To understand how we calculate the applicable interest, please refer to the specific product page or contact us for more details. Rates are per annum (p.a.) and are subject to change without notice.
Current Prime Lending Rate: 4.45% as of October 30, 2025
| Perfetto. – For the balance up to $500,000 | 0.45% |
| Perfetto. – On the portion above $500,000 | 0.05% |
| Euro Savings Account | 0.05% |
Interest is not paid on our U.S. Dollar Chequing Account.
| Business Operating Account | 0.00% |
| Business Savings+ | 0.35% |
| Community (Chequing) Account – Up to $5,000 | 0.00% |
| Community (Chequing) – Balances between $5,000.01 to $50,000 | 0.10% |
| Community (Chequing) – Balances above $50,000 | 0.20% |
Interest is not paid on our foreign (euro, U.S. Dollar) currency business accounts.
These accounts are no longer being opened.
| Fat Cat, Youth Savings Account | 0.45% |
| Headstart, Youth Banking Account | 0.25% |
| Investment Savings Account | 0.45% |
| Maximizer, Chequing Account | 0.00% |
| Maximizer Plus – Up to $300,000 | 0.45% |
| Maximizer Plus – Above $300,000 | 0.00% |
| Savings Plus – Up to $500,000 | 0.45% |
| Savings Plus – Above $500,000 | 0.05% |
| 1 year | 2.50% |
| 18 month | 2.55% |
| 2 year | 2.50% |
| 3 year | 2.65% |
| 4 year | 2.70% |
| 5 year | 2.75% |
* Includes FHSA, RDSP, RESP, RRIF, RRSP and TFSA.
| 1 year | 2.50% |
| 18 month | 2.55% |
| 2 year | 2.50% |
| 3 year | 2.65% |
| 4 year | 2.70% |
| 5 year | 2.75% |
| 30 day | 0.40% |
| 60 day | 0.55% |
| 90 day | 0.65% |
| 180 day | 1.95% |
| 270 day | 2.00% |
| 1 year | 1.90% |
| If cashed after 180 days | 1.65% |
| If cashed after 270 days | 1.75% |
| 30 day | 0.05% |
| 60 day | 0.05% |
| 90 day | 0.05% |
| 180 day | 0.10% |
| 270 day | 0.05% |
* Minimum of $10,000 USD
| 90 day | 0.10% |
* Minimum of €10,000
| Term | Rate | APR1 |
|---|---|---|
| 1 year | 4.74% | 5.52% |
| 2 year | 4.29% | 4.68% |
| 3 year | 4.39% | 4.65% |
| 4 year | 4.49% | 4.68% |
| 5 year | 4.54% | 4.70% |
* Subject to approval of fully qualified loans.
1. The Annual Percentage Rate (APR) represents the total cost of borrowing, including interest and fees, expressed as a percentage. It is not the rate used for regular payments. The APR is based on a $400,000 mortgage with a 30-year amortization, monthly payments, a $600 property valuation fee and $2,500 legal fees. If additional fees apply, or if any of these fees do not apply, the APR will change accordingly. The calculation assumes a fixed, non-fluctuating interest rate over the mortgage term.
