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Rates

Canadian & US Term Deposits

Rates effective January 30, 2023

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 3.75% 0.15%
2 year non-redeemable 3.75% 0.00%
3 year non-redeemable 3.60% 0.00%
4 year non-redeemable 3.60% 0.00%
5 year non-redeemable 3.60% 0.00%
Term Length CDN Rate USD Rate
1 year redeemable* 1.00% 0.00%
2 year redeemable* 0.00% 0.00%
3 year redeemable* 0.00% 0.00%
4 year redeemable* 0.00% 0.00%
5 year redeemable* 0.00% 0.00%

 


*Redeemable for principal and full interest at maturity. Partial redemptions not permitted. If redeemed before maturity, interest paid will be calculated using the Platinum Plan rate in effect on the date of issue. Interest is not paid on funds redeemed within 30 days of the date of issue.

Registered Products

Rates effective January 30, 2023

RRSP / RIF Platinum Plan 0.75%
TFSA Platinum Plan 0.75%
Term Length CDN Rate
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%

 

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 - 0.25% -

 

*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.  Limited time specials can be withdrawn at any time without notice. Conditions apply.

 

Other Rates

Rates effective Jan 25, 2023

Prime Rate 6.70%

Foreign Exchange Rates