Competitive interest rate with easy access to your funds.
| REDEEMABLE AFTER 30 DAYS | REGISTERED/NON-REGISTERED
Rates Effective: 2026-01-22 |
Rate |
|---|---|
| 12-month cashable |
2.06%
|
Guaranteed growth with an escalating rate.
| REDEEMABLE ANY TIME | REGISTERED/NON-REGISTERED
Rates Effective: 2026-01-22 |
Rate |
|---|---|
| Step-Up® 6Plus6 - first 6 months |
0.60%
|
| Step-Up® 6Plus6 - second 6 months |
4.54%
|
| Step-Up® 6Plus6 - average rate |
2.57%
|
| Step-Up® 9Plus9 - first 9 months |
0.60%
|
| Step-Up® 9Plus9 - second 9 months |
4.64%
|
| Step-Up® 9Plus9 - average rate |
2.62%
|
| Step-Up® 18Plus18 - first 18 months |
0.60%
|
| Step-Up® 18Plus18 - second 18 months |
4.74%
|
| Step-Up® 18Plus18 - average rate |
2.67%
|
Prime-linked term deposit that can take advantage of potential increases in the Prime Rate.
| REDEEMABLE ON ANNIVERSARY | REGISTERED/NON-REGISTERED
Rates Effective: 2025-10-30 |
Rate |
|---|---|
| PRIMECONNECT® (3 year) |
3.20%
|
Competitive interest rates for less than 1 year terms.
| NON-REDEEMABLE | REGISTERED/NON-REGISTERED
Rates Effective: 2026-01-22 |
Rate |
|---|---|
| 30-59 days |
0.45%
|
| 60-89 days |
2.06%
|
| 90-119 days |
2.06%
|
| 120-179 days |
2.06%
|
| 180-269 days |
2.46%
|
| 270-364 days |
2.51%
|
Limited‑time higher registered rates to maximize your tax‑season returns.
| NON-REDEEMABLE TERM DEPOSITS | REGISTERED
Rates Effective: 2026-01-22 |
Rate |
|---|---|
| 1 year |
3.01
|
| 2 year |
3.21
|
| 3 year |
3.24
|
| 4 year |
3.26
|
| 5 year |
3.31
|
| NON-REDEEMABLE TERM DEPOSITS | NON-REGISTERED
Rates Effective: 2026-01-22 |
Rate |
|---|---|
| 1 year |
2.81%
|
| 2 year |
3.01%
|
| 3 year |
3.11%
|
| 4 year |
3.16%
|
| 5 year |
3.21%
|
Market-linked term deposit with a guaranteed minimum return and the potential to earn more.
| WINWIN EARTHLINK™ MARKET-LINKED GIC | NON-REDEEMABLE | REGISTERED/NON-REGISTERED/BUSINESS
Rates Effective: 2026-01-20 |
Rate |
|---|---|
| Minimum guaranteed annual rate (3 year) |
0.50%*
|
| Maximum potential cumulative return (3 year) |
18.00%*
|
| Minimum guaranteed annual rate (5 year) |
0.50%*
|
| Maximum potential cumulative return (5 year) |
30.00%*
|
| WINWIN® FINANCIAL SERVICES MARKET-LINKED GIC | NON-REDEEMABLE | REGISTERED/NON-REGISTERED/BUSINESS
Rates Effective: 2026-01-20 |
Rate |
|---|---|
| Minimum guaranteed annual rate (3 year) |
0.50%*
|
| Maximum potential cumulative return (3 year) |
18.00%*
|
| Minimum guaranteed annual rate (5 year) |
0.50%*
|
| Maximum potential cumulative return (5 year) |
35.00%*
|
Earn interest on your U.S. Dollar funds at a guaranteed rate.
| NON-REDEEMABLE | NON-REGISTERED
Rates Effective: 2023-04-27 |
Rate |
|---|---|
| 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%
|