Personal

Savings

Premium Tiered Savings  
      $0-$99,999.99 2.45%
      $100,000 - $249,999.99 2.60%
      $250,000+ 2.80%
Plan 24 - Daily Savings 0.20%
Edge Start Savings 0.20%
Property Tax Saver 0.20%
Premium Savings (personal accounts only) 2.15%
US Savings under $5000.00 0.25%
US Savings over $5000.00 0.50%

*Rates are effective November 7, 2019 and are subject to change without notice.

Chequing

$5,000 or less 0.00%
$5,000.01 to $25,000 0.10%
$25,000.01 to $60,000 0.15%
$60,000.01 and over 0.20%

*Rates are effective March 28, 2019 and are subject to change without notice.

Non-Redeemable Term Deposits

Interest is paid or compounded annually.

 GICRRSP/TFSA/RRIF/LIRA/LIF
1 Year 2.30% 2.35%
18 Month 2.30% 2.35%
2 Year  2.35%  2.40%
3 Year  2.40% 2.45%
4 Year 2.50% 2.55%
4.5 Years 2.55% 2.60%
5 Year  2.60%  2.65% 
5.5 Years 2.60% 2.65%
6 Year 2.65% 2.70%
7 Year 2.70% 2.75%

*Rates are effective August 28, 2019, and are subject to change without notice.

*Additional Terms are available, contact your branch for details.

Redeemable Term Deposit

Redeemable Term Deposits can be cashed without penalty after 90 days.

 GICRRSP/RRIF
1 Year 1.35% 1.35%

*Rates are effective March 28, 2019 and are subject to change without notice.

Short Term Deposits

Short Term Deposits are redeemable prior to maturity with no interest.

 GIC
30 – 59 Days 0.35%
60 – 89 Days 0.45%
90 – 179 Days 0.55%
180 – 269 Days 0.65%
270 – 365 Days 0.75%

Rates are effective March 28, 2019 and are subject to change without notice

RRSP/RRIF/LIRA/LIF Variable Rate

Variable Rate
  $5,000 or less 1.60%
  $5000.01 to $25,000 1.85%
  $25,000.01 to $60,000 2.00%
  $60,000.01 and over 2.25%
Tax Free Savings 2.25%
RRSP/LIRA Flexi Plus 2.25%
RRIF/LIF Flexi Plus 2.25%
MB RRIF Flexi Plus 2.25%
RESP Variable Open 2.25%

*Rates are effective July 11, 2019, and are subject to change without notice.

Closed Mortgages (owner-occupied residential) with 20% pre-payment privilege

Residential Variable Term at PRIME - .50% 3.45%
6 Month 3.24%
1 Year 3.25%
2 Year 2.79%
3 Year 2.79%
4 Year 2.79%
5 Year 2.89%
6 Year 3.64%
7 Year 3.89%

*Rates are effective August 28, 2019, and are subject to change without notice.

Open Mortgages

Residential Variable Open 4.45%
Canadian Prime 3.95%

*Rates are effective March 28, 2019 and are subject to change without notice.

*The annual percentage rate (APR) is equivalent to the annual interest rate (AIR), and assumes that no fee(s) apply. If fees(s) are required as part of the application processing, any fee(s) would increase the APR.