Canadian & US Term Deposits
Rates effective February 15, 2023
| Term Length | CDN Rate | |
|---|---|---|
| 30 days to 179 days | 0.00% | |
| 180 days to 364 days | 0.00% | |
| 1 year non-redeemable | 3.50% | |
| 2 year non-redeemable | 3.50% | |
| 3 year non-redeemable | 3.25% | |
| 4 year non-redeemable | 3.25% | |
| 5 year non-redeemable | 3.25% |
| 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* | 3.50% |
| 2 year redeemable* | 3.50% |
| 3 year redeemable* | 3.25% |
| 4 year redeemable* | 3.25% |
| 5 year redeemable* | 3.25% |
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% | 4.79% |
| 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.