Bank of Canada — major chartered banks (composite)
Bank of Canada
Posted deposit rates, captured August 29, 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 August 29, 2026, effective August 26, 2026.
GIC (non-redeemable)
Term
Rate
1 year
2.45%
3 years
2.55%
5 years
2.75%
Mortgage
Term
Rate
1 year
5.49%
3 years
6.05%
5 years
6.09%
Personal loan
Term
Rate
5 years
2.65%
Prime
Term
Rate
prime rate
4.45%
Savings
Term
Rate
balance $100,000+ (posted daily)
0.01%
non-chequable savings account
0.01%
History
First capture August 29, 2026. The dated series — and the “what changed” ledger — light up from the second capture (weekly).