(Effective from 31-Mar-2020 )

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

0.05000

$1,000,000.00 or Over

0.00000

Easy Account

Currency

Deposit Amount

Interest Rate (%p.a.)

CAD

Under CAD5000

0.15000

CAD5,000 – CAD49,999.99

0.30000

CAD50,000 – CAD99,999.99

0.45000

CAD100,000 – CAD499,999.99

0.50000

CAD500,000 – CAD999,999.99

0.60000

CAD1,000,000 or Over

0.65000

USD

Under USD5000

0.05000

USD5,000 – USD49,999.99

0.20000

USD50,000 – USD99,999.99

0.25000

USD100,000 – USD499,999.99

0.35000

USD500,000 – USD999,999.99

0.60000

USD1,000,000 or Over

0.65000

CNY

 

0.60000

Passbook Savings

Currency

Rate

USD

0.01000

CNY

0.05000

RRSP Savings

Deposit  Amount

CAD

Under $5,000

0.20000

$5,000 - $24,999

0.30000

$25,000 or Over

0.45000

TFSA Savings

Deposit Amount

CAD

Under $5,000

0.20000

$5,000 - $24,999

0.30000

$25,000 or Over

0.45000

 

  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

0.50000

0.35000

$1,500,000.00 – $1,999,999.99

0.55000

0.40000

$2,000,000.00 – $2,999,999.99

0.60000

0.45000

$3,000,000.00 – $4,999,999.99

0.70000

0.55000

$5,000,000.00 or above

0.75000

0.60000

 

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

0.15000

NA

NA

1-Month

0.20000

NA

NA

2-Month

0.35000

NA

NA

3-Month

0.45000

NA

NA

6-Month

0.65000

0.65000

0.65000

12-Month

1.15000

1.15000

1.15000

2-Year

1.25000

1.25000

1.25000

3-Year

1.30000

1.30000

1.30000

4-Year

1.35000

1.35000

1.35000

5-Year

1.40000

1.40000

1.40000

Interest paid at maturity unless otherwise stated.

 

Premium Investment Deposit (PID) 5-Year Tier

Term

Rate

 

(Minimum $5,000)

0 - 365 Days (1-Year)

1.15000

366 - 730 Days (2-Year)

1.30000

731 - 1,095 Days (3-Year)

1.40000

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

1.50000

1,461 - Maturity (5-Year)

1.60000

Effective Yield

1.39000

 

Registered Retirement Savings Plan (RRSP) 5-Year Tier

Term

Rate

 

(Minimum $500)

0 - 12 Months (1-Year)

1.15000

13 - 24 Months (2-Year)

1.30000

25 - 36 Months (3-Year)

1.40000

37 - 48 Months (4-Year)

1.50000

49 - Maturity (5-Year)

1.60000

Effective Yield

1.38900

 

Tax Free Savings Account (TFSA) 5-Year Tier

Term

Rate

 

(Minimum $500)

0 - 12 Months (1-Year)

1.15000

13 - 24 Months (2-Year)

1.30000

25 - 36 Months (3-Year)

1.40000

37 - 48 Months (4-Year)

1.50000

49 - Maturity (5-Year)

1.60000

Effective Yield

1.38900

 

3 . USD & CNY Deposit Rates

USD Term Deposit

Term

Rate

 

(Minimum $1,000)

1-Week

0.10000

1-Month

0.25000

2-Month

0.30000

3-Month

0.40000

6-Month

0.55000

12-Month

0.75000

2-Year

0.90000

3-Year

1.00000

4-Year

1.10000

5-Year

1.20000

 

CNY Term Deposit

Term

Rate

 

Personal

Corporate

 

(Minimum CNY5,000)

1-Month

0.85000

0.85000

2-Month

0.95000

0.95000

3-Month

1.20000

1.20000

6-Month

1.40000

1.40000

12-Month

1.60000

1.60000

 

All lending rates are for CAD loans only. 

Residential Mortgage (Fixed Rate)

Term

Open

Closed

6-Month

7.25000

4.50000

12-Month

7.25000

3.50000

2-Year

NA

3.65000

3-Year

NA

3.95000

4-Year

NA

4.40000

5-Year

NA

5.00000

 

 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)

2.45000

USD Base Rate

3.75000

Car Loan (Fixed Rate)

Term

Rate

1-Year

4.95000

2-Year

4.95000

3-Year

4.95000

4-Year

4.95000

5-Year

4.95000

 

5 . Service Charges

Personal  (Effective Mar. 25, 2020)

Commercial  (Effective Mar. 25, 2020)

 

6 . Terms and Conditions for Correspondent Banks