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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 Account0.15%
US Dollar Account0.01%
RRSP/RRIF (Variable)0.25%
TFSA (Variable)
0.25%


Business Account Rates

Business Chequing Account
0.00%
Business Savings Account0.25%

INVESTING RATES

Term Deposits (Non-redeemable)

1 year1.65%

2 years

1.85%

2 years promotion rate¹2.40%
3 years1.90%
4 years2.00%
5 years2.10%
¹Rate available on new funds transferred from another financial institution.


Term Deposits (Redeemable)

1 year1.00%

1 year promotional rate¹

1.70%

¹Rate available on new funds transferred from another financial institution.


Growing Rate Term Deposit (Non-redeemable)²

1 year1.80%
2 years1.90%
3 years2.20%
4 years2.30%
5 years3.30%

Effective Yield

²Not redeemable before maturity, but with an option to redeem on 3-year anniversary.


2.30%

Growing Rate Term Deposit (Redeemable)³

1 year1.65%
2 years1.80%
3 years1.90%
4 years2.00%
5 years3.65%

Effective Yield

³Not redeemable before maturity, but with an option to redeem on 3-year anniversary.



2.20%

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)2.90%


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%