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( Effective from Dec 1, 2025 )
The rates(%p.a.) are for information only. For more information please contact our branches.
Special offer
| Easy Account |
Rate* |
Valid till |
| CAD |
3.00% |
|
| USD |
2.50% |
| GIC |
Rate* |
Valid till |
| CAD 1-Year |
3.20% |
|
| USD 1-Year |
3.90% |
| Mortgages |
Term |
Rate* |
| Fixed closed |
2-Year |
4.80% |
| Fixed closed |
3-Year |
3.90% |
| Variable closed |
3-Year |
P-0.80% |
| Fixed closed |
5-Year |
4.00% |
| Variable closed |
5-Year |
P-0.70% |
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 above |
0.00000 |
Easy Account
Interest rate is calculated based on the full account balance
| Currency |
Deposit Amount |
Rate |
| CAD |
Under CAD5,000 |
0.05000 |
| CAD5,000 – CAD49,999.99 |
0.10000 |
| CAD50,000 – CAD99,999.99 |
3.00000 |
| CAD100,000 – CAD499,999.99 |
3.00000 |
| CAD500,000 – CAD999,999.99 |
3.00000 |
| CAD1,000,000 or above |
3.00000 |
| USD |
Under USD5,000 |
0.05000 |
| USD5,000 – USD49,999.99 |
0.10000 |
| USD50,000 – USD99,999.99 |
2.50000 |
| USD100,000 – USD499,999.99 |
2.50000 |
| USD500,000 – USD999,999.99 |
2.50000 |
| USD1,000,000 or above |
2.50000 |
| CNY |
|
0.50000 |
RRSP Savings
| Deposit Amount |
CAD |
| Under $5,000 |
0.20000 |
| $5,000 - $24,999 |
0.25000 |
| $25,000 or above |
0.35000 |
TFSA Savings
| Deposit Amount |
CAD |
| Under $5,000 |
0.20000 |
| $5,000 - $24,999 |
0.25000 |
| $25,000 or above |
0.35000 |
Commercial Account
Business Smart Savings Account
| Account Balance |
CAD |
| (Interest is paid on the portion of balance within each tier) |
| $0 – $99,999.99 |
0.00000 |
| $100,000 – $499,999.99 |
1.10000 |
| $500,000 – $2,999,999.99 |
1.20000 |
| $3,000,000 – $19,999,999.99 |
1.30000 |
| * $20,000,000 or above |
0.00000 |
| * For funds exceeding CAD 20 million, please speak to your Relationship Manager about other investment options better suit for your business |
| Account Balance |
USD |
| (Interest is paid on the portion of balance within each tier) |
| $0 – $99,999.99 |
0.00000 |
| $100,000 – $499,999.99 |
2.45000 |
| $500,000 – $2,999,999.99 |
2.55000 |
| $3,000,000 – $9,999,999.99 |
2.65000 |
| * $10,000,000 or above |
0.00000 |
| * For funds exceeding USD 10 million, please speak to your Relationship Manager about other investment options better suit for your business |
2 . CAD Deposit Rates
Term Deposit (TD) /
Regular Registered Retirement Savings Plan (RRSP) Term Deposit/ Tax Free
Savings Account (TFSA) - CAD
| Term |
Rate |
| TD |
RRSP |
TFSA |
|
(Minimum $1,000) |
(Minimum $500) |
(Minimum $500) |
| 1-Week |
0.50000 |
N/A |
N/A |
| 1-Month |
1.00000 |
N/A |
N/A |
| 2-Month |
1.25000 |
N/A |
N/A |
| 3-Month |
1.60000 |
N/A |
N/A |
| 6-Month |
1.80000 |
1.80000 |
1.80000 |
| 9-Month |
2.15000 |
2.15000 |
2.15000 |
| 12-Month |
2.65000 |
2.65000 |
2.65000 |
| 2-Year |
2.65000 |
2.65000 |
2.65000 |
| 3-Year |
2.50000 |
2.50000 |
2.50000 |
| 4-Year |
2.50000 |
2.50000 |
2.50000 |
| 5-Year |
2.60000 |
2.60000 |
2.60000 |
Interest paid at maturity unless otherwise stated.
