Canadian & US Term Deposits
Rates effective Nov 3, 2020
| Term Length | CDN Rate | USD Rate |
|---|---|---|
| 30 days to 179 days | 0.00% | 0.00% |
| 180 days to 364 days | 0.00% | 0.00% |
| 1 year non-redeemable | 0.25% | 0.00% |
| 2 year non-redeemable | 0.50% | 0.00% |
| 3 year non-redeemable | 0.60% | 0.00% |
| 4 year non-redeemable | 0.80% | 0.00% |
| 5 year non-redeemable | 0.95% | 0.00% |
| Term Length | CDN Rate | USD Rate |
|---|---|---|
| 1 year redeemable* | 0.05% | 0.00% |
| 2 year redeemable* | 0.25% | 0.00% |
| 3 year redeemable* | 0.35% | 0.00% |
| 4 year redeemable* | 0.55% | 0.00% |
| 5 year redeemable* | 0.70% | 0.00% |
*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 Nov 3, 2020
| RRSP / RIF Platinum Plan | 0.05% |
| TFSA Platinum Plan | 0.05% |
| Term Length | CDN Rate |
|---|---|
| 1 year redeemable* | 0.25% |
| 2 year redeemable* | 0.50% |
| 3 year redeemable* | 0.60% |
| 4 year redeemable* | 0.80% |
| 5 year redeemable* | 0.95% |
Savings Accounts
| Account | Rates Effective | Rate |
|---|---|---|
| B.Saving Personal | Nov 3, 2020 | 0.00% |
| B.Saving Business | Nov 3, 2020 | 0.00% |
High Interest Savings Accounts
| Account | Effective Date | Rate |
|---|---|---|
| Personal Platinum Plan (CAD) | Nov 3, 2020 | 0.05% |
| Personal Platinum Plan (USD) | Nov 3, 2020 | 0.00% |
| Business Platinum Plan (CAD) | Nov 3, 2020 | 0.05% |
| Business Platinum Plan (USD) | Nov 3, 2020 | 0.05% |
| AgriInvest Platinum Plan | Nov 3, 2020 | 0.05% |
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 | Nov 3, 2020 | 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 Nov 3, 2020
| Type | Year(s) | Rate | Special Rate* |
|---|---|---|---|
| Fixed Rate Open | 1 year | 7.45% | - |
| Fixed Rate Closed | 1 year | 2.89% | |
| Fixed Rate Closed | 2 year | 3.24% | 1.94% |
| Fixed Rate Closed | 3 year | 3.75% | 1.94% |
| Fixed Rate Closed | 4 year | 4.29% | 1.94% |
| Fixed Rate Closed | 5 year | 4.79% | 1.94% |
| Variable Rate Open | 5 year | Prime + 2% | - |
| Variable Rate Closed | 5 year | Prime + 0.5% | - |
*Special Rates are an “as low as” rate and are only available for new or renewing mortgages (refinances are not eligible), and are only available for a limited time.
Other Rates
Rates effective Nov 3, 2020
| Prime Rate | 2.70% |
Foreign Exchange Rates
To see Foreign Exchange Rates, please visit our Currency Calculator here.