Lenders
CIBC
CIBC is recorded in this encyclopedia as a bank operating across Canada, and it deals with borrowers directly and through mortgage brokers.
| Type | bank |
|---|---|
| Operates | Across Canada |
| Head office province | Ontario |
| Website | https://www.cibc.com/en/interest-rates/mortgage-rates.html |
| Publishes rates | Yes. Its published rates are in the mortgage rates section. |
| Channel | both |
Published rates held for this lender
56 published rate rows in this capture were printed under this lender's own name, drawn from its own rate sheet and from the mortgage sweep. They are the same rows that appear in the mortgage rates record, gathered here so the lender's prices can be read beside its record.
| Product | Term or type | Published rate or fee | Conditions as published | Source | As of |
|---|---|---|---|---|---|
| Chequing account | CIBC Smart Account | $6.95 - $16.95 (waived with minimum balance) | Interest rates: N/A; Insurance: CDIC | Compare the Best Chequing Accounts in Canada | Ratehub.ca | Rates updated: November 10, 2026, 8:13 p.m. |
| Chequing account | CIBC Smart Start | $0 for students | Best student chequing account (at a glance table) | Compare the Best Chequing Accounts in Canada | Ratehub.ca | Rates updated: November 10, 2026, 8:13 p.m. |
| Chequing account | Smart Account | $0 for 2 years (then pay $6.95 or $16.95) | Best chequing account welcome bonus as labelled on page; no monthly fee with at least $4,000 balance, up to 12 monthly transactions for $6.95 and unlimited transactions for $16.95 per month as printed on page | Compare the Best Chequing Accounts in Canada | Ratehub.ca | 2026-11-10 |
| Chequing account | Smart Account | $6.95 - $16.95 (waived with minimum balance) | Fee range and waiver as printed in provider table on page; insured by CDIC | Compare the Best Chequing Accounts in Canada | Ratehub.ca | 2026-11-10 |
| Credit card | CIBC Adapta™ Mastercard® | $0 | Annual fee | Best Credit Cards in Canada | |
| Credit card | CIBC Aventura Visa Card for Students | Annual fee $0. Interest 21.99% on purchases, 22.99% on cash advances for non-Quebec residents and 21.99% for Quebec residents. | Earn 1 Aventura point per $1 on eligible travel booked through the CIBC Rewards Centre and 1 point per $1 on eligible gas, EV charging, grocery and drugstore purchases, with up to 12,500 Aventura Points available to earn and a free SPC+ membership. Capture note: the fetched page showed this card with the same internal rate code as the CIBC Aventura Visa Card, and the rates above are the ones printed for that card in the search indexed text of the same CIBC page on 2026-11-15. | Compare and Find the Best CIBC Travel Cards in Canada for You | CIBC | 2026-11-15 |
| Credit card | CIBC Aventura Visa Infinite Card | Annual fee $139, rising to $159 on January 12, 2027 according to the search indexed text of the same CIBC page. Interest 21.99% on purchases, 22.99% on cash advances for non-Quebec residents and 21.99% for Quebec residents. | Earn 2 Aventura points per $1 on eligible travel booked through the CIBC Rewards Centre (CIBC by Expedia) and 1.5 points per $1 on eligible gas, EV charging, grocery and drugstore purchases. Lounge access, a NEXUS application fee rebate and Visa concierge are listed, and CIBC presents the current offer as up to $1,900 in value. Capture note: the fetched page rendered its interest rates as dynamic placeholders, so the rates above are from the search indexed text of the same CIBC page on 2026-11-15; the fee and earn figures come from the fetched page itself. | Compare and Find the Best CIBC Travel Cards in Canada for You | CIBC | 2026-11-15 |
| Credit card | CIBC Dividend Visa Infinite Card | Annual fee $120, rebated for the first year, and $50 each for up to 3 additional cards, also rebated for the first year. Interest 21.99% on purchases, 22.99% on cash advances for non-Quebec residents and 21.99% for Quebec residents. | Earn 4% cash back on eligible gas, EV charging and grocery purchases, 2% on transportation, dining, recurring payments and eligible travel booked through CIBC by Expedia, and 1% on everything else, with no limit on total cash back earned and redemption from $10. Capture note: the fetched page rendered its interest rates as dynamic placeholders, so the rates above are the ones printed in the search indexed text of the same CIBC page on 2026-11-15; the fee and earn figures come from the fetched page itself. | Apply for the Dividend Visa Infinite Credit Card | CIBC | 2026-11-15 |
