Rates

Featured Rates

High Interest eSavings Account Rates
All Balances 2.05%

*Interest rate is annualized and subject to change without notice. Interest is calculated daily on the closing balance and paid monthly. High Interest eSavings Accounts and rates are only available for purchase online. Due to local and proxy caching on the Internet, please ensure that you are viewing rates as at the current day's date.

For accounts opened before May 1, 2017, the maximum balance per customer is $1,000,000 (plus accrued interest).
For accounts opened on or after May 1, 2017 the maximum balance per customer is $250,000 (plus accrued interest). 

No Fee eChequing Account Rates
All Balances 0.05%

*Interest rate is annualized and subject to change without notice. eChequing Accounts and rates are only available for purchase online. Due to local and proxy caching on the Internet, please ensure that you are viewing rates as at the current day's date. Due to local and proxy caching on the Internet, please ensure that you are viewing rates as at the current day's date. 

Interest is calculated daily on the closing balance and paid monthly. $1,000,000 maximum balance (plus accrued interest).

TFSA eSavings Account Rates
All Balances 2.10%

*Interest rate is annualized and subject to change without notice. Interest is calculated daily on the closing balance and paid monthly. TFSA eSavings Accounts and rates are only available for purchase online. Due to local and proxy caching on the Internet, please ensure that you are viewing rates as at the current day's date. 

For accounts opened before May 1, 2017, the maximum balance per customer is $1,000,000 (plus accrued interest).
For accounts opened on or after May 1, 2017 the maximum balance per customer is $250,000 (plus accrued interest).

RRSP eSavings Account Rates
All Balances 2.05%

*Interest rate is annualized and subject to change without notice. Interest is calculated daily on the closing balance and paid monthly. RRSP eSavings Accounts and rates are only available for purchase online. Due to local and proxy caching on the Internet, please ensure that you are viewing rates as at the current day's date. 

For accounts opened before May 1, 2017, the maximum balance per customer is $1,000,000 (plus accrued interest).
For accounts opened on or after May 1, 2017 the maximum balance per customer is $250,000 (plus accrued interest).

5 Years Fixed Rate Mortgage - Promotional (Rates effective 2018-07-13) Rates
5-Year Fixed Closed 3.25%

Special promotional rate may be changed or withdrawn at any time without notice. Cannot be combined with any other offer or discount. Assuming no additional fees are charged, the Annual Percentage Rate (APR) is the same as the Interest rate. Rates calculated semi-annually not in advance. Maximum Amortization of 25 years. Maximum property value of $1,000,000. Funds must be advanced within 120 days of application. Applies to owner-occupied residential properties only. Some conditions apply. Due to local and proxy caching on the Internet, please ensure that you are viewing rates as at the current day's date. 

Rate available for online mortgages only.

Term Deposit Promo (Rates effective 2018-05-25) Rates
110 Day Term Deposit 2.10%
1 Year Closed - Annual Interest 2.00%
16 Month Term Deposit 2.25%
18 Month Term Deposit 2.75%
32 Month Term Deposit 2.35%

110 Day: Special promotional rate may be changed or withdrawn at any time without notice. Available for new deposits only or new registered contributions which can include existing funds on deposit. Simple interest calculated on the principal amount for the number of days in the term deposit and paid at maturity (principal x rate x number of days / 365 days). Rate shown for annual interest. Minimum investment $500; Maximum investment $500,000. Available to personal accounts only. Due to local and proxy caching on the Internet, please ensure that you are viewing rates as at the current day's date. 

1 year - Special promotional rate may be changed or withdrawn at any time without notice. Available for new deposits only or new registered contributions which can include existing funds on deposit. Existing term deposits cannot be broken to receive this offer. Rate shown for annual interest. Annual compound interest paid monthly or annually. Minimum investment $500. Available to personal and non-personal accounts. Due to local and proxy caching on the Internet, please ensure that you are viewing rates as at the current day’s date.

16 and 32 Month: Special promotional rate subject to change without notice. Annual compound interest paid monthly or annually. Rate shown for annual interest. Minimum investment $500. Available to personal and non-personal accounts. Due to local and proxy caching on the Internet, please ensure that you are viewing rates as at the current day's date. 

18 Month Term Deposit: Special promotional rate may be changed or withdrawn at any time without notice. Available for new deposits only or new registered contributions which can include existing funds on deposit. Existing term deposits cannot be broken to receive this offer. Rate shown for annual interest. Annual compound interest paid monthly or annually. Minimum investment $500. Available to personal and non-personal account. Due to local and proxy caching on the Internet, please ensure that you are viewing rates as at the current day's date. 

