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Interest Rates

Rates effective April 1, 2026

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Prime Rate Personal Prime Rate*
4.45% 5.95%

Term Special Offers

Term Interest Rates
15 months 2.70%
29 months 2.90%
52 months 3.10%

Conventional Term Deposits Non-Redeemable

Term Interest Rate
1 year 2.45%
2 years 2.55%
3 years 2.55%
4 years 2.70%
5 years 2.75%

Term Savings Redeemable

Term Interest Rate
12 months 2.15%


Special Offers Mortgage Rates

Term Interest Rate* APR**
12 months – open 9.75% 10.128%
12 months – closed 5.24% 5.614%
24 months – closed 4.64% 4.836%
36 months – closed 4.24% 4.373%
36 months – Insured/closed 4.24% 4.240%
48 months – closed 4.59% 4.692%
60 months – closed 4.34% 4.473%
60 months – Insured/closed 4.29% 4.336%
84 months – closed 5.29% 5.350%

Posted Mortgage Rates

Term Interest Rate* APR**
12 months – open 9.75% 10.128%
12 months – closed 5.74% 6.115%
24 months – closed 5.49% 5.687%
36 months – closed 6.19% 6.325%
48 months – closed 6.29% 6.393%
60 months – closed 6.49% 6.574%
84 months – closed 6.40% 6.461%

 


Personal Accounts

Accounts Interest Rate
Student Savers Account (0 to 12 years old) 0.10%
Youth Profit Account (12 to 26 years old) 0.10%
Daily Interest Savings Account 0.05%
High-Yield Savings Account

$0 to $999.99 at the rate of 0.05%

$1,000 to $4,999.99 at the rate of 0.40%

$5,000 or more at the rate of 0.75%

Registered Variable Savings Account
(TFSA, FHSA, RRSP, LIRA, RRIF, LIF)
0.65%
High-Yield Registered Savings Account
(TFSA, RRSP)
0.75%
USD Build-Up Savings Account

$0 to $99,999.99 at the rate of 0.05%

$100,000 to 499,999.99 at the rate of 0.10%

$500,000 or more at the rate of 0.15%


Business Accounts

Accounts Interest Rate
Business Daily Savings Account

$0 to $4,999.99 at the rate of 0.30%

$5,000 to $99,999.99 at the rate of 1.10%

$100,000 or more at the rate of 1.50%

Business High-Yield Savings Account

$100,000 to $249,999.99 at the rate of 1.60%

$250,000 to $999,999.99 at the rate of 1,90%

$1,000,000 to $2,499,999.99 at the rate of 2.15%

$2,500,000 or more at the rate of 2.40%

USD Account

$0 to $99,999.99 at the rate of 0.20%

$100,000 to $499,999.99 at the rate of 0.30%

$500,000 to $999,999.99 at the rate of 0.35%

$1,000,000 or more at the rate of 0.40%

* Certain conditions apply. Rates are subject to change without notice and may vary according to credit risk.

**The Annual Percentage Rate (APR) is based on a $250,000 mortgage for the chosen term, assuming a $300 file processing fee (which includes fees associated with establishing the property value).

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