( Effective from 28-Sep-2018 )

The rates are for information only.

1 . Savings and Chequing Account Rate

  Personal Accounts

Premium Chequing Account

Deposit Amount

CAD

Under $1,000,000.00

0.30000

$1,000,000.00 or Over

0.00000

Easy Account

Currency

Deposit Amount

Interest Rate (%p.a.)

CAD

Under CAD5000

0.20000

CAD5,000 – CAD49,999.99

0.75000

CAD50,000 – CAD99,999.99

1.10000

CAD100,000 – CAD499,999.99

1.15000

CAD500,000 – CAD999,999.99

1.00000

CAD1,000,000 or Over

0.85000

USD

Under USD5000

0.20000

USD5,000 – USD49,999.99

0.60000

USD50,000 – USD99,999.99

0.75000

USD100,000 – USD499,999.99

1.15000

USD500,000 – USD999,999.99

1.00000

USD1,000,000 or Over

0.85000

CNY

 

0.70000

Passbook Savings

Currency

Rate

USD

0.01000

CNY

0.05000

RRSP Savings

Deposit  Amount

CAD

Under $5,000

0.85000

$5,000 - $24,999

0.95000

$25,000 or Over

1.05000

TFSA Savings

Deposit Amount

CAD

Under $5,000

0.85000

$5,000 - $24,999

0.95000

$25,000 or Over

1.05000

 

  Commercial Account

Business Smart Savings Account

Account Balance

CAD

USD

(Interest rate is calculated based on the full account balance)

(Interest rate is calculated based on the full account balance)

$0 – $999,999.99

0.00000

0.00000

$1,000,000.00 – $1,499,999.99

0.75000

0.70000

$1,500,000.00 – $1,999,999.99

0.80000

0.75000

$2,000,000.00 – $2,999,999.99

0.90000

0.85000

$3,000,000.00 – $4,999,999.99

1.00000

0.95000

$5,000,000.00 or above

1.05000

1.05000

 

2 . CAD Deposit Rates

Premium Investment Deposit (PID) /
Regular Registered Retirement Savings Plan (RRSP) Term Deposit/ Tax Free
Savings Account (TFSA) - CAD

Term

Rate

PID

RRSP

TFSA

 

(Minimum $1,000)

(Minimum $500)

(Minimum $500)

1-Week

0.20000

NA

NA

1-Month

0.40000

NA

NA

2-Month

0.45000

NA

NA

3-Month

0.80000

NA

NA

6-Month

1.15000

1.15000

1.15000

12-Month

1.70000

1.70000

1.70000

2-Year

2.15000

2.15000

2.15000

3-Year

2.25000

2.25000

2.25000

4-Year

2.35000

2.35000

2.35000

5-Year

2.45000

2.45000

2.45000

Interest paid at maturity unless otherwise stated.

 

Premium Investment Deposit (PID) 5-Year Tier

Term

Rate

 

(Minimum $5,000)

0 - 365 Days (1-Year)

1.70000

366 - 730 Days (2-Year)

2.45000

731 - 1,095 Days (3-Year)

2.50000

1,096 - 1,460 Days (4-Year)

2.60000

1,461 - Maturity (5-Year)

2.75000

Effective Yield

2.40000

 

Registered Retirement Savings Plan (RRSP) 5-Year Tier

Term

Rate

 

(Minimum $500)

0 - 12 Months (1-Year)

1.70000

13 - 24 Months (2-Year)

2.45000

25 - 36 Months (3-Year)

2.50000

37 - 48 Months (4-Year)

2.60000

49 - Maturity (5-Year)

2.75000

Effective Yield

2.39900

 

Tax Free Savings Account (TFSA) 5-Year Tier

Term

Rate

 

(Minimum $500)

0 - 12 Months (1-Year)

1.70000

13 - 24 Months (2-Year)

2.45000

25 - 36 Months (3-Year)

2.50000

37 - 48 Months (4-Year)

2.60000

49 - Maturity (5-Year)

2.75000

Effective Yield

2.39900

 

3 . USD & CNY Deposit Rates

USD Term Deposit

Term

Rate

 

(Minimum $1,000)

1-Week

0.25000

1-Month

0.65000

2-Month

0.80000

3-Month

1.20000

6-Month

1.60000

12-Month

1.80000

2-Year

1.95000

3-Year

2.05000

4-Year

2.20000

5-Year

2.30000

 

CNY Term Deposit

Term

Rate

 

Personal

Corporate

 

(Minimum CNY5,000)

1-Month

0.95000

0.95000

2-Month

1.05000

1.05000

3-Month

2.30000

2.30000

6-Month

2.50000

2.50000

12-Month

2.75000

2.75000

 

All lending rates are for CAD loans only. 

Residential Mortgage (Fixed Rate)

Term

Open

Closed

6-Month

7.25000

4.70000

12-Month

7.25000

3.60000

2-Year

NA

3.75000

3-Year

NA

4.30000

4-Year

NA

4.89000

5-Year

NA

5.34000

 

 Residential Mortgage (Variable Rate)

Term

Open

Closed

2-Year(Variable Rate)

NA

Prime Rate + 0.20 *

5-Year(Variable Rate)

Prime Rate + 1.00

Prime Rate + 0.10 *

 *Some conditions applied. Please contact our branches for details.

Basic Rate

CAD Prime Rate (P)

3.70000

USD Base Rate

5.75000

Car Loan (Fixed Rate)

Term

Rate

1-Year

5.30000

2-Year

5.30000

3-Year

5.30000

4-Year

5.30000

5-Year

5.30000

 

5 . Service Charges

Personal  (Effective May 1, 2017)

Commercial  (Effective May 1, 2017)

 

6 . Terms and Conditions for Correspondent Banks