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Rates and Fees



Retail banking rates


Savings accounts1

  • Advantage Savings account
    Rate Product
    0.05% Non-registered
    0.40% Tax-Free Savings Account (TFSA)
    0.10% Registered Retirement Savings Plan (RRSP)
    0.10% Registered Retirement Income Fund (RRIF)





     
  • U.S. Dollar account2
    Rate Account balance
    0.025% $0 - $4,999
    0.05% $5,000 - $24,999
    0.10% $25,000+







     
  • Grandfathered accounts

    The accounts shown are no longer offered. This information is for existing account holders only.

    Power Savings

    Rate Balance tiers
    0.05% $0 - $4,999
    0.10% $5,000 - $24,999
    0.10% $25,000 - $49,999
    0.10% $50,000 - $99,999
    0.10% $100,000+


    Plan 24

    Rate Balance tiers
    0.05% $0 - $4,999
    0.05% $5,000 - $24,999
    0.05% $25,000 - $49,999
    0.05% $50,000 - $99,999
    0.05% $100,000+

    *Plan 24 Senior Accounts earn an additional 25 bps interest

Mortgages and Lines of credit

  • Lines of credit
    Rate Product Get started
    3.50% (LOC PRIME) Secured/Equity Apply online
         
    2.95% (Prime + 0.50%) Flex Line Mortgage -
    HELOC component
     
         
    4.50% (LOC PRIME + 1.00%) Student  
         
    Dependant on Credit History and
    capacity to repay the loan
    Unsecured  
         
    2.45% (Prime)5 RRSP  




     

GICs

  • 18-month GIC

    Available in non-registered, RRSP and TFSA. Minimum $100 deposit.

    Rate Product Get started
    1.20% 18-Month GIC Learn more
  • Non-redeemable long term GICs

    Available in non-registered, RRSP, RRIF and TFSA. Minimum $100 deposit.

    Rate Product
    0.85% 1 Year GIC
    1.15% 2 Year GIC
    1.30% 3 Year GIC
    1.35% 4 Year GIC
    1.45% 5 Year GIC
  • Non-redeemable short term GICs

    Available in non-registered, RRSP, RRIF and TFSA. Minimum $100 deposit.

    Rate Product
    0.45% 30 Days
    0.45% 60 Days
    0.45% 90 Days
    0.50% 180 Days
    0.60% 270 Days
  • Redeemable long term GICs

    Available in non-registered and TFSA. Minimum $100 deposit.

    Rate Product
    0.10% 1 Year
    0.40% 2 Year
    0.55% 3 Year
    0.60% 4 Year
    0.70% 5 Year
  • Redeemable short term GICs

    Non-registered only. Minimum $100 deposit.

    Rate Product
    0.05% 30 Days
    0.05% 60 Days
    0.05% 90 Days
    0.10% 180 Days
    0.20% 270 Days
  • Raise the Rate GIC

    Available for non-registered, TFSA, RRSP and RRIF. Minimum $100 deposit.

    Rate Product Get started
    3-Year 1.30%
    5-Year 1.45%
    Raise the Rate GIC Learn more
  • 5-year GIC laddered strategy6
    Term Posted rate Bonus rate
    1 Year 0.85% 0.95%
    2 Year 1.15% 1.25%
    3 Year 1.30% 1.40%
    4 Year 1.35% 1.45%
    5 Year 1.45% 1.55%
    Yield 1.22% 1.32%
  • 3-year escalator GIC7

    Available for RRSP, RRIF and TFSA. Redeemable. Minimum $100 deposit.

    Rate Year
    0.90% Year 1
    1.30% Year 2
    1.70% Year 3
    1.30% Yield
  • 5-year escalator GIC7

    Available for RRSP, RRIF and TFSA. Redeemable. Minimum $100 deposit.

    Rate Year
    1.00% Year 1
    1.20% Year 2
    1.40% Year 3
    1.70% Year 4
    1.95% Year 5
    1.45% Yield
  • U.S. long term GICs2

    Non-redeemable, minimum $5000 deposit, compounded annually.

    Rate Product
    0.30% 1 Year
    0.45% 2 Year
    0.50% 3 Year 
    0.70% 4 Year 
    1.00% 5 Year 
  • U.S. short term GICs2

    Redeemable, minimum $5000 deposit. 

    Rate Product
    0.05% 30 Days
    0.05% 60 Days
    0.15% 90 Days
    0.30% 180 Days
    0.35% 270 Days

For information on account and service fees, see:
Personal Accounts and Services

Business banking rates


Savings accounts8

  • Business Advantage Plus account
    Rate Closing daily account balance
    0.60% $1,000,000+
    0.50% $100,000-$999,999
    0.50% < $100,000






     
    Rate Product
    0.15% U.S. Dollar (minimum $100,000)


     

GICs

  • Special offers for business
    Rate Product
    1.20% 3-Year GIC, cashable
    1.00% 18-Month GIC, non-redeemable
    0.70% 1-Year GIC, cashable




    Find out more about our special offers for business here. 

Retail GICs are also available for small business and commercial Members at the prevailing, published rates. View all GIC rates

For information on account and service fees, see:
Small Business Accounts and Services
Business (Commercial) Accounts and Services