Rates

All our rates.
Always high interest.

Looking for top-tier rates that take your money further? Earn high interest with any of our products—on any balance.

Our rates Effective April 11, 2025.

EQ Bank Product	Rate
Personal Account	Base rate: 1.25%^* Bonus interest rate: 4.00%^* (1.25%^* base rate + 2.75%^** bonus interest)	Learn more about our Personal Account
Joint Account	Base rate: 1.25%^* Bonus interest rate: 4.00%^* (1.25%^* base rate + 2.75%^** bonus interest)	Learn more about our Joint Account

EQ Bank Product

Rate

Personal Account

Base rate: 1.25%^*

Bonus interest rate: 4.00%^* (1.25%^* base rate + 2.75%^** bonus interest)

Learn more

Joint Account

Base rate: 1.25%^*

Bonus interest rate: 4.00%^* (1.25%^* base rate + 2.75%^** bonus interest)

Learn more

EQ Bank Product	Rate
10 Day Notice Savings Account	2.85%^*	Learn more about our Notice Savings Account
30 Day Notice Savings Account	3.00%^*	Learn more about our Notice Savings Account
TFSA Savings Account	1.75%^*	Learn more about our TFSA Savings Account
FHSA Savings Account	1.75%^*	Learn more about our FHSA Savings Account
RSP Savings Account	1.75%^*	Learn more about our RSP Savings Account
US Dollar Account	3.00%^*	Learn more about our US Dollar Account

EQ Bank Product	Rate
Non-registered 1 Year	3.45%¹	Learn more about our about our GICs
Registered 3 months	2.75%¹	Learn more about our about our GICs

Most popular GIC terms (1 to 5 years)

TFSA

RSP

FHSA

TFSA GICs
Term	Rate^*	Start investing
1 Year	3.45%	Get Rate
15 Month	3.45%	Get Rate
2 Year	3.50%	Get Rate
27 Month	3.50%	Get Rate
3 Year	3.55%	Get Rate
4 Year	3.55%	Get Rate
5 Year	3.65%	Get Rate

RSP GICs
Term	Rate^*	Start investing
1 Year	3.45%	Get Rate
15 Month	3.45%	Get Rate
2 Year	3.50%	Get Rate
27 Month	3.50%	Get Rate
3 Year	3.55%	Get Rate
4 Year	3.55%	Get Rate
5 Year	3.65%	Get Rate

FHSA GICs
Term	Rate^*	Start investing
1 Year	3.45%	Get Rate
15 Month	3.45%	Get Rate
2 Year	3.50%	Get Rate
27 Month	3.50%	Get Rate
3 Year	3.55%	Get Rate
4 Year	3.55%	Get Rate
5 Year	3.65%	Get Rate

Non-registered
Term	Rate^*	Start investing
1 Year	3.45%	Get Rate
15 Month	3.45%	Get Rate
2 Year	3.50%	Get Rate
27 Month	3.50%	Get Rate
3 Year	3.55%	Get Rate
4 Year	3.55%	Get Rate
5 Year	3.65%	Get Rate

Short term GICs (less than 1 year)

TFSA

RSP

FHSA

TFSA caption
Term	Rate^*	Start investing
3 month	2.75%	Get Rate
6 month	3.00%	Get Rate
9 month	3.05%	Get Rate

RSP caption
Term	Rate^*	Start investing
3 month	2.75%	Get Rate
6 month	3.00%	Get Rate
9 month	3.05%	Get Rate

FHSA caption
Term	Rate^*	Start investing
3 month	2.75%	Get Rate
6 month	3.00%	Get Rate
9 month	3.05%	Get Rate

Non-registered GIC rates
Term	Rate^*	Start investing
3 month	2.75%	Get Rate
6 month	3.00%	Get Rate
9 month	3.05%	Get Rate

Long term GICs (1 year or more)

TFSA

RSP

FHSA

TFSA GICs
Term	Rate^*	Start investing
1 Year	3.45%	Get Rate
15 Month	3.45%	Get Rate
2 Year	3.50%	Get Rate
27 Month	3.50%	Get Rate
3 Year	3.55%	Get Rate
4 Year	3.55%	Get Rate
5 Year	3.65%	Get Rate
6 Year	2.60%	Get Rate
7 Year	2.60%	Get Rate
10 Year	2.60%	Get Rate

