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Rates

Term Deposit Rates

Promotional Term Deposits

Effective date (2022-11-09)

Rates

90 Day Term Deposit

1.95%

1 Year Redeemable Term Deposit

3.00%

1 Year Fixed Term Deposit

4.75%

18-23 Months Term Deposit

4.80%

2 Year Term Deposit

5.00%

3 Year Term Deposit

4.90%

4 Year Term Deposit

4.95%

5 Year Term Deposit

5.00%

Additional Term Deposits 

Term Deposits Under 1 Year

Effective date (2022-06-22)

Rates

30 - 59 Days

1.10%

60 - 89 Days

1.20%

90 - 119 Days

1.25%

120 - 179 Days

1.30%

180 - 269 Days

1.35%

270 - 364 Days

1.40%

Term Deposits 1 to 5 Years

Effective date (2022-11-09)

Rates

1-Year Redeemable

3.00%

1-Year

4.75%

18 - 23 Months

3.60%

2-Years

5.00%

3-Years

4.90%

4-Years

4.95%

5-Years

5.00%

2 Year Flexi-Growth Term Deposits

Effective date (2022-06-14)

Rates

0 to 6 Months

0.20%

6 to 12 Months

0.30%

12 to 18 Months

0.50%

18 - 23 Months

0.65%

23 to 24 Months

0.80%

3 Year Flexi-Growth Term Deposits

Effective date (2022-04-27)

Rates

0 to 12 Months

0.50%

12 to 18 Months

0.60%

18 - 24 Months

0.70%

24 to 30 Months

0.80%

30 to 35 Months

0.90%

35 to 36 Months

1.00%

Flexi Term Deposits

Effective date (2022-04-27)

Rates

3 Year Flexi Term

1.00%

5 Year Flexi Term

1.10%

Nest Egg Term Deposits

Effective date (2022-04-27)

Rates

1 Year Nest Egg

0.30%

3 Year Nest Egg

0.50%

5 Year Nest Egg

0.85%

3 Year RateBuilder Term Deposit

Effective date (2022-04-27)

3 Year RateBuilder - Effective Yield 1.15 Term Deposit Rates

Year 1

0.70%

Year 2

0.95%

Year 3

1.80%

RateBuilder Term Deposit

Effective date (2022-04-27)

5 Year RateBuilder - Effective Yield 1.25 Term Deposit

Year 1

0.85%

Year 2

0.95%

Year 3

1.05%

Year 4

1.65%

Year 5

1.75%

US Dollar Short Term Deposits

Effective date (2022-04-27)

Rates

30 - 59 Days

0.05%

60 - 89 Days

0.10%

90 - 119 Days

0.15%

120 - 179 Days

0.20%

180 - 269 Days

0.25%

270 - 364 Days

0.30%

US Dollar Long Term Deposits

Effective date (2022-04-27)

Rates

1 Year

0.35%

2 Years

0.40%

3 Years

0.45%

4 Years

0.50%

5 Years

0.55%

90 Day Term Deposit
Special promotional rate may be changed or withdrawn at any time without notice. Existing term deposits cannot be broken to receive this offer. Simple interest calculated on the principal amount for the number of days in the term deposit and paid at maturity (principal x rate x number of days / 365 days). Rate shown for annual interest. Minimum investment $500; Maximum investment $500,000. Cashable upon maturity only. Available to personal and non-personal accounts. Due to local and proxy caching on the Internet, please ensure that you are viewing rates as at the current day’s date.

1 Year Redeemable Term Deposit
Special promotional rate may be changed or withdrawn at any time without notice. Existing term deposits cannot be broken to receive this offer. Rate shown for annual interest. Annual compound interest paid at redemption or at maturity. If term is redeemed after 60 days prior to the 1 year anniversary, simple interest will be calculated on the principal amount for the number of days in the term and paid at redemption (principal x rate x number of days / 365 days). Minimum investment $500; Maximum investment $500,000. Cashable any time after 60 days. Available to personal and non-personal accounts. Due to local and proxy caching on the Internet, please ensure that you are viewing rates as at the current day’s date.

1 Year Term Deposit, 18-23 Month Term Deposit, 2 Year Term Deposit, 3 Year Term Deposit, 4 Year Term Deposit, 5 Year Term Deposit
Special promotional rate may be changed or withdrawn at any time without notice. Existing term deposits cannot be broken to receive this offer. Rate shown for annual interest. Annual compound interest paid monthly or annually. Minimum investment $500; Maximum investment $500,000. Cashable upon maturity only. Available to personal and non-personal accounts. Due to local and proxy caching on the Internet, please ensure that you are viewing rates as at the current day’s date.

    • Term Deposits of 364 days or less: Simple interest calculated on the principal amount for the number of days in the term deposit and paid at maturity. (principal x rate x number of days / 365 days).

    • 1 – 5 Year Term Deposits: Annual compound interest paid monthly or annually.

    • 1 Year Redeemable: Annual compound interest paid at redemption or at maturity

    • 1 – 5 Year Term Deposits: Annual compound interest paid monthly or annually.

    • 18-23 Month Term Deposit: Annual compound interest paid annually and at maturity

    • Flexi Term Deposit: Minimum $2500. Annual compound interest paid annually and at maturity.

    • Nest egg Term Deposit: $10 minimum per month. non-registered, RRSP & TFSA eligible.

    • RateBuilder Term Deposits: Minimum deposit $500. Annual compound interest paid annually or at maturity.

    • US Dollar Term Deposits of 364 days or less: Simple interest calculated on the principal amount for the number of days in the term deposit and paid at maturity. (principal x rate x number of days / 365 days).

    • US Dollar Term Deposits of 1 to 5 years: Annual compound interest paid monthly or annually. US Dollar Term Deposits are not DICO eligible.

Non-Registered Term Deposit Certificate T&Cs

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