Interest Rates

Rate Card: #01-26

Effective Date: January 22, 2026

*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)	2.45
2 Years	2.65
3 Years	2.80
4 Years	2.85
5 Years	3.00

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 $5,000.00)	2.20
2 Years	2.40
3 Years	2.55
4 Years	2.60
5 Years	2.75

List of rates for Redeemable (Maximum 2 Withdrawal Requests Per Year)
Redeemable (Maximum 2 Withdrawal Requests Per Year)	Rate
1 Year (minimum $1,000.00)	1.50

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)	0.25

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)	1.50

Market-Linked Products

List of rates for Better Earth – Series 67
Better Earth – Series 67	Rate
Sales Period: Jan 20 to Mar 16, 2026 (minimum $1,000.00)	Determined at Maturity

List of rates for Better Equality – Series 19
Better Equality – Series 19	Rate
Sales Period: Jan 20 to Mar 16, 2026 (minimum $1,000.00)	Determined at Maturity

Mortgage Rates

List of rates for Mortgage Rates – Market
Mortgage Rates – Market	Rate
6 Month Closed	7.09
6 Month Open	8.59
1 Year	4.59
2 Years	4.49
3 Years	4.39
4 Years	4.29
5 Years	4.19

Qualifying conditions apply

List of rates for Prime Lending Rate
Prime Lending Rate Rates Effective: 2025-10-30	Rate
Rate	4.45

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%)	5.25

List of rates for Mortgage Property Tax Accounts
Mortgage Property Tax Accounts	Rate
Rate	0.05

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

Archived Interest Rates

View a PDF of our archived interest rates

2026

Rates effective January 22, 2026

2025

2024

Return to top