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Savings rates GIC rates Mortgage rates

Account rates

Plant your money

Savings accounts

e-savings

2.25%

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GIC accounts

Short Term GICs

30 day 3.00%

60 day 3.00%

90 day 3.30%

120 day 3.45%

180 day 3.50%

270 day 3.55%

Long Term GICs

15 month 3.75%

1 year 3.80%

2 year 3.70%

3 year 3.65%

4 year 3.60%

5 year 3.60%

Notes:

Certificates are non-redeemable prior to maturity.
These rates are provided for information purposes only and are subject to change without notice. However, once you’ve purchased your GIC, your rate is guaranteed.
For GICs, all interest accrues annually and is payable:
- For 1-year terms or less, interest is paid at maturity.
- For 15-month terms, interest compounds annually and is paid at maturity.
- For terms of 2 years or more, you can choose interest to be paid on the anniversary date or interest to compound annually and be paid at maturity.

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Mortgage rates

Residential Mortgages: Posted Rates

Prime Rate 5.45%

1 Year fixed rate:

5.84% | APR*: 5.97%

2 Year fixed rate:

5.44% | APR*: 5.51%

3 Year fixed rate:

4.99% | APR*: 5.03%

4 Year fixed rate:

4.84% | APR*: 4.87%

5 Year fixed rate:

4.74% | APR*: 4.77%

5 Year fixed rate - PROMOTION - new loans closed in 120 days:

4.59% | APR*: 4.62%

5 Year adjustable rate = Prime Rate -0.85%:

4.50% | APR*: 4.52%

5.84%

5.44%

4.99%

4.84%

4.74%

4.59%

4.50%

5.97%

5.51%

5.03%

4.87%

4.77%

4.62%

4.52%

*APR (Annual Percentage Rate) means the cost of borrowing expressed as an annualized interest rate including any applicable fees such as service charges and administration fees. The APR figures above are based on a $300,000 mortgage amount, 25 year amortization, monthly mortgage payment, $400 FCT fee, compounded semi-annually for fixed mortgages and monthly for adjustable rate mortgages, high ratio purchase and switch transactions.

Fixed and adjustable rate conventional mortgages (loan to value of 80% or less) are subject to additional rate premiums.

Rates are effective as of 2024-12-15, 11:59pm EST and are subject to change without notice.

These published mortgage rates offered are for owner-occupied or second home properties only and do not apply for rental or investment properties.

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