Rates

Term Deposits

Promotional Term Deposits

Effective date (2022-07-27)

Rates

90 Day

1.95%

1 Year Redeemable 

0.90%

1 Year

4.10%

18 - 23 Months

4.30%

2 Year

4.40%

3 Year

4.10%

4 Year

4.20%

5 Year

4.30%

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 (2022-06-22)

Rates

1-Year Redeemable

0.65%

1-Year

3.40%

18-23 Months

3.60%

2-Years

3.75%

3-Years

3.85%

4-Years

3.95%

5-Years

4.05%

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 to 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 to 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%

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Special promotional rate may be changed or withdrawn at any time without notice.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 accounts only. 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.

Additional Term Deposits

Term Deposits Under 1 Year
Minimum deposit is $500 ($100 for Student Life and Youth Start accounts). 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). RRSP interest is paid at maturity. RRIF interest is paid monthly.

Term Deposits 1 to 5 Years
Minimum deposit $500 ($100 for Student Life and Youth Start accounts). Annual compound interest paid monthly or annually. RRSP interest is paid at maturity. RRIF interest is paid monthly.

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

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

2 & 3 Year Flexi-Growth Term Deposits
Annual compound interest paid annually, at redemption or at maturity. Interest earned must be reinvested back into the term deposit. Redemption available any time after 90 days. No partial redemptions permitted. If term is redeemed any time after 90 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. Available to personal accounts only. Due to local and proxy caching on the Internet, please ensure that you are viewing rates as at the current day’s date

Flexi Term Deposits
Minimum $2500. Annual compound interest paid annually and at maturity


Nest Egg Term Deposits
Non-registered, RRSP & TFSA eligible.


RateBuilder Term Deposits
1.15% refers to the effective yield of the 3 year term. Annual compound interest paid annually or at maturity. 1.25% refers to the effective yield of the 5 year term. Rate shown for annual interest. Minimum investment $500; 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.


2 & 3 Year Business Escalating Redeemable Term Deposit
Annual compound interest paid annually, at redemption or at maturity. Interest earned must be reinvested back into the term deposit. Redemption available any time after 90 days. No partial redemptions permitted. If term is redeemed any time after 90 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. Available to non-personal accounts only. Due to local and proxy caching on the Internet, please ensure that you are viewing rates as at the current day’s date.


US Dollar Short Term Deposits
$500 minimum or $100 minimum for Youth Start and Student Life. 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 Long Term Deposits
$500 minimum or $100 minimum for Youth Start and Student Life. Annual compound interest paid monthly or annually. Due to local and proxy caching on the Internet, please ensure that you are viewing rates as at the current day's date.


Rates are subject to change without notice and are for information only. For details please contact us.

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