Canadian Deposit Rate Comparison

Rates last updated: November 7, 2026

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Institution	1Y	1.5Y	2Y	3Y	4Y	5Y
Achieva	3.95%	—	4.10%	4.15%	4.20%	4.35%
Alterna	2.65%	—	2.85%	3.10%	3.25%	3.30%
ATBAvailable to residents of Alberta.	3.20%	3.70%	3.40%	3.40%	3.50%	3.60%
BeemAvailable to residents of British Columbia.	3.30%	3.40%	3.45%	3.60%	3.70%	3.80%
BMO	3.00%	3.20%	3.20%	3.30%	3.35%	3.55%
Canadian Tire BankAvailable to residents of every province and territory except Quebec.	2.35%	—	2.40%	2.45%	2.50%	4.20%
CIBC	3.00%	3.10%	3.20%	3.30%	3.40%	3.60%
DucaAvailable to residents of Ontario.	3.40%	3.85%	3.80%	3.90%	4.10%	4.20%
EQ Bank	3.70%	—	4.15%	4.15%	4.20%	4.30%
FirstOntarioAvailable to residents of Ontario.	3.35%	4.00%	3.60%	3.70%	3.70%	3.80%
HaventreeAvailable to residents of every province and territory except Quebec.	4.25%	—	4.10%	4.20%	4.25%	4.30%
HubertAvailable to residents of every province and territory except Quebec.	3.85%	—	3.95%	4.05%	4.15%	4.25%
ICICI Bank	3.35%	3.50%	3.60%	3.60%	3.75%	4.00%
KawarthaAvailable to residents of Ontario.	3.15%	3.85%	3.35%	3.50%	3.60%	3.75%
KindredAvailable to residents of Ontario.	3.10%	—	3.30%	3.75%	3.80%	4.00%
LibroAvailable to residents of Ontario.	3.15%	—	3.35%	3.50%	3.60%	3.75%
Manulife Bank	3.35%	—	3.70%	3.80%	3.90%	4.05%
Meridian	3.40%	3.65%	3.80%	4.00%	4.10%	4.20%
National Bank	3.15%	3.30%	3.55%	3.75%	3.85%	4.00%
Northern BirchAvailable to residents of Ontario.	3.10%	—	3.25%	3.30%	3.35%	3.60%
NorthernAvailable to residents of Ontario.	3.20%	—	3.55%	3.70%	3.90%	4.10%
Oaken	3.75%	3.80%	4.20%	4.30%	4.35%	4.50%
Outlook Financial	3.95%	—	4.05%	4.15%	4.20%	4.35%
PathwiseAvailable to residents of Ontario.	3.30%	3.35%	3.50%	3.60%	3.55%	3.70%
Peoples Trust	3.70%	—	3.00%	3.25%	3.25%	3.45%
ProsperaAvailable to residents of British Columbia.	3.10%	2.35%	3.60%	3.75%	3.85%	4.00%
RBC	2.45%	2.50%	2.55%	2.55%	2.70%	2.75%
SavenAvailable to residents of every province and territory except Quebec.	4.00%	—	4.25%	4.30%	4.35%	4.50%
Scotiabank	2.45%	2.50%	2.50%	2.60%	2.70%	2.75%
ServusAvailable to residents of Alberta.	3.25%	3.30%	3.30%	3.40%	3.50%	3.65%
Simplii	3.54%	—	3.54%	3.64%	3.88%	4.17%
Steinbach Credit Union	3.80%	—	3.90%	4.00%	4.10%	4.20%
Tangerine	3.75%	4.00%	4.05%	4.15%	4.20%	4.25%
TD	3.00%	4.00%	3.20%	3.30%	3.35%	3.55%
TruAvailable to residents of British Columbia.	3.36%	—	3.66%	3.76%	3.81%	3.86%
WealthONEAvailable to residents of every province and territory except Quebec.	4.05%	4.10%	4.30%	4.40%	4.45%	4.55%
WFCUAvailable to residents of Ontario.	3.30%	—	3.35%	3.40%	3.50%	3.60%
YNCUAvailable to residents of Ontario.	3.10%	—	3.70%	3.45%	3.80%	4.25%

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Disclaimer: Rates may not be accurate and may change without notice. Always verify current terms directly with the financial institution before making any decisions.

How we collect rates: We regularly collect rates from publicly available information published by financial institutions, with automated checks and periodic spot checks for accuracy.

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