Osuuspankki – Meidän pankkiOsuuspankki: more than a credit union, a community
Rates / Fees
Our credit union practices a low, no nonsense fee policy.
Back to Top
Back to Top
Back to Top
Our credit union practices a low, no nonsense fee policy.
For our current loan special, visit our Personal Members landing page.
Rates
LOANS - LAINAT
| VOIMAANTULOPÄIVÄ | NOV 3, 2025 | EFFECTIVE DATE |
| Osuuspankki's Prime Rate: 4.45% | ||
| HENKILÖKOHTAISET LAINAT | PERSONAL LOANS | |
| UUSIEN AUTOJEN LAINAT | from 6.50% | NEW CAR LOANS |
| TÄYSIN TAATUT LAINAT | from 4.45% | FULLY SECURED |
| OPINTOLAINAT | from 5.50% | OP STUDENT LOANS |
| HENKILÖKOHTAISET LAINAT | from 8.00% | PERSONAL LOANS |
| LUOTTOTILIT | from 8.00% | LINE OF CREDITS |
| TAATUT LUOTTOTILIT | from 4.45% | FULLY SECURED LOC |
| LUOTTOTILIT, KIINTEISTÖ TAKUUNA, I | from 4.95% | EQUITY LINE OF CREDIT, 1st |
| LUOTTOTILIT, KIINTEISTÖ TAKUUNA, II | from 5.95% | EQUITY LINE OF CREDIT, 2nd |
| ASUNTOLAINAT | MORTGAGE LOANS | |
| MUUTTUVAKORKOISET, I | from 5.45% | VARIABLE 1st |
| MUUTTUVAKORKOISET, II | from 5.95% | VARIABLE 2nd |
| 1 VUODEN AVONAINEN, I | from 7.60% | 1 YEAR OPEN, 1st |
| 1 VUODEN SULJETUT, I | from 4.70% | 1 YEAR CLOSED,1st |
| 2 VUODEN SULJETUT, I | from 4.80% | 2 YEAR CLOSED,1st |
| 3 VUODEN SULJETUT, I | from 5.15% | 3 YEAR CLOSED,1st |
DEPOSITS - TALLETUKSET
| VOIMAANTULOPÄIVÄ | NOV 3, 2025 | EFFECTIVE DATE |
| MÄÄRÄAIKAISTALLETUKSET | TERM DEPOSITS-CALLABLE | |
| 30-59 pv min. $1000 | 0.40% | 30-59 days min. $1000 |
| 60-89 pv min. $1000 | 0.40% | 60-89 days min. $1000 |
| 90-179 pv min. $1000 | 0.50% | 90-179 days min. $1000 |
| 180-269 pv min. $1000 | 0.50% | 180-269 days min. $1000 |
| 270-364 pv min. $1000 | 0.50% | 270-364 days min. $1000 |
| KIINTEÄT MÄÄRÄAIKAISTALLETUKSET | TERM DEPOSITS-NON CALLABLE | |
| 1 vuoden min. $1000 | 1.75% | 1 year min $1000 |
| 2 vuoden min. $1000 | 1.95% | 2 years min. $1000 |
| 3 vuoden min. $1000 | 2.10% | 3 years min. $1000 |
| Lasten Trust-tilien min. $100 | Children's trust account min. $100 | |
| PERSONAL ONE | PERSONAL ONE | |
| $501-$2500 | 0.20% | $501-$2500 |
| $2501- $5000 | 0.25% | $2501-$5000 |
| yli $5001 | 0.30% | over $5001 |
| PLAN 24 & US PÄIVÄKORKOTILI | PLAN 24 & US DAILY INT. SAVINGS | |
| $1 - $24,999 | 0.35% | $1 - $24,999 |
| $25,000-$49,999 | 0.40% | $25,000-$49,999 |
| yli $50,000 | 0.50% | over $50,000 |
| HIPPO SÄÄSTÖTILI | HIPPO SAVINGS | |
| $1 - $50,000 | 0.65% | $1 - $50,000 |
| TFSA & RRSP TALLETUKSET | TFSA & RRSP DEPOSITS | |
| Muuttuvakorkoiset | 0.40% | Variable rate (callable) |
| 12 kuukautta | 1.75% | 12 months (non-callable) |
| 18-24 kuukautta | 1.95% | 18-24 months (non-callable) |
| 30-36 kuukautta | 2.10% | 30-36 months (non-callable) |
| RRIF TALLETUKSET | RRIF DEPOSITS | |
| Muuttuvakorkoiset | 0.40% | Variable rate |
| 12 kuukautta | 1.75% | 12 months |
| 24 kuukautta | 1.95% | 24 months |
| 36 kuukautta | 2.10% | 36 months |
Back to Top
Fees
PAY AS YOU GO ACCOUNTS
| DESCRIPTION | Personal 1 Chequing | Daily Interest Savings | Business Current | Business Savings | US Savings |
| Deposit | FREE | FREE | FREE | FREE | FREE |
| In Branch Withdrawal / Transfer | FREE | FREE | 0.70 | 1.50 | FREE |
| Cheque / EFT & AFT - out | ** 0.50 | 1.25* | 0.70 | 1.50 | N/A |
| Bill Payment - Over the Counter | 1.00 | 1.00 | 1.00 | 1.50 | N/A |
| Bill Payment - OP Phone / OP Web | 0.40 | 0.40 | 0.50 | 1.50 | N/A |
| Stop Payment - Full Details Available | 10.00 | 10.00 | 10.00 | 10.00 | N/A |
| Stop Payment - Partial Details Available | 15.00 | 15.00 | 15.00 | 15.00 | N/A |
| Returned Item | 10.00 | 10.00 | 10.00 | 10.00 | N/A |
| Cheque or EFT Charge-Back (all) | 25.00 | 25.00 | 25.00 | 25.00 | 25.00 |
| NSF Cheque or EFT Return | 25.00 | 25.00 | 25.00 | 25.00 | N/A |
| Both OP Phone and OP Web/month | 5.00 | 5.00 | 5.00 | 5.00 | N/A |
| Cheque Order ("OP" style) | first 40 cheques FREE | N/A | first 20 cheques FREE | N/A | N/A |
|
