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( Effective from xx-Xxx-2022 )

The rates(%p.a.) are for information only. For more information please contact our branches.

Special offer

Easy Account Rate* Valid till
CAD 4.00%
USD 3.30%
GIC Rate* Valid till
CAD 1-Year 4.50%
USD 1-Year X.00%
Mortgages Term Rate*
Fixed closed 2-Year 5.00%
Fixed closed 3-Year 5.10%
Variable closed 3-Year
Fixed closed 5-Year 5.10%
Variable closed 5-Year P-0.60%

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 4.00000
CAD100,000 – CAD499,999.99 4.00000
CAD500,000 – CAD999,999.99 4.00000
CAD1,000,000 or above 4.00000
USD Under USD5,000 0.05000
USD5,000 – USD49,999.99 0.10000
USD50,000 – USD99,999.99 3.30000
USD100,000 – USD499,999.99 3.30000
USD500,000 – USD999,999.99 3.30000
USD1,000,000 or above 3.30000
CNY 0.50000
Passbook Savings
Currency Rate
USD 0.01000
CNY 0.05000
RRSP Savings
Deposit Amount CAD
Under $5,000 0.20000
$5,000 - $24,999 0.25000
$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 3.60000
$500,000 – $2,999,999.99 3.70000
$3,000,000 – $19,999,999.99 3.80000
* $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 3.90000
$500,000 – $2,999,999.99 4.00000
$3,000,000 – $9,999,999.99 4.10000
* $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 NA NA
1-Month 1.00000 NA NA
2-Month 1.25000 NA NA
3-Month 1.60000 NA NA
6-Month 2.00000 2.00000 2.00000
9-Month 2.40000 2.40000 2.40000
12-Month 3.95000 3.95000 3.95000
2-Year 4.00000 4.00000 4.00000
3-Year 4.15000 4.15000 4.15000
4-Year 4.25000 4.25000 4.25000
5-Year 4.40000 4.40000 4.40000

Interest paid at maturity unless otherwise stated.

Term Deposit (TD) 5-Year Tier
Term Rate
(Minimum $5000)
0 - 365 Days (1-Year) 3.95000
366 - 730 Days (2-Year) 4.03000
731 - 1,095 Days (3-Year) 4.40000
1,096 - 1,460 Days (4-Year) 4.55000
1,461 - Maturity (5-Year) 5.00000
Effective Yield 4.38600
Registered Retirement Savings Plan (RRSP) 5-Year Tier
Term Rate
(Minimum $500)
0 - 12 Months (1-Year) 3.95000
13 - 24 Months (2-Year) 4.03000
25 - 36 Months (3-Year) 4.40000
37 - 48 Months (4-Year) 4.55000
49 - Maturity (5-Year) 5.00000
Effective Yield 4.37500
Tax Free Savings Account (TFSA) 5-Year Tier
Term Rate
(Minimum $500)
0 - 12 Months (1-Year) 3.95000
13 - 24 Months (2-Year) 4.03000
25 - 36 Months (3-Year) 4.40000
37 - 48 Months (4-Year) 4.55000
49 - Maturity (5-Year) 5.00000
Effective Yield 4.37500
Student GIC
Term Rate
1 year X.XX

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 3.250000
5-Year 3.60000
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 1.20000
12-Month 1.60000 1.60000

4 . Retail Loan Rates

All lending rates are for CAD loans only.

Residential Mortgage (Fixed Rate)
Term Open Closed
6-Month 7.25000 5.50000
12-Month 7.25000 5.35000
2-Year NA 5.55000
3-Year NA 5.80000
4-Year NA 6.00000
5-Year NA 6.49000
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) 5.450000
USD Base Rate 6.750000
Car Loan (Fixed Rate)
Term Rate
1-Year 6.80000
2-Year 6.80000
3-Year 6.80000
4-Year 6.80000
5-Year 6.80000

5 . Schedule of Service Charges

Personal (Effective Oct. 20, 2023)
Commercial (Effective Oct. 20, 2023)