Interest Rates

Rate Card: #11-26

Effective Date: June 18, 2026

*Indicates change

See archived interest rates >

Investment Rates

List of rates for GIC / RRSP / RRIF / TFSA (Annual Interest)
GIC / RRSP / RRIF / TFSA (Annual Interest)	Rate
1 Year (minimum $1,000.00)	2.55
2 Years	2.75
3 Years	2.85
4 Years	2.90
5 Years	3.05

List of rates for GIC / RRSP / RRIF / TFSA (Monthly or Semi-Annual Interest)
GIC / RRSP / RRIF / TFSA (Monthly or Semi-Annual Interest)	Rate
1 Year (minimum $5,000.00)	2.30
2 Years	2.50
3 Years	2.60
4 Years	2.65
5 Years	2.80

List of rates for Redeemable (Maximum 2 Withdrawal Requests Per Year)
Redeemable (Maximum 2 Withdrawal Requests Per Year)	Rate
1 Year (minimum $1,000.00)	1.50

List of rates for Variable Rate – Registered Products
Variable Rate – Registered Products	Rate
Rate (minimum $100.00 or a regular scheduled deposit of $50.00 or more)	0.25

First Home Savings Account (FHSA) Rates

List of rates for First Home Savings Account (FHSA) – Variable Account
First Home Savings Account (FHSA) – Variable Account	Rate
Rate (minimum $100.00 or a regular scheduled deposit of $50.00 or more)	1.50

Market-Linked Products

List of rates for Better Earth – Series 69
Better Earth – Series 69	Rate
Sales Period: May 19 to Jul 20, 2026 (minimum $1,000.00)	Determined at Maturity

List of rates for Better Equality – Series 21
Better Equality – Series 21	Rate
Sales Period: May 19 to Jul 20, 2026 (minimum $1,000.00)	Determined at Maturity

Mortgage Rates

List of rates for Insured Market Rates
Insured Market Rates	Rate
5 Year Fixed	4.24
4 Year Fixed	4.34
3 Year Fixed	4.44
2 Year Fixed	4.54
1 Year Fixed	4.64

List of rates for Short Term Rates
Short Term Rates	Rate
6 Month Closed	7.14
6 Month Open	8.64

List of rates for Conventional Rates
Conventional Rates	Rate
5 Year Fixed	4.79
4 Year Fixed	4.89
3 Year Fixed	4.99
2 Year Fixed	5.09
1 Year Fixed	5.19

List of rates for Alt-A Rates
Alt-A Rates	Rate
3 Year Fixed	5.10
2 Year Fixed	5.20
1 Year Fixed	5.30

List of rates for Other Residential Products
Other Residential Products	Rate
Progress Draw Construction	Market Rate + 0.25
Rental (2-4) Units	Market Rate + 1.00
2nd Home	Market Rate + 1.00

Qualifying conditions apply

List of rates for Prime Lending Rate
Prime Lending Rate Rates Effective: 2025-10-30	Rate
Rate	4.45

List of rates for Variable Rate Mortgage
Variable Rate Mortgage	Rate
5 Year Term	Prime + 0.25

List of rates for Qualifying Rate
Qualifying Rate Rates Effective: 2021-11-09	Rate
5 Year Qualifying Rate (is the greater of the qualifying rate or the contract rate plus 2.00%)	5.25

List of rates for Mortgage Property Tax Accounts
Mortgage Property Tax Accounts	Rate
Rate	0.05

All rates subject to change without notice. For further information, contact us.

Archived Interest Rates

View a PDF of our archived interest rates

2026

2025

2024

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