Interest Rates

Rate Card: #17-25

Effective Date: July 24, 2025

*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)	2.750
2 Years	3.150*
3 Years	2.800
4 Years	2.850
5 Years	3.000*

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 $1,000.00)	2.500
2 Years	2.900*
3 Years	2.550
4 Years	2.600
5 Years	2.750*

List of rates for Redeemable
Redeemable	Rate
1 Year (minimum $1,000.00)	1.900

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)	0.250

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)	2.000*

Market-Linked Products

List of rates for Better Earth – Series 64
Better Earth – Series 64	Rate
Sales Period: Jul 22 to Sep 22, 2025 (minimum $1,000.00)	Determined at Maturity

List of rates for Better Equality – Series 16
Better Equality – Series 16	Rate
Sales Period: Jul 22 to Sep 22, 2025 (minimum $1,000.00)	Determined at Maturity

Mortgage Rates

List of rates for Mortgage Rates – Posted
Mortgage Rates – Posted	Rate
6 Month Closed	7.290
6 Month Open	8.790
1 Year	6.790
2 Years	6.690
3 Years	6.590
4 Years	6.490
5 Years	6.390

List of rates for Mortgage Rates – Market
Mortgage Rates – Market	Rate
1 Year	4.790
2 Years	4.690
3 Years	4.590
4 Years	4.490
5 Years	4.390

Qualifying conditions apply

List of rates for Prime Lending Rate
Prime Lending Rate Rates Effective: 2025-03-13	Rate
Rate	4.950

List of rates for Variable Rate Mortgage
Variable Rate Mortgage	Rate
5 Year Term	(Prime plus .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%)	5.250

List of rates for Mortgage Property Tax Accounts
Mortgage Property Tax Accounts	Rate
Rate	0.050

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

Archived Interest Rates

View a PDF of our archived interest rates

2025

2024

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