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Terms & Conditions
Deposit Accounts
Interest rates are subject to change without notice at any time.
New: Rates were last updated December 23, 2025
|
Term Deposits* |
Rates (Annual) |
Rates (Monthly) |
|---|---|---|
|
GIC 12 Months
|
3.80% | 3.70% |
|
GIC 18 Months
|
3.80% | 3.70% |
|
GIC 24 Months
|
3.90% | 3.80% |
| GIC 30 Months | 3.90% | 3.80% |
| GIC 36 Months | 4.00% | 3.90% |
|
GIC 42 Months
|
4.00% | 3.90% |
|
GIC 48 Months
|
4.10% | 4.00% |
| GIC 54 Months | 4.10% | 4.00% |
| GIC 60 Months | 4.20% | 0.00% |
*GIC interest calculated daily, paid annually on anniversary date.
|
TFSA* |
Rates |
|---|---|
|
TFSA Variable
|
2.30% |
| TFSA 12 Months | 3.80% |
|
TFSA 18 Months
|
3.80% |
|
TFSA 24 Months
|
3.90% |
| TFSA 30 Months | 3.90% |
| TFSA 36 Months | 4.00% |
| TFSA 42 Months | 4.00% |
| TFSA 48 Months | 4.10% |
| TFSA 54 Months | 4.10% |
| TFSA 60 Months |
4.20% |
* Tax-free savings account (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 | 3.80% |
|
RRSP 18 Months
|
3.80% |
|
RRSP 24 Months
|
3.90% |
| RRSP 30 Months | 3.90% |
| RRSP 36 Months | 4.00% |
| RRSP 42 Months | 4.00% |
| RRSP 48 Months | 4.10% |
| RRSP 54 Months | 4.10% |
| RRSP 60 Months |
4.20% |
* Registered Retirement Savings Plan (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 | 3.80% |
|
FHSA 18 Months
|
3.80% |
|
FHSA 24 Months
|
3.90% |
| FHSA 30 Months | 3.90% |
| FHSA 36 Months | 4.00% |
| FHSA 42 Months | 4.00% |
| FHSA 48 Months | 4.10% |
| FHSA 54 Months | 4.10% |
| FHSA 60 Months |
4.20% |
* First Home Savings Account (FHSA) term interest calculated daily, paid annually on anniversary date.
FHSA variable interest paid semi-annually.