RSP GICs
Term	Rate^*	Start investing
1 Year	3.45%	Get Rate
15 Month	3.45%	Get Rate
2 Year	3.50%	Get Rate
27 Month	3.50%	Get Rate
3 Year	3.55%	Get Rate
4 Year	3.55%	Get Rate
5 Year	3.65%	Get Rate
6 Year	2.60%	Get Rate
7 Year	2.60%	Get Rate
10 Year	2.60%	Get Rate

FSHA GICs
Term	Rate^*	Start investing
1 Year	3.45%	Get Rate
15 Month	3.45%	Get Rate
2 Year	3.50%	Get Rate
27 Month	3.50%	Get Rate
3 Year	3.55%	Get Rate
4 Year	3.55%	Get Rate
5 Year	3.65%	Get Rate
6 Year	2.60%	Get Rate
7 Year	2.60%	Get Rate
10 Year	2.60%	Get Rate

Non-registered GICs
Term	Rate^*	Start investing
1 Year	3.45%	Get Rate
15 Month	3.45%	Get Rate
2 Year	3.50%	Get Rate
27 Month	3.50%	Get Rate
3 Year	3.55%	Get Rate
4 Year	3.55%	Get Rate
5 Year	3.65%	Get Rate
6 Year	2.60%	Get Rate
7 Year	2.60%	Get Rate
10 Year	2.60%	Get Rate

Ready to take advantage of our great rates?

Get started by opening a Personal Account

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Footnotes

Footnote *: Interest is calculated daily on the total closing balance and paid monthly. Rates are per annum and subject to change without notice.

^{Return to footnote * referrer}
Footnote **: Interest is calculated daily on the total closing balance and paid monthly. For the EQ Bank Card, interest is paid into the linked Personal Account. Rates are per annum and subject to change without notice. For the Personal Account, Joint Account and EQ Bank Card, the current base interest rate is 1.25% (the “Base Rate”). Customers who add and maintain qualifying recurring direct deposits of at least $2000/month to a Personal Account or Joint Account are eligible to earn a bonus interest rate of 4.00% (the Base Rate plus an additional 2.75%) for the eligible accounts (the Personal Account, Joint Account, and the EQ Bank Card balance). Conditions apply. Please review the EQ Bank Bonus Interest Offer Terms and Conditions for details.

^{Return to footnote ** referrer}
Footnote 1: EQ Bank GICs are non-redeemable. For GIC terms of less than one year, simple interest is calculated on a per diem basis and paid at maturity. For GIC terms equal to one year, simple interest is calculated on a per annum basis and paid at maturity. For GIC terms of over one year, not including 15 and 27 month terms, interest is calculated on a per annum basis and paid either annually (simple interest) or at maturity (compounded annually). For GIC terms of 15 and 27 months, interest is calculated on a per annum basis, compounded annually and paid solely at maturity. In all cases, interest is accrued for the entire GIC term. Maximum 20 GICs per customer. Each GIC purchase has a minimum purchase requirement of $100. The per GIC investment limit is $100,000. Aggregate GIC investment limit of $2,000,000 per business.

^{Return to footnote 1 referrer}
Footnote: EQ Bank does not offer the following products in the province of Quebec: US Dollar Account, International Money Transfers, RSP Savings Accounts, RSP GICs, FHSA Savings Account, FHSA GICs, Business Account, and Business GICs. Additionally, the EQ to EQ transfers feature is not available in Quebec.

^{Return to footnote referrer}

All our rates.
Always high interest.

Our rates Effective April 11, 2025.

Everyday Banking

Savings

Investments

Most popular GIC terms (1 to 5 years)

Non-registered

Registered GICs

TFSA

RSP

FHSA

Short term GICs (less than 1 year)

Non-registered

Registered GICs

TFSA

RSP

FHSA

Long term GICs (1 year or more)

Non-registered GICs

Registered GICs

TFSA

RSP

FHSA

Ready to take advantage of our great rates?

About Us

Resources

Accounts

Our rates Effective April 11, 2025.

Everyday Banking

Savings

Investments

Most popular GIC terms (1 to 5 years)

Non-registered

Registered GICs

TFSA

RSP

FHSA

Short term GICs (less than 1 year)

Non-registered

Registered GICs

TFSA

RSP

FHSA

Long term GICs (1 year or more)

Non-registered GICs

Registered GICs

TFSA

RSP

FHSA

Ready to take advantage of our great rates?

About Us

Resources

Accounts

Social

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