$Ballpark Deposits
RatesChanges
Bank of Canada — major chartered banks (composite)

Bank of Canada

Posted deposit rates, captured October 25, 2026.

Current posted rates

Official Bank of Canada composite of the six major chartered banks' posted rates (weekly) — an anchor and cross-check, not a bank's offer. Captured October 25, 2026, effective October 21, 2026.

GIC (non-redeemable)

TermRate
1 year2.45%
3 years3.20%
5 years2.75%

Mortgage

TermRate
1 year5.49%
3 years6.05%
5 years6.19%

Personal loan

TermRate
5 years2.65%

Prime

TermRate
prime rate4.45%

Savings

TermRate
balance $100,000+ (posted daily)0.01%
non-chequable savings account0.01%

History

Each rate's own capture timeline (date → published rate, oldest first).

Prime · prime rate

August 29, 20264.45%
August 30, 20264.45%
September 6, 20264.45%
September 13, 20264.45%
September 20, 20264.45%
September 27, 20264.45%
October 4, 20264.45%
October 11, 20264.45%
October 18, 20264.45%
October 25, 20264.45%

Mortgage · 1 year

August 29, 20265.49%
August 30, 20265.49%
September 6, 20265.49%
September 13, 20265.49%
September 20, 20265.49%
September 27, 20265.49%
October 4, 20265.49%
October 11, 20265.49%
October 18, 20265.49%
October 25, 20265.49%

Mortgage · 3 years

August 29, 20266.05%
August 30, 20266.05%
September 6, 20266.05%
September 13, 20266.05%
September 20, 20266.05%
September 27, 20266.05%
October 4, 20266.05%
October 11, 20266.05%
October 18, 20266.05%
October 25, 20266.05%

Mortgage · 5 years

August 29, 20266.09%
August 30, 20266.09%
September 6, 20266.09%
September 13, 20266.09%
September 20, 20266.09%
September 27, 20266.09%
October 4, 20266.09%
October 11, 20266.19%
October 18, 20266.19%
October 25, 20266.19%

GIC (non-redeemable) · 1 year

August 29, 20262.45%
August 30, 20262.45%
September 6, 20262.45%
September 13, 20262.45%
September 20, 20262.60%
September 27, 20262.60%
October 4, 20262.45%
October 11, 20262.45%
October 18, 20262.45%
October 25, 20262.45%

GIC (non-redeemable) · 3 years

August 29, 20262.55%
August 30, 20262.55%
September 6, 20262.55%
September 13, 20262.55%
September 20, 20262.75%
September 27, 20262.75%
October 4, 20263.20%
October 11, 20263.20%
October 18, 20263.20%
October 25, 20263.20%

GIC (non-redeemable) · 5 years

August 29, 20262.75%
August 30, 20262.75%
September 6, 20262.75%
September 13, 20262.75%
September 20, 20263.00%
September 27, 20263.00%
October 4, 20262.75%
October 11, 20262.75%
October 18, 20262.75%
October 25, 20262.75%

Personal loan · 5 years

August 29, 20262.65%
August 30, 20262.65%
September 6, 20262.65%
September 13, 20262.65%
September 20, 20262.65%
September 27, 20262.65%
October 4, 20262.65%
October 11, 20262.65%
October 18, 20262.65%
October 25, 20262.65%

Savings · balance $100,000+ (posted daily)

August 29, 20260.01%
August 30, 20260.01%
September 6, 20260.01%
September 13, 20260.01%
September 20, 20260.01%
September 27, 20260.01%
October 4, 20260.01%
October 11, 20260.01%
October 18, 20260.01%
October 25, 20260.01%

Savings · non-chequable savings account

August 29, 20260.01%
August 30, 20260.01%
September 6, 20260.01%
September 13, 20260.01%
September 20, 20260.01%
September 27, 20260.01%
October 4, 20260.01%
October 11, 20260.01%
October 18, 20260.01%
October 25, 20260.01%