GIC rates
On This Page:
Fixed long-term Fixed short-term Floating rate redeemable CWB Prime rateFixed long-term
CAD Personal GIC rate specials*
19-month GIC: 3.900%
23-month GIC: 4.080%
27-month GIC: 4.250%
23-month GIC: 4.080%
27-month GIC: 4.250%
*Limited time offer for 19-month, 23-month and 27-month Personal CAD GIC deposits until July 29, 2022. Minimum $1000 deposit; eligible deposit types include non-registered, RRSP, TFSA and RRIF. All rates are calculated on a per annum basis and subject to change without notice.
Fixed long-term
Effective date: 24-May-2022
| Term (months) |
Annual interest |
Monthly payment option; Annual interest1 |
Monthly payment option; Gold Leaf PLUS® Annual interest2 |
US Dollar Annual interest |
US Dollar Monthly payment option; Annual interest1 |
| 12 | 2.750% | 2.500% | 2.750% | 1.400% |
1.150% |
| 24 | 3.500% | 3.250% | 3.500% |
1.900% | 1.650% |
| 36 | 3.600% | 3.350% | 3.600% | 2.200% | 1.950% |
| 48 | 3.650% | 3.400% | 3.650% | 2.300% |
2.050% |
| 60 | 3.650% | 3.400% |
3.650% | 2.500% | 2.250% |
| 72 | 4.000% |
3.750% |
4.000% |
2.500% |
2.250% |
| 84 | 4.300% |
4.050% |
4.300% |
2.500% |
2.250% |
| 96 | 4.300% |
4.050% |
4.300% |
2.500% |
2.250% |
| 108 | 4.300% |
4.050% |
4.300% |
2.500% |
2.250% |
| 120 | 4.300% |
4.050% |
4.300% |
2.500% |
2.250% |
1Monthly interest payment is available only if interest is deposited to a CWB account or electronically transferred to an account at another financial institution.
2The Gold Leaf Plus package is available to clients 57 and over, and waives the 0.25% rate reduction for monthly interest payments. The rate reduction applies if monthly interest is not deposited into a CWB account.
Fixed short-term
Fixed short-term
Effective date: 24-May-2022
| Term (days) |
Canadian | US dollar1 |
| 1-6 | See banking centre for details | 0.150% |
| 7-20 | See banking centre for details | 0.150% |
| 21-29 | See banking centre for details | 0.150% |
| 30 | 0.250% | 0.150% |
| 60 | 0.300% | 0.150% |
| 90 | 0.350% |
0.150% |
| 120 | 0.450% | — |
| 180 | 0.550% |
— |
1May not exceed 90 days.
Floating rate redeemable
Floating rate redeemable
Effective date: 24-May-2022
| Term | Canadian1 | US dollar2 |
| 30 days to 1 year | 1.250% | 0.950% |
| 1-3 years | 1.250% | — |
1For deposits maturing prior to 1 year, interest is paid at maturity. For deposits maturing in 1 year or longer, interest is compounded annually.
2Interest is paid at maturity. Personal investments only.
CWB Prime rate
CWB Prime rate
Effective date: 24-May-2022
| CWB Prime rate | 3.20% |
| CWB USD Prime rate | 4.00% |