Plan 24: * 2 Free automatic or internet transfers / Month Personal 1: ** If minimum balance of $1,000 is maintained during the month, all CHEQUES and EFT debits are FREE. |
|||||
PACKAGE ACCOUNTS
| DESCRIPTION | Blue | Orange | Student & Gold (60+) | Edge (19-29) | Personal or Business US Chequing |
| Monthly Fee | 7.95 | 3.95 | FREE | 2.95 | 4.95 |
| Cheques / AFT & EFTs out/ Withdrawals | FREE | 10 | FREE | 10.00 | 0.70 |
| Bill Payments | FREE | 5 | FREE | 5.00 | N/A |
| OP Phone | FREE | FREE | FREE | FREE | N/A |
| OP Web | FREE | - | FREE | FREE | N/A |
| POS & ATM Cash Withdrawals (in Canada) | FREE | FREE | FREE | FREE | N/A |
| Certified Cheques | - | - | FREE | N/A | |
| Credit Union Official Cheques | - | - | FREE | N/A | |
| Free Cheques (OP Style) | yes | no | yes | yes | no |
| No Fee MasterCard | (OAC) | (OAC) | (OAC) | (OAC) | (OAC) |
| Reduced Fee on Small Safety Deposit Box | - | - | Gold 25% on small box | - | N/A |
| Returned Cheque (all reasons) | 25.00 | 25.00 | 25.00 | 25.00 | 25.00 |
| DESCRIPTION | Community | Business Plus |
Euro Cash |
||
| Monthly Fee | 3.95 | 14.95 | N/A | ||
| Cheques / AFT & EFTs out/ Withdrawals | First 15 debits free | First 30 debits free | N/A | ||
| Bill Payments | then 0.60 per | then 0.60 per | N/A | ||
| OP Phone | debit thereafter | debit thereafter | |||
| OP Web | |||||
| POS & ATM Cash Withdrawals (in Canada) | FREE | FREE | |||
| Free Cheques (OP Style) | 1st 20 | 1st 20 | |||
|
** Custom packages negotiable for larger Business & Community accounts. |
|||||
OTHER SERVICE CHARGES
| Personal | Business | ||||
| Statement Mailing | FREE | FREE | |||
| Replacement statement within last 12 months | 1.00 | 2.00 | |||
| Replacement Statement older than 12 months | 2.00 | 4.00 | |||
| MemberCard -Replacement of Lost Card | 10.00 | 10.00 | |||
| POS & ATM Cash Withdrawal (in Canada) | FREE | FREE | |||
| POS & ATM Cash Withdrawal (International) | 2.00 | 2.00 | |||
| U.S. Draft | 5.00 | 10.00 | |||
| Certified Cheque/Bank Draft | 5.00 | 10.00 | |||
| Safety Deposit Box Rental - Annual Fee | 35.00/60.00/110.00 | 35.00/60.00/110.00 | |||
| Dormant Account (12 months) | 25.00 | 25.00 | |||
| Unauthorized Overdraft (each item) | 5.00 | 5.00 | |||
|
Funds Transfers Interac eTransfers |
1.50 |
1.50 |
|
||
| International transfers (up to $2500 CAD) | 20.00 | 25.00 | |||
| International transfers (over $2500 CAD) | 30.00 | 35.00 | |||
| Transfers within Canada | 15.00 | 20.00 | |||
| Wire Transfer in | 5.00 | 10.00 | |||
| *** Above do not include fees from other FI''s. *** | |||||
| Credit Union Official Cheques | |||||
| Processed at Branch | 5.00 | 10.00 | |||
| Sent by mail | 8.00 | 15.00 | |||
| Membership Closing Fees | |||||
|
Account Closing (Postage extra) |
10.00 | 10.00 | |||
| Search Fees | |||||
| Document Search (Minimum 1 Hour), per hour | 30.00 | 30.00 | |||
| Foreign Exchange Conversion | |||||
| Members | FREE | ||||
| Payroll Service Fees | |||||
| Set-Up (up to 25 transfers) | 25.00 | ||||
| Set-Up (up to 26 - 50 transfers) | 50.00 | ||||
| To Key In Each Payroll change | 2.00 | ||||
| Monthly Maintenance s/c | |||||
| (changes done by-weekly - 15 or less transfers) | 25.00 | ||||
| (changes done weekly - up to 25 transfers) | 50.00 | ||||
| Loan & Mortgage Fees (Personal/Commercial) | |||||
|
Depending on the type of loan or mortgage and its complexity, there may be fees charged by the credit union |
|||||
TFSAs, RRSPs, RRIFs |
|||||
| Refer to Loan Deparment | |||||
| Personal Cheque Prices | |||||
| # of cheques | OP | ||||
| 20 | 3.00 | ||||
| 40 | 5.00 | ||||
| 80 | 10.00 | ||||
| 100 | 15.00 | ||||
| 200 | 20.00 | ||||
|
* Cad account first 40 cheques printed for free. * We partner with Davis + Henderson for specialized cheque orders |
|||||
| Business Cheque Prices | |||||
| # of cheques | OP | ||||
| 20 | 15.00 | ||||
| 50 | 25.00 | ||||
| 100 | 40.00 | ||||
| 200 | 60.00 | ||||
|
* Cad account first 20 cheques printed for free * We partner with Davis + Henderson for specialized cheque orders |
|||||
