Personal
Business
About

Our current rates for personal members

Take advantage of our featured rates

FirstOntario investment shares

6.00%*

Learn more

5-year variable high ratio mortgage

3.55%*

Get this rate

13-month FlexSavings Cashable GIC

3.20%*

Get this rate

Personal accounts

Daily Interest Savings account

Balance
Rate*

Balance

$0 – $1,000.00
Rate*

0.05%

Balance

$1,000.01 – $5,000.00
Rate*

0.05%

Balance

$5,000.01 – $10,000.00
Rate*

0.05%

Balance

$10,000.01+
Rate*

0.05%
* Per annum rate. Rate and terms subject to change without notice. Conditions apply.
Daily Interest Savings account for seniors (60+)

Balance
Rate*

Balance

$0 – $1,000.00
Rate*

0.05%

Balance

$1,000.01 – $5,000.00
Rate*

0.05%

Balance

$5,000.01 – $10,000.00
Rate*

0.05%

Balance

$10,000.01+
Rate*

0.05%
* Per annum rate. Rate and terms subject to change without notice. Conditions apply.
High Interest eSavings account

Balance
Rate*

Balance

$0 – $100,000.00
Rate*

0.60%

Balance

$100,000.01 – $200,000.00
Rate*

0.75%

Balance

$200,000.01+
Rate*

0.80%
* Per annum rate. Rate and terms subject to change without notice. Conditions apply.apply.
Investment Savings account

Account options
Rate*

Account options

Non-registered savings
Rate*

0.30%

Account options

TFSA investment savings
Rate*

0.60%

Account options

FHSA investment savings
Rate*

3.20%

Account options

RRSP investment savings
Rate*

0.05%

Account options

RRIF investment savings
Rate*

0.05%
* Per annum rate. Rate and terms subject to change without notice. Conditions apply.
U.S. Dollar Investment Savings account

Balance
Rate*

Balance

All balances
Rate*

0.15%
* Per annum rate. Rate and terms subject to change without notice. Conditions apply.
View accounts

Loans and lines of credit

Personal loans

Loan type
Rate*

Loan type

Fixed rate secured loan
Rate*

as low as 6.89%

Loan type

Fixed rate unsecured loan
Rate*

as low as 8.49%

Loan type

Variable rate secured loan
Rate*

as low as 6.99%

Loan type

Variable rate unsecured loan
Rate*

as low as 7.49%
* Annual Percentage Rate (APR). Rate subject to change without notice. Conditions apply.
Personal line of credit

Line of credit type
Rate*

Line of credit type

Secured line of credit
Rate*

as low as 6.49%

Line of credit type

Unsecured line of credit
Rate*

as low as 7.49%

Line of credit type

Student line of credit
Rate*

as low as 5.50%
* Annual Percentage Rate (APR). Rate subject to change without notice. Conditions apply.
MeritLine home equity line of credit

Product
Rate*

Product

MeritLine home equity line of credit
Rate*

as low as 4.85%
* Annual Percentage Rate (APR). Rate subject to change without notice. Conditions apply.
View loans

Mortgages

Fixed rate mortgage

Term
Rate*

Term

6-month convertible closed
Rate*

6.34%

Term

6-month open
Rate*

8.09%

Term

1-year closed
Rate*

5.29%

Term

1-year open
Rate*

8.09%

Term

2-year closed
Rate*

4.74%

Term

3-year closed
Rate*

4.64%

Term

4-year closed
Rate*

4.79%

Term

5-year closed
Rate*

4.74%

Term

7-year closed
Rate*

5.74%

Term

10-year closed
Rate*

5.94%
* Annual Percentage Rate (APR). Rate subject to change without notice. Conditions apply.
Variable rate mortgage

Term
Rate*

Term

5-year open
Rate*

5.95%

Term

5-year closed
Rate*

4.05%
* Annual Percentage Rate (APR). Rate subject to change without notice. Conditions apply.
View mortgages

GICs

GIC Specials

GIC Specials
Rate*

GIC Specials

1-year redeemable GIC
Non-registered and registered accounts (except RESPs)
Rate*
2.85%

GIC Specials

13-month FlexSavings Cashable GIC
Non-registered accounts, TFSAs, and FHSAs
Rate*
3.20%

