5.25%
Average Yield		2.60%
*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%