Term Deposit (TD) 5-Year Tier
| Term |
Rate |
|
(Minimum $5000) |
| 0 - 365 Days (1-Year) |
2.65000 |
| 366 - 730 Days (2-Year) |
2.55000 |
| 731 - 1,095 Days (3-Year) |
2.25000 |
| 1,096 - 1,460 Days (4-Year) |
2.30000 |
| 1,461 - Maturity (5-Year) |
2.45000 |
| Effective Yield |
2.44000 |
Registered Retirement Savings Plan (RRSP) 5-Year Tier
| Term |
Rate |
|
(Minimum $500) |
| 0 - 12 Months (1-Year) |
2.65000 |
| 13 - 24 Months (2-Year) |
2.55000 |
| 25 - 36 Months (3-Year) |
2.25000 |
| 37 - 48 Months (4-Year) |
2.30000 |
| 49 - Maturity (5-Year) |
2.45000 |
| Effective Yield |
2.44000 |
Tax Free Savings Account (TFSA) 5-Year Tier
| Term |
Rate |
|
(Minimum $500) |
| 0 - 12 Months (1-Year) |
2.65000 |
| 13 - 24 Months (2-Year) |
2.55000 |
| 25 - 36 Months (3-Year) |
2.25000 |
| 37 - 48 Months (4-Year) |
2.30000 |
| 49 - Maturity (5-Year) |
2.45000 |
| Effective Yield |
2.44000 |
Student GIC
3 . USD & CNY Deposit Rates
USD Term Deposit
| Term |
Rate |
|
(Minimum $1000) |
| 1-Week |
0.10000 |
| 1-Month |
0.65000 |
| 2-Month |
0.75000 |
| 3-Month |
1.00000 |
| 6-Month |
1.90000 |
| 9-Month |
2.20000 |
| 12-Month |
2.65000 |
| 2-Year |
2.75000 |
| 3-Year |
3.00000 |
| 4-Year |
3.25000 |
| 5-Year |
3.25000 |
CNY Term Deposit
| Term |
Rate |
| Personal |
Corporate |
|
(Minimum CNY 5,000) |
| 1-Month |
0.50000 |
0.50000 |
| 2-Month |
0.60000 |
0.60000 |
| 3-Month |
0.90000 |
0.90000 |
| 6-Month |
1.20000 |
1.10000 |
| 12-Month |
1.60000 |
1.30000 |
4 . Retail Loan Rates
All lending rates are for CAD loans only.
Residential Mortgage (Fixed Rate)
| Term |
Open |
Closed |
| 6-Month |
9.00000 |
7.50000 |
| 12-Month |
8.00000 |
6.50000 |
| 2-Year |
N/A |
6.40000 |
| 3-Year |
N/A |
6.30000 |
| 4-Year |
N/A |
6.20000 |
| 5-Year |
N/A |
6.35000 |
Residential Mortgage (Variable Rate)
| Term |
Open |
Closed |
| 2-Year(Variable Rate) |
N/A |
Prime Rate + 0.20 to 0.5* |
| 5-Year(Variable Rate) |
Prime Rate + 1.00 |
Prime Rate + 0.10 to 0.3 * |
*Some conditions applied. Please contact our branches for details.
Basic Rate
| CAD Prime Rate (P) |
4.45000 |
| USD Base Rate |
7.50000 |
Car Loan (Fixed Rate)
| Term |
Rate |
| 1-Year |
7.30000 |
| 2-Year |
7.30000 |
| 3-Year |
7.30000 |
| 4-Year |
7.30000 |
| 5-Year |
7.30000 |
5 . Schedule of Service Charges
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