Rates

All rates are provided for information purposes only and are subject to change without notice. Terms and conditions may apply.

Account Rates

Personal Accounts Rates
No-fee Chequing Account 0.00%
Savings Account 0.25%
Daily Interest Savings Account 0.15%
US Dollar Account 0.01%
RRSP/RRIF (Variable) 0.25%
TFSA (Variable) 0.25%

 

Business Account Rates
Business Chequing Account 0.00%
Business Savings Account 0.25%

Investing Rates

Term Deposits (Non-redeemable)
1 year 1.65%
2 years 1.85%
2 year promotional rate¹ Learn more > 2.40%
3 years 1.90%
4 years 2.00%
5 years 2.10%
¹Rate available on new funds transferred from another financial institution.

 

Term Deposits (Redeemable)
1 year 1.00%
1 year promotional rate¹ Learn more > 1.70%
¹Rate available on new funds transferred from another financial institution.

 

Growing Rate Term Deposit (Non-redeemable)²
1 year 1.80%
2 years 1.90%
3 years 2.20%
4 years 2.30%
5 years 3.30%
Effective Yield 2.30%
²Not redeemable before maturity, but with an option to redeem on 3-year anniversary.

 

Growing Rate Term Deposit (Redeemable)³
1 year 1.65%
2 years 1.80%
3 years 1.90%
4 years 2.00%
5 years 3.65%
Effective Yield 2.20%
³Option to redeem every year on the deposit anniversary. Rates available on new funds transferred from another financial institution. Learn more >

 

Borrowing Rates

Moya Prime Rate                                                     3.45%

 

Residential Mortgage Rates
1 year (Open, starting at) 3.50%
5 years (Open, starting at) 3.50%
1 year (Closed, starting at) 3.25%
2 years (Closed, starting at) 3.50%
3 years (Closed, starting at) 3.50%
4 years (Closed, starting at) 3.50%
5 years (Closed, starting at) 3.10%

 

Variable Mortgage Products
Variable Rate (Open, starting at) Prime + 0.20%
Variable Rate (Closed, starting at) Prime + 0.00%
Construction Mortgage (starting at) 6.00%

 

Commercial Loans
Commercial Loans (starting at) 4.75%

 

Borrowing
Student Financing (starting at) Prime + 1.00%
Overdraft Protection  19.50%
Unauthorized Overdrafts  24.50%
Line of Credit (Secured, starting at) Prime + 1.00%
Line of Credit (Unsecured, starting at) Prime + 3.25%
Personal Loans (starting at) Prime + 3.25%
Vehicle Financing (Variable, starting at) Prime + 1.00%
Bridge Loan (starting at) Prime + 2.30%
MeritLine (HELOC) (starting at) Prime + 1.00%

Service Support Rates

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