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Current Rates

All rates are per annum (p.a.). Refer to the specific product page to understand how we calculate the applicable interest, or contact any of our branches for more details. Rates are subject to change without notice. 


Prime Rate (Effective March 30, 2020)


Prime Lending Rate
2.45%


PERSONAL accounts


Perfetto. - For the balance up to $500,000
0.75%
Perfetto. - For the portion of the balance above $500,000
0.15%
Interest is not paid on our foreign (euro, USD) currency personal accounts.


Business accounts


Business Operating Account
0.00%
Business Savings+ 
0.75%
Community (Chequing) Account - For the balance up to $5,000
0.00%
Community (Chequing) Account - For the portion of the balance between $5,000.01 and $50,000 
0.25%
Community (Chequing) Account - For the portion of the balance above $50,000
0.50%
Interest is not paid on our foreign (euro, USD) currency business accounts.


Guaranteed Investment Certificates*


1 Year
1.00%
18 month
1.15%
2 Year
1.25%
3 Year
1.40%
4 Year
1.45%
5 Year
1.50%
*This also includes registered (RRIF, RRSP, TFSA) products.


Term Deposits: Non-redeemable


30 days
0.50%
60 days
0.55%
90 days
0.60%
180 days
0.65%
270 days
0.80%


Term Deposits: US DOLLARS*


30 days
0.05%
60 days
0.05%
90 days
0.05%
180 days
0.10%
270 days
0.15%
*Minimum of $10,000 USD


Term Deposits: EUROS*


90 days
0.10%
*Minimum of 10,000 euros


Lines of Credit


Home Equity
2.95%


Mortgages - closed


6-Month Closed
4.25%
1-Year Closed
3.29%
2-Year Closed
3.39%
3-Year Closed
3.44%
4-Year Closed
3.49%
5-Year Closed
3.49%


Mortgages - Variable, Open, Convertible


Variable
3.45%
6-Month Open
6.75%
1-Year Open
6.75%


Legacy Accounts

Please note that these accounts are no longer being offered.


Fat Cat, Youth Savings Account
0.75%
Headstart, Youth Banking Account
0.50%
Investment Savings Account
0.75%
Maximizer, Chequing Account
0.00%
Maximizer Plus, Chequing Account – For the balance up to $300,000
0.75%
Maximizer Plus – For the portion of the balance  above $300,000 
0.00%
Savings Plus – For the balance up to $500,000 
0.75%
Savings Plus – For the portion of the balance above $500,000 
0.15%