Rates

Savings and chequing accounts

TFSA savings account
2.35%
RRIF savings account
2.10%
2.10%
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High-interest savings account
2.10%
No-fee chequing account
0.50%
RRSP savings account
2.10%
  • Mortgage rates
    6-month convertible fixed mortgage
    4.00%
    4.00%
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    1-year fixed mortgage (open)
    6.00%
    6.00%
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    1-year fixed mortgage
    2.49%
    2.49%
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    2-year fixed mortgage
    2.49%
    2.49%
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    3-year fixed mortgage
    2.49%
    2.49%
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    4-year fixed mortgage
    2.49%
    2.49%
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    5-year fixed mortgage
    2.49%
    2.49%
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    5-year fixed mortgage (high ratio)
    2.49%
    2.49%
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    Variable rate mortgages

    5-year variable mortgage (open)
    4.95%
    4.95%
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    5-year variable mortgage
    2.74%
    2.74%
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    5-year variable mortgage (high ratio)
    2.74%
    2.74%
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Fixed rate mortgages

Variable rate mortgages

6-month convertible fixed mortgage
4.00%
4.00%
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1-year fixed mortgage (open)
6.00%
6.00%
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1-year fixed mortgage
2.49%
2.49%
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2-year fixed mortgage
2.49%
2.49%
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3-year fixed mortgage
2.49%
2.49%
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4-year fixed mortgage
2.49%
2.49%
Apply now
5-year fixed mortgage
2.49%
2.49%
Apply now
5-year fixed mortgage (high ratio)
2.49%
2.49%
Apply now
5-year variable mortgage (open)
4.95%
4.95%
Apply now
5-year variable mortgage
2.74%
2.74%
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5-year variable mortgage (high ratio)
2.74%
2.74%
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Loans and lines of credit

Personal loan
As low as 5.15%
As low as 5.15% Apply Now
Personal line of credit
As low as 5.65%
As low as 5.65% Apply Now
Secured home equity line of credit
Interest rate 3.75%
Interest rate 3.75% Apply Now

Long term non-redeemable GICs (RRSP)

1-year RRSP GIC
2.25%
2.25%
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3-year RRSP GIC
2.40%
2.40%
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18-month RRSP GIC
2.30%
2.30%
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4-year RRSP GIC
2.45%
2.45%
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2-year RRSP GIC
2.35%
2.35%
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5-year RRSP GIC
2.60%
2.60%
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Long term non-redeemable GICs (TFSA)

1-year TFSA GIC
2.25%
2.25%
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3-year TFSA GIC
2.40%
2.40%
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18-month TFSA GIC
2.30%
2.30%
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4-year TFSA GIC
2.45%
2.45%
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2-year TFSA GIC
2.35%
2.35%
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5-year TFSA GIC
2.60%
2.60%
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Long term non-redeemable GICs

1-year fixed rate GIC
2.20%
2.20%
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3-year fixed rate GIC
2.35%
2.35%
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18-month GIC
2.25%
4-year fixed rate GIC
2.40%
2.40%
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2-year fixed rate GIC
2.30%
2.30%
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5-year fixed rate GIC
2.55%
2.55%
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Long term non-redeemable GICs (RRIF)

1-year RRIF GIC
2.25%
3-year RRIF GIC
2.40%
18-month RRIF GIC
2.30%
4-year RRIF GIC
2.45%
2-year RRIF GIC
2.35%
5-year RRIF GIC
2.60%

Escalator  GICs

3-year escalator RRSP GIC
3-year escalator RRSP GIC
Year 1
2.00%
Year 2
2.35%
Year 3
2.70%
Yield
2.35%
5-year escalator RRSP GIC
5-year escalator RRSP GIC
Year 1
2.00%
Year 2
2.35%
Year 3
2.65%
Year 4
2.75%
Year 5
3.25%
Yield
2.60%
3-year escalator TFSA GIC
3-year escalator TFSA GIC
Year 1
2.00%
Year 2
2.35%
Year 3
2.70%
Yield
2.35%
5-year escalator TFSA GIC
5-year escalator TFSA GIC
Year 1
2.00%
Year 2
2.35%
Year 3
2.65%
Year 4
2.75%
Year 5
3.25%
Yield
2.60%
3-year escalator RRIF GIC
3-year escalator RRIF GIC
Year 1
2.00%
Year 2
2.35%
Year 3
2.70%
Yield
2.35%
5-year escalator RRIF GIC
5-year escalator RRIF GIC
Year 1
2.00%
Year 2
2.35%
Year 3
2.65%
Year 4
2.75%
Year 5
3.25%
Yield
2.60%
Escalator GICs are redeemable on each anniversary date.

Short term non-redeemable GICs (RRSP)

30-day RRSP GIC
1.80%
1.80%
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180-day RRSP GIC
2.10%
2.10%
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60-day RRSP GIC
1.90%
1.90%
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270-day RRSP GIC
2.20%
2.20%
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90-day RRSP GIC
2.00%
2.00%
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Short term non-redeemable GICs (TFSA)

30-day TFSA GIC
1.80%
1.80%
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180-day TFSA GIC
2.10%
2.10%
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60-day TFSA GIC
1.90%
1.90%
Open a GIC
270-day TFSA GIC
2.20%
2.20%
Open a GIC
90-day TFSA GIC
2.00%
2.00%
Open a GIC

Short term non-redeemable GICs

30-day GIC
1.80%
1.80%
Open a GIC
60-day GIC
1.90%
1.90%
Open a GIC
90-day GIC
2.00%
2.00%
Open a GIC
180-day GIC
2.05%
2.05%
Open a GIC
270-day GIC
2.15%
2.15%
Open a GIC

Short term non-redeemable GICs (RRIF)

30-day RRIF GIC
1.80%
180-day RRIF GIC
2.10%
60-day RRIF GIC
1.90%
270-day RRIF GIC
2.20%
90-day RRIF GIC
2.00%

Account and transaction fees

High-interest savings account transaction fee
$0.00
Cheques

(Transaction fee)

$0.00
No-fee chequing transaction fee
$0.00
Foreign debit transaction surcharge
2.50%
ATM - Interac transaction fee
$2.00
Send Interac e-Transfer

(Just for Savings accounts)

$1.25
ATM - US transaction fee
$3.00
Record keeping

(Paper statement monthly)

$2.00
ATM - International transaction fee
$5.00
Online cheque viewing

(With online statements)

$0.00
Point of Sale transactions
$0.00
Request Interac e-Transfer

(For each fulfilled request)

$1.25

Other fees

Incoming wires
$10.00
Stop payment: partial details
$15.00
NSF fee
$45.00
Replacement debit card
$5.00
Accepted NSF

(Overdraft handling fee)

$5.00
Coverdraft
$2.00
Canadian Dollar (CAD) draft
$6.50
Overdraft interest rate
21.00%
Post dated cheque held for deposit
$2.00
Closing account within 90 days of account opening
$25.00
Charge back

(Retail)

$0.00
Balance of account transfer
$15.00
Cheque sent on collection
$20.00
Inactive account fee

(Annualized fee)

$30/year
Stop payment: full details
$12.00
Cheque Order

(Additional orders starting at $34.80)

First 25 free
  • Registered Plans
    Registered balance transfer to another financial institution
    $50.00

Registered Plans

Registered balance transfer to another financial institution
$50.00

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