GIC Specials

14-month non-redeemable GIC
Non-registered accounts, TFSAs, RRSPs, RRIFs, and FHSAs
Rate*
3.40%

GIC Specials

26-month non-redeemable GIC
Non-registered accounts, TFSAs, RRSPs, RRIFs, and FHSAs
Rate*
3.70%
* Rate and terms subject to change without notice. Conditions apply.
Short-term GICs

Redeemable GICs
Rate*

Redeemable GICs

90–179 days
Rate*
2.10%

Redeemable GICs

180–269 days
Rate*
2.10%

Redeemable GICs

270–364 days
Rate*
2.25%

Redeemable GICs

Non-redeemable GICs
Rate*

Rate*

Redeemable GICs

90–179 days
Rate*
2.60%

Redeemable GICs

180–269 days
Rate*
2.60%

Redeemable GICs

270–364 days
Rate*
2.75%
* Rate and terms subject to change without notice. Conditions apply.
Long-term GICs

Redeemable GICs
Rate*

Redeemable GICs

1 year
Rate*
2.30%

Redeemable GICs

2 year
Rate*
2.70%

Redeemable GICs

3 year
Rate*
2.80%

Redeemable GICs

4 year
Rate*
2.80%

Redeemable GICs

5 year
Rate*
2.85%

Redeemable GICs

Non-redeemable GICs
Rate*

Rate*

Redeemable GICs

1 year
Rate*
3.00%

Redeemable GICs

2 year
Rate*
3.20%

Redeemable GICs

3 year
Rate*
3.35%

Redeemable GICs

4 year
Rate*
3.35%

Redeemable GICs

5 year
Rate*
3.50%
* Rate and terms subject to change without notice. Conditions apply.
Accelerator GIC

Accelerator GIC
Rate*

Accelerator GIC

Year 1
Rate*
3.00%

Accelerator GIC

Year 2
Rate*
3.10%

Accelerator GIC

Year 3
Rate*
3.15%

Accelerator GIC

Year 4
Rate*
3.50%

Accelerator GIC

Year 5
Rate*
5.00%

Accelerator GIC

Effective yield
Rate*
3.55%
* Rate and terms subject to change without notice. Conditions apply.
Escalator GIC

Escalator GIC
Rate*

Escalator GIC

Months 1–8
Rate*
3.00%

Escalator GIC

Months 9–16
Rate*
3.20%

Escalator GIC

Months 17–24
Rate*
4.00%

Escalator GIC

Average yield
Rate*
3.40%
* Rate and terms subject to change without notice. Conditions apply.
Market-linked GICs

Canadian market-linked GICs
Rate*

Canadian market-linked GICs

3 year
Rate*
up to 7.43%

Fact sheet

Canadian market-linked GICs

5 year
Rate*
up to 8.45%

Fact sheet

Canadian market-linked GICs

Global market-linked GICs
Rate*

Rate*

Canadian market-linked GICs

3 year
Rate*
up to 8.29%

Fact sheet

Canadian market-linked GICs

5 year
Rate*
up to 9.16%

Fact sheet
* Maximum annual compound rate of return. Rate and terms subject to change without notice. Conditions apply.
U.S. dollar GICs

Short-term GICs
Rate*

Short-term GICs

30–59 days
Rate*
2.80%

Short-term GICs

60–89 days
Rate*
2.85%

Short-term GICs

90–179 days
Rate*
2.90%

Short-term GICs

180–269 days
Rate*
3.00%

Short-term GICs

270–364 days
Rate*
3.10%

Short-term GICs

Long-term GICs
Rate*

Rate*

Short-term GICs

1 year
Rate*
3.80%

Short-term GICs

2 year
Rate*
3.70%

Short-term GICs

3 year
Rate*
3.75%

Short-term GICs

4 year
Rate*
3.80%

Short-term GICs

5 year
Rate*
3.80%
* Rate and terms subject to change without notice. Conditions apply.
View GICs

Foreign exchange

Currency

Buy rate*

Sell rate*

Currency

U.S. dollar (cash)

Buy rate*

1.4472

Sell rate*

1.3872

Currency

U.S. dollar (cheque/transfer)

Buy rate*

1.4377

Sell rate*

1.3957

Let’s talk about how we can make the most of your money.

