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Rates

Savings and chequing accounts

No-fee chequing account
0.15%
High-interest savings account
1.00%
TFSA savings account
1.10%
RRSP savings account
1.00%
RRIF savings account
1.00%
1.00%
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  • Mortgage rates
    6-month convertible fixed mortgage
    4.00%
    Posted: 4.00%
    Apply Now
    1-year fixed mortgage (open)
    6.00%
    Posted: 6.00%
    Apply Now
    1-year fixed mortgage
    3.09%
    2.09%1
    Posted: 3.09%
    Special: 2.09%1
    Apply now
    2-year fixed mortgage
    3.19%
    2.09%2
    Posted: 3.19%
    Special: 2.09%2
    Apply Now
    3-year fixed mortgage
    3.49%
    2.09%3
    Posted: 3.49%
    Special: 2.09%3
    Apply Now
    4-year fixed mortgage
    3.74%
    2.09%4
    Posted: 3.74%
    Special: 2.09%4
    Apply now
    5-year fixed mortgage
    4.59%
    2.09%5
    Posted: 4.59%
    Special: 2.09%5
    Apply now
    5-year fixed mortgage (high ratio)
    4.59%
    2.09%5
    Posted: 4.59%
    Special: 2.09%5
    Apply now

    Variable rate mortgages

    5-year variable mortgage (open)
    4.45%
    Posted: 4.45%
    Apply now
    5-year variable mortgage
    1.55%6
    Posted: 1.55%6
    Apply Now
    5-year variable mortgage (high ratio)
    1.55%6
    Posted: 1.55%6
    Apply Now

Fixed rate mortgages

Posted Rate

Special Rate

6-month convertible fixed mortgage
4.00%
Posted: 4.00%
Apply Now
1-year fixed mortgage (open)
6.00%
Posted: 6.00%
Apply Now
1-year fixed mortgage
3.09%
2.09%1
Posted: 3.09%
Special: 2.09%1
Apply now
2-year fixed mortgage
3.19%
2.09%2
Posted: 3.19%
Special: 2.09%2
Apply Now
3-year fixed mortgage
3.49%
2.09%3
Posted: 3.49%
Special: 2.09%3
Apply Now
4-year fixed mortgage
3.74%
2.09%4
Posted: 3.74%
Special: 2.09%4
Apply now
5-year fixed mortgage
4.59%
2.09%5
Posted: 4.59%
Special: 2.09%5
Apply now
5-year fixed mortgage (high ratio)
4.59%
2.09%5
Posted: 4.59%
Special: 2.09%5
Apply now

Variable rate mortgages

5-year variable mortgage (open)
4.45%
Posted: 4.45%
Apply now
5-year variable mortgage
1.55%6
Posted: 1.55%6
Apply Now
5-year variable mortgage (high ratio)
1.55%6
Posted: 1.55%6
Apply Now

Home equity line of credit

Secured home equity line of credit
Interest rate 2.75%
Interest rate 2.75% Apply Now

Long term non-redeemable GICs (RRSP)

1-year RRSP GIC
1.45%
1.45%
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3-year RRSP GIC
1.35%
1.35%
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18-month RRSP GIC
1.20%
1.20%
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4-year RRSP GIC
1.45%
1.45%
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2-year RRSP GIC
1.25%
1.25%
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5-year RRSP GIC
1.55%
1.55%
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Long term non-redeemable GICs (TFSA)

1-year TFSA GIC
1.45%
1.45%
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3-year TFSA GIC
1.35%
1.35%
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18-month TFSA GIC
1.20%
1.20%
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4-year TFSA GIC
1.45%
1.45%
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2-year TFSA GIC
1.25%
1.25%
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5-year TFSA GIC
1.55%
1.55%
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Long term non-redeemable GICs

1-year fixed rate GIC
1.40%
1.40%
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3-year fixed rate GIC
1.30%
1.30%
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18-month GIC
1.15%
4-year fixed rate GIC
1.40%
1.40%
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2-year fixed rate GIC
1.20%
1.20%
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5-year fixed rate GIC
1.50%
1.50%
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Long term non-redeemable GICs (RRIF)

1-year RRIF GIC
1.45%
3-year RRIF GIC
1.35%
18-month RRIF GIC
1.20%
4-year RRIF GIC
1.45%
2-year RRIF GIC
1.25%
5-year RRIF GIC
1.55%

Escalator  GICs

3-year escalator RRSP GIC
3-year escalator RRSP GIC
Year 1
1.10%
Year 2
1.25%
Year 3
1.70%
Yield
1.35%
5-year escalator RRSP GIC
5-year escalator RRSP GIC
Year 1
1.30%
Year 2
1.40%
Year 3
1.50%
Year 4
1.65%
Year 5
1.90%
Yield
1.55%
3-year escalator TFSA GIC
3-year escalator TFSA GIC
Year 1
1.10%
Year 2
1.25%
Year 3
1.70%
Yield
1.35%
5-year escalator TFSA GIC
5-year escalator TFSA GIC
Year 1
1.30%
Year 2
1.40%
Year 3
1.50%
Year 4
1.65%
Year 5
1.90%
Yield
1.55%
3-year escalator RRIF GIC
3-year escalator RRIF GIC
Year 1
1.10%
Year 2
1.25%
Year 3
1.70%
Yield
1.35%
5-year escalator RRIF GIC
5-year escalator RRIF GIC
Year 1
1.30%
Year 2
1.40%
Year 3
1.50%
Year 4
1.65%
Year 5
1.90%
Yield
1.55%
Escalator GICs are redeemable on each anniversary date.

Short term non-redeemable GICs (RRSP)

30-day RRSP GIC
0.95%
0.95%
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180-day RRSP GIC
1.10%
1.10%
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60-day RRSP GIC
1.00%
1.00%
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270-day RRSP GIC
1.10%
1.10%
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90-day RRSP GIC
1.05%
1.05%
Open a GIC

Short term non-redeemable GICs (TFSA)

30-day TFSA GIC
0.95%
0.95%
Open a GIC
180-day TFSA GIC
1.10%
1.10%
Open a GIC
60-day TFSA GIC
1.00%
1.00%
Open a GIC
270-day TFSA GIC
1.10%
1.10%
Open a GIC
90-day TFSA GIC
1.05%
1.05%
Open a GIC

Short term non-redeemable GICs

30-day GIC
0.95%
0.95%
Open a GIC
60-day GIC
1.00%
1.00%
Open a GIC
90-day GIC
1.05%
1.05%
Open a GIC
180-day GIC
1.05%
1.05%
Open a GIC
270-day GIC
1.05%
1.05%
Open a GIC

Short term non-redeemable GICs (RRIF)

30-day RRIF GIC
0.95%
180-day RRIF GIC
1.10%
60-day RRIF GIC
1.00%
270-day RRIF GIC
1.10%
90-day RRIF GIC
1.05%

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
Bill payment trace
$10.00
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 $53.45 plus applicable taxes)

First 25 free
  • Registered Plans
    Registered balance transfer (full or partial) to another financial institution
    $50.00

Registered Plans

Registered balance transfer (full or partial) to another financial institution
$50.00

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