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Rates

Peace Hills Trust offers competitive rates and from time to time offers promotional rates on various products

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*Rates are provided for information purposes only and are subject to change without notice.
Rates are effective October 27, 2022.

Featured Rates

PHT Prime Rate

5.95

Chequing & Savings

Rates shown are calculated on a per annum basis.  Interest is calculated on the daily closing balance, at the applicable rate tier and paid monthly.

List of rates for DAILY INTEREST CHEQUING ACCOUNTS $0 - $4,999.99
DAILY INTEREST CHEQUING ACCOUNTS $0 - $4,999.99 Rate
Personal Chequing
0.050
Business Chequing
0.050
Spirit 55
0.100
Cash Management
0.050
List of rates for DAILY INTEREST CHEQUING ACCOUNTS $5,000 AND OVER
DAILY INTEREST CHEQUING ACCOUNTS $5,000 AND OVER Rate
Personal Chequing
0.100
Business Chequing
0.100
Spirit 55
0.200
Cash Management
0.100
List of rates for DAILY INTEREST SAVINGS ACCOUNTS
DAILY INTEREST SAVINGS ACCOUNTS Rate
Daily Interest Savings Account $0 - $4,999.99
0.100
Daily Interest Savings Account $5,000.00 and Over
0.200
 

Guaranteed Investment Certificates (GIC)

Rates shown are calculated on a per annum basis.  Interest is calculated on the daily closing balance, at the applicable rate tier and paid monthly.

Short Term GIC

List of rates for SHORT TERM - NON REDEEMABLE
SHORT TERM - NON REDEEMABLE Rate
30 - 59 Days
0.200
60 - 89 Days
0.200
90 - 119 Days
0.200
120 - 179 Days
0.200
180 - 269 Days
0.250
270 - 364 Days
0.250
List of rates for SHORT TERM - REDEEMABLE
SHORT TERM - REDEEMABLE Rate
30 - 59 Days
0.100
60 - 89 Days
0.100
90 - 119 Days
0.100
120 - 179 Days
0.100
180 - 269 Days
0.125
270 - 364 Days
0.125
List of rates for SHORT TERM EARLY REDEMTION
SHORT TERM EARLY REDEMTION Rate
30 - 59 Days
0.050
60 - 89 Days
0.050
90 - 119 Days
0.050
120 - 179 Days
0.050
180 - 269 Days
0.050
270 - 364 Days
0.050

Term Deposits

List of rates for TERM DEPOSITS - PAID ANNUALLY
TERM DEPOSITS - PAID ANNUALLY Rate
1 Year
2.500
2 Year
3.000
3 Year
4.300
4 Year
4.300
5 Year
4.350
List of rates for TERM DEPOSITS - PAID SEMI ANNUALLY
TERM DEPOSITS - PAID SEMI ANNUALLY Rate
1 Year
2.250
2 Years
2.750
3 Years
4.050
4 Years
4.050
5 Years
4.100
List of rates for TERM DEPOSITS - PAID QUARTERLY
TERM DEPOSITS - PAID QUARTERLY Rate
1 Year
2.100
2 Years
2.600
3 Years
3.900
4 Years
3.900
5 Years
3.950
List of rates for TERM DEPOSITS - PAID MONTHLY
TERM DEPOSITS - PAID MONTHLY Rate
1 Year
2.000
2 Years
2.500
3 Years
3.800
4 Years
3.800
5 Years
3.850
List of rates for TERM DEPOSITS - COMPOUNDED ANNUALLY
TERM DEPOSITS - COMPOUNDED ANNUALLY Rate
1 Year
2.500
2 Years
3.000
3 Years
4.300
4 Years
4.300
5 Years
4.350
 

Registered Retirement Savings Plans (RRSP)

Rates shown are calculated on a per annum basis.

List of rates for RRSP SHORT TERM - REDEEMABLE
RRSP SHORT TERM - REDEEMABLE Rate
30 - 59 Days
0.100
60 - 89 Days
0.100
90 - 119 Days
0.100
120 - 179 Days
0.100
180 - 269 Days
0.125
270 - 364 Days
0.125
List of rates for RRSP SHORT TERM - EARLY REDEMTION
RRSP SHORT TERM - EARLY REDEMTION Rate
30 - 59 Days
0.050
60 - 89 Days
0.050
90 - 119 Days
0.050
120 - 179 Days
0.050
180 - 269 Days
0.050
270 - 364 Days
0.050
List of rates for RRSP TERM DEPOSITS - PAID ANNUALLY TO SAVINGS
RRSP TERM DEPOSITS - PAID ANNUALLY TO SAVINGS Rate
1 Year Non-Redeemable
2.500
2 Year Non-Redeemable
3.000
3 Year Non-Redeemable
4.300
4 Year Non-Redeemable
4.300
5 Year Non-Redeemable
4.350
List of rates for RRSP TERM DEPOSITS - COMPOUND ANNUAL
RRSP TERM DEPOSITS - COMPOUND ANNUAL Rate
1 Year
2.500
2 Years
3.000
3 Years
4.300
4 Years
4.300
5 Years
4.350
List of rates for RRSP DAILY INTEREST SAVINGS
RRSP DAILY INTEREST SAVINGS Rate
$0 - $4,999.99
0.100
$5,000 - and Over
0.200
 

Mortgages

Fixed rates, closed terms for owner-occupied homes. 

List of rates for RESIDENTIAL MORTGAGES
RESIDENTIAL MORTGAGES Rate
6 Month
6.74
1 Year
4.74
2 Year
5.14
3 Year
5.24
4 Year
5.44
5 Year
5.64
 

Interest rate is the same as APR assuming no fees apply.  If your equity is less than 20% it will require mortgage default insurance and if that premium is included in the mortgage it will increase APR.
** Other conditions apply.

All mortgage rates are calculated semi-annually, not in advance.
All applications are subject to Peace Hills Trust's credit approval criteria.
All interest rates are subject to change at any time without notice.