US Term Deposit Promo (Rates effective 2018-05-25) Rates
1 year Term Deposit - USD 1.25%

Special promotional rate may be changed or withdrawn at any time without notice. Rate shown for annual interest. Annual compound interest paid monthly or at maturity. Minimum investment $500. Available to personal and non-personal accounts. Due to local and proxy caching on the Internet, please ensure that you are viewing rates as at the current day's date. 

eTerm Deposit Annual Interest (Rates effective 2018-05-25) Rates
1 Year 1.50%
2 Year 1.60%
3 Year 1.80%
4 Year 1.80%
5 Year 2.10%

Minimum Deposit $500
1-5 Year eTerm Deposits: Annual compound interest paid monthly or annually
eTerm Deposits and rates are only available for purchase online. Due to local and proxy caching on the Internet, please ensure that you are viewing rates as at the current day's date. These interest rates and terms are subject to change without notice.

Investment Savings Account** (non-Registered & RRSP) Rates
$0.01 - $4,999.99 0.15%
$5,000.00 and Over 0.90%
Investment Savings Account** (Tax-Free Savings Account) Rates
$0.01 - $4,999.99 0.90%
$5,000.00 and Over 0.90%
Term Deposits Rates
See more term deposits
1 Year Redeemable 0.85%
1 Year Closed - Annual Interest 1.25%
1 Year Closed- Monthly Interest 1.24%
2 Year Closed - Annual Interest 1.40%
3 Year Closed - Annual Interest 1.50%
2 Year Closed - Monthly Interest 1.39%
3 Year Closed - Monthly Interest 1.49%
3 Year Flexi Term 1.50%
4 Year Closed - Annual Interest 1.60%
4 Year Closed - Monthly Interest 1.59%
5 Year Closed - Annual Interest 1.80%
5 Year Flexi Term 1.80%
5 Year Closed - Monthly Interest 1.79%

Note: The 1, 2, 3, 4 and 5-year annual interest term deposits, 3 and 5-year rate builder and 18-month fixed term deposits are also available as TFSAs.

1 Year Redeemable: Annual compound interest paid at redemption or at maturity
1 – 5 Year Term Deposits: Annual compound interest paid monthly or annually
18-23 Month Term Deposit: Annual compound interest paid annually and at maturity
Flexi Term Deposit: Annual compound interest paid annually and at maturity.

Due to local and proxy caching on the Internet, please ensure that you are viewing rates as at the current day's date. These interest rates and terms are subject to change without notice

 

3 year rate builder - Effective Yield: 1.40% (Rates effective 2018-05-25) Rates
Year 1 1.20%
Year 2 1.40%
Year 3 1.90%

RateBuilder Term Deposits:  Annual compound interest paid annually or at maturity. Due to local and proxy caching on the Internet, please ensure that you are viewing rates as at the current day's date. These interest rates and terms are subject to change without notice.

5 year rate builder - Effective Yield: 2.80% (Rates effective 2018-05-25) Rates
Year 1 1.20%
Year 2 1.40%
Year 3 1.90%
Year 4 3.50%
Year 5 6.00%

Special promotional rate may be changed or withdrawn at any time without notice. 2.80% refers to the effective yield of the 5 year term. Annual compound interest paid annually or at maturity. Rate shown for annual interest. Minimum investment $500. Available to personal and non-personal accounts.

RateBuilder Term Deposits:  Annual compound interest paid annually or at maturityh. Due to local and proxy caching on the Internet, please ensure that you are viewing rates as at the current day's date. These interest rates and terms are subject to change without notice.

 

Alterna Prime Lending Rate (Rates effective 2018-07-13) Rates
Alterna Prime Rate 3.70%

**Interest is calculated on daily closing balance and paid monthly. Rates subject to change at any time.

Rates are subject to change without notice and are for information only. Promotional rates on term deposits are for registered and non-registered deposits. For more information about personal loan rates contact usDue to local and proxy caching on the Internet, please ensure that you are viewing rates as at the current day's date. These interest rates and terms are subject to change without notice.

Only eligible deposits held in Canadian currency, having a term of five years or less and payable in Canada are insurable under the Canada Deposit Insurance Corporation Act. 

Due to local and proxy caching on the Internet, please ensure that you are viewing rates as at the current day's date.



Click here for our FAQs on Account Limits.