Contact us
Terms and conditions

* Rates subject to change at any time. Conditions apply.

Open a business account

If you’re new to Creative Arts Financial, book a virtual appointment to get started on your membership application.

Book an appointment

Already a member? Contact us to open a new account.

Become a business member

If you’re new to Creative Arts Financial, book a virtual appointment to get started on your membership application.

Book an appointment

You can also apply online through our self‑serve platform, powered by FirstOntario Credit Union. Select Creative Arts in the Preferred branch drop‑down.

Become a member

If you’re new to Creative Arts Financial, book a virtual appointment or complete your membership application online.

Book an appointment
Business U.S. Dollar Investment Savings account

Balance
Rate*

Balance

All balances
Rate*

0.20%
* Per annum rate. Rate and terms subject to change without notice. Conditions apply.
Business Savings account

Balance
Rate*

Balance

$0 – $100,000.00
Rate*

1.55%

Balance

$100,000.01 – $250,000.00
Rate*

1.60%

Balance

$250,000.01 – $500,000.00
Rate*

1.70%

Balance

$500,000.01 – $750,000.00
Rate*

1.80%

Balance

$750,000.01 – $1,000,000.00
Rate*

1.90%

Balance

$1,000,000.01 – $2,500,000.00
Rate*

2.00%

Balance

$2,500,000.01+
Rate*

2.10%
* Per annum rate. Rate and terms subject to change without notice. Conditions apply.

Open an account

If you’re new to Creative Arts Financial, book a virtual appointment or complete your membership application online.

Book an appointment

Already a member? Log in to online banking.

Creative Arts Financial is closed on the following days

Wednesday, July 1, 2026 Canada Day
Monday, August 3, 2026 Civic Holiday
Monday, September 7, 2026 Labour Day
Wednesday, September 30, 2026 National Day for Truth and Reconciliation*
Monday, October 12, 2026 Thanksgiving Day
Wednesday, November 11, 2026 Remembrance Day*
Thursday, December 24, 2026 Christmas Eve**
Friday, December 25, 2026 Christmas Day
Monday, December 28, 2026 Observation of Boxing Day*
Thursday, December 31, 2026 New Year's Eve**
Friday, January 1, 2027 New Year's Day 2027
* Member Service Centre, Member Solutions Team and Personal Assisted Tellers will be available from 8 a.m. to 5 p.m. ** On December 24 and December 31, branches will close at 1 p.m. Our Member Service Centre and Personal Assisted Teller services will be available from 7 a.m. to 4 p.m. and the Member Solutions Team can be reached from 8 a.m. to 4 p.m.
U.S. Dollar Investment Savings account

Balance
Rate*

Balance

All balances
Rate*

0.15%
* Per annum rate. Rate and terms subject to change without notice. Conditions apply.
Daily Interest Savings account for seniors (60+)

Balance
Rate*

Balance

$0 – $1,000.00
Rate*

0.05%

Balance

$1,000.01 – $5,000.00
Rate*

0.05%

Balance

$5,000.01 – $10,000.00
Rate*

0.05%

Balance

$10,000.01+
Rate*

0.05%
* Per annum rate. Rate and terms subject to change without notice. Conditions apply.
Investment Savings account

Account options
Rate*

Account options

Non-registered savings
Rate*

0.30%

Account options

TFSA investment savings
Rate*

0.60%

Account options

FHSA investment savings
Rate*

3.20%

Account options

RRSP investment savings
Rate*

0.05%

Account options

RRIF investment savings
Rate*

0.05%
* Per annum rate. Rate and terms subject to change without notice. Conditions apply.
Daily Interest Savings account

Balance
Rate*

Balance

$0 – $1,000.00
Rate*

0.05%

Balance

$1,000.01 – $5,000.00
Rate*

0.05%

Balance

$5,000.01 – $10,000.00
Rate*

0.05%

Balance

$10,000.01+
Rate*

0.05%
* Per annum rate. Rate and terms subject to change without notice. Conditions apply.
High Interest eSavings account

Balance
Rate*

Balance

$0 – $100,000.00
Rate*

0.60%

Balance

$100,000.01 – $200,000.00
Rate*

0.75%

Balance

$200,000.01+
Rate*

0.80%
* Per annum rate. Rate and terms subject to change without notice. Conditions apply.apply.