| GIC | 1-year GIC (non-redeemable) | 3.00% | $100,000 per category Insured by CDIC; non-registered, non-redeemable GICs with annual compounding as noted on page | Non-Redeemable GICs in Canada | 2026-11-13 |
| GIC | 1-year non-redeemable GIC | 3.00% | Non-registered, non-redeemable GICs with annual compounding | Non-Redeemable GICs in Canada | November 13, 2026 at 10:21 AM ET |
| GIC | 2-year GIC (non-redeemable) | 3.20% | $100,000 per category Insured by CDIC; non-registered, non-redeemable GICs with annual compounding as noted on page | Non-Redeemable GICs in Canada | 2026-11-13 |
| GIC | 2-year non-redeemable GIC | 3.20% | Non-registered, non-redeemable GICs with annual compounding | Non-Redeemable GICs in Canada | November 13, 2026 at 10:21 AM ET |
| GIC | 3-year GIC (non-redeemable) | 2.60% | $100,000 per category Insured by CDIC; non-registered, non-redeemable GICs with annual compounding as noted on page | Non-Redeemable GICs in Canada | 2026-11-13 |
| GIC | 3-year non-redeemable GIC | 2.60% | Non-registered, non-redeemable GICs with annual compounding | Non-Redeemable GICs in Canada | November 13, 2026 at 10:21 AM ET |
| GIC | 4-year GIC (non-redeemable) | 2.70% | $100,000 per category Insured by CDIC; non-registered, non-redeemable GICs with annual compounding as noted on page | Non-Redeemable GICs in Canada | 2026-11-13 |
| GIC | 4-year non-redeemable GIC | 2.70% | Non-registered, non-redeemable GICs with annual compounding | Non-Redeemable GICs in Canada | November 13, 2026 at 10:21 AM ET |
| GIC | 5-year GIC (non-redeemable) | 2.75% | $100,000 per category Insured by CDIC; non-registered, non-redeemable GICs with annual compounding as noted on page | Non-Redeemable GICs in Canada | 2026-11-13 |
| GIC | 5-year non-redeemable GIC | 2.75% | Non-registered, non-redeemable GICs with annual compounding | Non-Redeemable GICs in Canada | November 13, 2026 at 10:21 AM ET |
| Mortgage | 1-year fixed (Bank Rate) | 4.99% | Bank Rate: Bank Rate is the mortgage interest rate posted by the big banks in Canada. Rates are based on an average mortgage of $500,000 and subject to change based on filter criteria. | Halal mortgages in Canada | RATESDOTCA | Updated 11:04 on Nov 14, 2026 |
| Mortgage | 1-year fixed (Bank Rate, posted) | 4.99% | Bank Rate is the mortgage interest rate posted by the big banks in Canada. Rates are based on an average mortgage of $500,000 and subject to change based on filter criteria. Updated 11:04 on Nov 14, 2026 | Halal mortgages in Canada | RATESDOTCA | 2026-11-14 |
| Mortgage | 1-year fixed (special offer) Promotional | 5.09% | fixed rate via a bank channel, as published by the source. | BankMortgages.ca: Big-Bank Mortgage Penalties and Rates, Compared | 2026-11-02 |
| Mortgage | 3-year fixed (Bank Rate) | 4.39% | Bank Rate: Bank Rate is the mortgage interest rate posted by the big banks in Canada. Rates are based on an average mortgage of $500,000 and subject to change based on filter criteria. | Halal mortgages in Canada | RATESDOTCA | Updated 11:04 on Nov 14, 2026 |
| Mortgage | 3-year fixed (Bank Rate, posted) | 4.39% | Bank Rate is the mortgage interest rate posted by the big banks in Canada. Rates are based on an average mortgage of $500,000 and subject to change based on filter criteria. Updated 11:04 on Nov 14, 2026 | Halal mortgages in Canada | RATESDOTCA | 2026-11-14 |
| Mortgage | 3-year fixed (broker channel) | 5.09% | fixed rate via a bank channel, as published by the source. | Ratehub.ca: Broker Mortgage Rates | 2026-11-13 |
| Mortgage | 3-year fixed (insurable) | 5.09% | Insurable (e.g. home<$1M & amortization≤25-yr) | Best Mortgage Rates Canada from 3.60% (Compare 50+ Lenders) | November 13, 2026 at 5:35 PM ET |
| Mortgage | 3-year fixed (insured) | 5.09% | Insured (e.g. down payment<20%) | Best Mortgage Rates Canada from 3.60% (Compare 50+ Lenders) | November 13, 2026 at 5:35 PM ET |
| Mortgage | 3-year fixed (insured) | 5.09% | fixed rate via a bank channel, as published by the source. | WOWA: Best Mortgage Rates in Canada | 2026-11-13 |
| Mortgage | 3-year fixed (special offer) Promotional | 5.09% | fixed rate via a bank channel, as published by the source. | BankMortgages.ca: Big-Bank Mortgage Penalties and Rates, Compared | 2026-11-02 |
| Mortgage | 3-year fixed (uninsurable) | 5.09% | Uninsurable (e.g. home ≥ $1M & down payment ≥ 20%, or refinances) | Best Mortgage Rates Canada from 3.60% (Compare 50+ Lenders) | November 13, 2026 at 5:35 PM ET |
