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Rates

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Daily Exchange Rates
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Personal Accounts
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Mortgage Rates
Investment Rates100x100
Investment Rates
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Business Accounts


Daily exchange rates:

Exchange rates are subject to change without notice at any time.

Rates were last updated July 21, 2025.


US Exchange

Members Buy

1.3909
*
%
US Exchange

Members Sell

1.3509
*
%
Euro Exchange

Members Buy

1.683
*
%
Euro Exchange

Members Sell

1.5165
*
%
*Rates subject to change based on the date of order. Some fees may apply. Please see your local branch for details.
For U.S. exchange rates on funds exceeding $10,000, please contact us.

Personal Accounts

Interest rates are subject to change without notice at any time.
Rates were last updated April 4, 2025 

 Savings Accounts

Rates
Daily Savings
 0.10%
Platinum Savings
$0 - $99,999
$100,000 - $249,999
$250,000 and over

1.65%
1.70%
2.25%
Premium Savings
0.90%
Grow Savings
$0 - $2,000
$2,001+

2.90%
0.40%
Ability Savings
0.10%
USD Daily Savings
0.25%

Daily, Grow, and Ability Savings interest calculated on your closing daily balance, paid monthly. Platinum Savings interest calculated on your minimum monthly balance, paid monthly. Premium Savings interest calculated on your closing daily balance, paid monthly.

Residential Mortgage Rates

Interest rates are subject to change without notice at any time.
Rates were last updated April 4, 2025.

For Business lending rates, please contact your Business Account Manager, local branch, or our Member Solutions Centre at 1.800.264.2926.

Mortgages
 Rates
1 Year Fixed
 4.89%
2 Year Fixed
 4.49%
3 Year Fixed 4.19%
4 Year Fixed 4.09%
5 Year Fixed
 4.09%
Variable Open (Prime)
 4.95%
Variable Closed (Prime - 1.00%)
 3.95%

Investment Accounts

Interest rates are subject to change without notice at any time. 
Rates were last updated July 2, 2025

Term Deposits*

Rates
GIC 12 Months
 3.50%
GIC 18 Months
 3.50%
GIC 24 Months
 3.50%
GIC 30 Months 3.50%
GIC 36 Months 3.50%
GIC 42 Months
 3.75%
GIC 48 Months
 3.55%
GIC 54 Months 3.55%
GIC 60 Months 3.60%

GIC interest calculated daily, paid annually on anniversary date.


TFSA

Rates
TFSA Variable
 2.30%
TFSA 12 Months 3.50%
TFSA 18 Months 
 3.50%
TFSA 24 Months 
 3.50%
TFSA 30 Months 3.50%
TFSA 36 Months  3.50%
TFSA 42 Months 3.75%
TFSA 48 Months 3.55%
TFSA 54 Months 3.55%
TFSA 60 Months
 3.60%

TFSA term interest calculated daily, paid annually on anniversary date.
TFSA variable interest paid semi-annually.

RRSP

Rates
RRSP Variable
 2.30%
RRSP 12 Months 3.50%
RRSP 18 Months 
 3.50%
RRSP 24 Months 
 3.50%
RRSP 30 Months 3.50%
RRSP 36 Months  3.50%
RRSP 42 Months 3.75%
RRSP 48 Months 3.55%
RRSP 54 Months 3.55%
RRSP 60 Months
 3.60%

RRSP term interest calculated daily, paid annually on anniversary date.
RRSP variable interest paid semi-annually.


FHSA

Rates
FHSA Variable
 2.30%
FHSA 12 Months 3.50%
FHSA 18 Months 
 3.50%
FHSA 24 Months 
 3.50%
FHSA 30 Months 3.50%
FHSA 36 Months  3.50%
FHSA 42 Months 3.75%
FHSA 48 Months 3.55%
FHSA 54 Months 3.55%
FHSA 60 Months
 3.60%

FHSA term interest calculated daily, paid annually on anniversary date.
FHSA variable interest paid semi-annually.

Business Accounts

Interest rates are subject to change without notice at any time.
Rates were last updated May 20, 2025.

 Savings Accounts

Rates
Business Daily Savings
 0.10%
Business Platinum Savings
$0 - $99,999
$100,000 - $249,999
$250,000 and over

1.40%
1.45%
2.00%
Business Premium Savings
0.55%
USD Business Daily Savings
0.25%
AgriInvest Savings
1.45%

Daily Savings interest calculated on your closing daily balance, paid monthly. Platinum Savings interest calculated on your minimum monthly balance, paid monthly. Premium Savings interest calculated on your closing daily balance, paid monthly. Agri Invest interest calculated on your closing daily balance, paid monthly.


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