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Rates

Canadian & US Term Deposits

Rates effective January 30, 2023

Term Length CDN Rate
30 days to 179 days 0.00%
180 days to 364 days 0.00%
1 year non-redeemable 3.75%
2 year non-redeemable 3.75%
3 year non-redeemable 3.60%
4 year non-redeemable 3.60%
5 year non-redeemable 3.60%
Term Length CDN Rate
1 year redeemable* 1.00%

 

*Redeemable for full principal, full interest to last anniversary date & 50% accrued interest since last anniversary date. Interest on terms greater than 1 year paid annually except for GOLDEN MEMBERS where interest may be paid monthly.

Registered Products

Rates effective January 30, 2023

RRSP / RIF Platinum Plan 0.75%
TFSA Platinum Plan 0.75%
Term Length CDN Rate
1 year redeemable* 3.75%
2 year redeemable* 3.75%
3 year redeemable* 3.60%
4 year redeemable* 3.60%
5 year redeemable* 3.60%

Savings Accounts

Account Rates Effective Rate
B.Saving Personal Rates effective January 30, 2023 0.00%
B.Saving Business Rates effective January 30, 2023 0.00%

High Interest Savings Accounts

Account Effective Date Rate
Personal Platinum Plan (CAD) Rates effective January 30, 2023 1.40%
Personal Platinum Plan (USD) Rates effective January 30, 2023 0.10%
Business Platinum Plan (CAD) Rates effective January 30, 2023 1.40%
Business Platinum Plan (USD) Rates effective January 30, 2023 0.10%
AgriInvest Platinum Plan  Rates effective January 30, 2023 1.40%

Chequing Accounts - Personal

Account Effective Date Rate
B.Chequing - No Interest Paid
B.Chequing Plus - No Interest Paid
B.Chequing Flex - No Interest Paid
B.Golden - No Interest Paid
B.Junior Rates effective January 30, 2023 0.00%

Chequing Accounts - Business

Account Balances <$50,000 Balances >$50,000
B.Smart Business Mini No interest paid 0.00%
B.Smart Business No interest paid 0.00%
B.Smart Business Plus No interest paid 0.00%
Organization Chequing 0.00% 0.00%

 

*For B.Smart products, interest is only paid on that portion of balances $50,000 and above; no interest is paid on that portion of balances below $50,000. Interest is calculated daily.

Retail Mortgages

Rates effective January 30, 2023

Type Year(s) Rate Special Rate*
Fixed Rate Open 1 year 9.15% -
Fixed Rate Closed 1 year 6.64%
Fixed Rate Closed 2 year 6.44% %
Fixed Rate Closed 3 year 6.30% %
Fixed Rate Closed 4 year 6.24% %
Fixed Rate Closed 5 year 6.29% 4.89%
Variable Rate Open 5 year Prime + 2% -
Variable Rate Closed 5 year Prime - 1.0% -

*Special Rates are an “as low as” rate and are only available for new or renewing mortgages on approved credit and are only available for a limited time. Conditions apply.

** Special Rate of 2.04% only available for default insured mortgages. Conventional mortgage rate of as low as 2.24%.

Other Rates

Rates effective Jan 25, 2023

Prime Rate 6.70%

Foreign Exchange Rates

To see Foreign Exchange Rates, please visit our Currency Calculator here.