Term Deposits

Promotional Term Deposits (Rates effective 2019-03-01) Rates
120 Day Term Deposit 2.20%
1 Year Term Deposit 2.50%
18 Month Term Deposit 2.80%
32 Month Term Deposit 3.00%
4 Year Term Deposit 3.05%
1 Year Nest Egg Term Deposit 2.00%
3 Year Nest Egg Term Deposit 2.25%

120 Days: Special promotional rate may be changed or withdrawn at any time without notice.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. 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. Cashable upon maturity only. 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1 Year: Special promotional rate may be changed or withdrawn at any time without notice. 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 ; Maximum investment $500,000. Cashable upon maturity only. 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18, 32 Months and 4 Year: Special promotional rate may be changed or withdrawn at any time without notice. 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. Cashable upon maturity only. 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.

Special promotional rate may be changed or withdrawn at any time without notice. Existing term deposits cannot be broken to receive this offer. Rates shown for annual interest. Interest calculated on the daily closing balance and paid annually and at maturity. Minimum monthly contribution of $10; maximum monthly contribution $1,000. Cashable upon maturity only. Available to personal accounts only. Due to local and proxy caching on the Internet, please ensure you are viewing rates as at the current day’s date .

eTerm Deposit Annual Interest (Rates effective 2019-03-01) Rates
1 Year 2.55%
2 Year 3.00%
3 Year 2.20%
4 Year 3.10%
5 Year 2.55%
1 Year: Special promotional rate may be changed or withdrawn at any time without notice. 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 ; Maximum investment $500,000. Cashable upon maturity only. 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.

Minimum deposit is $500
1-5 Year eTerm Deposits: Annual compound interest paid monthly or annually
eTerm Deposits and rates are only available for purchase online. 


Short Term (Rates effective 2019-03-01) Rates
30 - 59 Days 0.25%
60 - 89 Days 0.40%
90 - 119 Days 0.50%
120 - 179 Days 0.60%
180 - 269 Days 0.60%
270 - 364 Days 0.65%

* Interest is paid at maturity. Minimum deposit is $500 ($100 for Student Life and Youth Start accounts). Term Deposits of 364 days or less: 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).

Long Term Annual Interest (Rates effective 2019-03-01) Rates
1 Year Redeemable 0.85%
1 Year 2.00%
18 - 23 Months 2.05%
2 Years 2.10%
3 Years 2.15%
4 Years 2.25%
5 Years 2.50%

* Minimum deposit $500 ($100 for Student Life and Youth Start accounts). 1 – 5 Year Term Deposits: Annual compound interest paid monthly or annually
1 Year Redeemable: Annual compound interest paid at redemption or at maturity
18-23 Month Term Deposit: Annual compound interest paid annually and at maturity

Flexi Term Deposit (Rates effective 2019-03-01) Rates
3 Year Flexi Term 1.50%
5 Year Flexi Term 1.80%

Flexi Term Deposit: Minimum $2500. Annual compound interest paid annually and at maturity.

Nest Egg Term Deposits (Rates effective 2019-03-01) Rates
1 Year Nest Egg 0.30%
3 Year Nest Egg 0.50%
5 Year Nest Egg 0.85%

*$10 minimum per month.
** non-registered, RRSP & TFSA eligible..

3 Year RateBuilder - Effective Yield 1.50% (Rates effective 2019-03-01) Rates
Year 1 1.20%
Year 2 1.40%
Year 3 1.90%

RateBuilder Term Deposits:  Minimum deposit $500. Annual compound interest paid annually or at maturity.

5 Year RateBuilder - Effective Yield 2.80% (Rates effective 2019-03-01) Rates
Year 1 1.20%
Year 2 1.40%
Year 3 1.90%
Year 4 3.50%
Year 5 6.00%

RateBuilder Term Deposits:  Minimum deposit $500. Annual compound interest paid annually or at maturity.

US Dollar Short Term Deposit (Rates effective 2019-03-01) Rates
30 - 59 Days 0.05%
60 - 89 Days 0.10%
90 - 119 Days 0.20%
120 - 179 Days 0.25%
180 - 269 Days 0.35%
270 - 364 Days 0.40%

US Dollar Short Term Deposit: *$500 minimum or $100 minimum for Youth Start and Student Life. US Dollar Term Deposits are not DICO eligible.
US Dollar Term Deposits of 364 days or less: 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).

US Dollar Long Term Deposit (Rates effective 2019-03-01) Rates
1 Year 0.45%
2 Year 0.50%
3 Year 0.60%
4 Year 0.80%
5 Year 1.10%

US Dollar Long Term Deposit: *$500 minimum or $100 minimum for Youth Start and Student Life. US Dollar Term Deposits are not DICO eligible.

US Dollar Term Deposits of 1 to 5 years: Annual compound interest paid monthly or annually.

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