| Mortgage | 3-year fixed, ≤25-yr amortization | 5.09% | Special / advertised | CIBC Mortgages: Rates, Prepayment, Penalties, HELOC | BankMortgages.ca | As shown on CIBC’s rates page, prime “as of November 2, 2026” |
| Mortgage | 3-year variable, ≤25-yr amortization | 4.40% | Special / advertised | CIBC Mortgages: Rates, Prepayment, Penalties, HELOC | BankMortgages.ca | As shown on CIBC’s rates page, prime “as of November 2, 2026” |
| Mortgage | 5-year fixed (Bank Rate) | 4.19% | Bank Rate: Bank Rate is the mortgage interest rate posted by the big banks in Canada. Rates are based on an average mortgage of $500,000 and subject to change based on filter criteria. | Halal mortgages in Canada | RATESDOTCA | Updated 11:04 on Nov 14, 2026 |
| Mortgage | 5-year fixed (Bank Rate, posted) | 4.19% | Bank Rate is the mortgage interest rate posted by the big banks in Canada. Rates are based on an average mortgage of $500,000 and subject to change based on filter criteria. Updated 11:04 on Nov 14, 2026 | Halal mortgages in Canada | RATESDOTCA | 2026-11-14 |
| Mortgage | 5-year fixed (broker channel) | 4.99% | fixed rate via a bank channel, as published by the source. | Ratehub.ca: Broker Mortgage Rates | 2026-11-13 |
| Mortgage | 5-year fixed (insured) | 4.99% | Big Six 5-Year Fixed Rates; Discounted rates shown are for qualifying mortgages with amortizations of 25 years or less | Today's Mortgage Rates in Canada - NerdWallet Canada | This week’s mortgage rates | November 2-6, 2026 |
| Mortgage | 5-year fixed (insured) | 4.99% | Your down payment is under 20%, so your mortgage needs mortgage default insurance. Showing Insured rates. | Best 5-Year Fixed Mortgage Rates Canada from 4.25% | WOWA.ca | November 13, 2026 at 5:35 PM ET |
| Mortgage | 5-year fixed (insured) | 4.99% | Best 5-Year Fixed Mortgage Rates Canada from 4.25% | WOWA.ca | As of November 13, 2026 | |
| Mortgage | 5-year fixed (insured) | 4.99% | fixed rate via a bank channel, as published by the source. | WOWA: Best 5-Year Fixed Mortgage Rates in Canada | 2026-11-13 |
| Mortgage | 5-year fixed (posted) | 6.49% | Big Six 5-Year Fixed Rates; Posted | Today's Mortgage Rates in Canada - NerdWallet Canada | This week’s mortgage rates | November 2-6, 2026 |
| Mortgage | 5-year fixed (posted) | 6.49% | fixed rate via a bank channel, as published by the source. | NerdWallet Canada: 5-Year Fixed Mortgage Rates in Canada | 2026-11-14 |
| Mortgage | 5-year fixed (special offer) Promotional | 5.34% | fixed rate via a bank channel, as published by the source. | BankMortgages.ca: Big-Bank Mortgage Penalties and Rates, Compared | 2026-11-02 |
| Mortgage | 5-year fixed (uninsurable) | 5.34% | Best 5-Year Fixed Mortgage Rates Canada from 4.25% | WOWA.ca | As of November 13, 2026 | |
| Mortgage | 5-year fixed (uninsured) | 5.34% | Big Six 5-Year Fixed Rates; Discounted rates shown are for qualifying mortgages with amortizations of 25 years or less | Today's Mortgage Rates in Canada - NerdWallet Canada | This week’s mortgage rates | November 2-6, 2026 |
| Mortgage | 5-year fixed, high ratio | 4.99% | Special / advertised | CIBC Mortgages: Rates, Prepayment, Penalties, HELOC | BankMortgages.ca | As shown on CIBC’s rates page, prime “as of November 2, 2026” |
| Mortgage | 5-year fixed, ≤25-yr amortization | 5.34% | Special / advertised | CIBC Mortgages: Rates, Prepayment, Penalties, HELOC | BankMortgages.ca | As shown on CIBC’s rates page, prime “as of November 2, 2026” |
| Mortgage | 5-year variable (broker channel) | 4.3% | variable rate via a bank channel, as published by the source. | Ratehub.ca: Broker Mortgage Rates | 2026-11-13 |
| Mortgage | Prime rate | 4.70% | Best Mortgage Rates Canada from 3.60% (Compare 50+ Lenders) | As of November 14, 2026 | |
| Personal loan | Personal loan | 9% to 10% | $3,000 to $200,000; 1 to 5 years | Best personal loans in Canada 2026 | Ratehub.ca | 2026-10-02 |
| Personal loan | Personal loan | 9% to 10% | 1 to 5 years; $3,000 to $200,00 as printed | How to buy a car in Canada and get the best loan rate | 2026-10-02 |
| Personal loan | Personal loan (APR) | 9% to 10% | Loan amount: $3,000 to $200,000; Loan term: 1 to 5 years | Best personal loans in Canada 2026 | Ratehub.ca | Rates updated: October 2, 2026, 6:11 p.m. |
| Savings account | CIBC eAdvantage Savings Account | 5.00% for the first 3 months | Fees: See fees here; Insurance: CDIC | Best high interest savings accounts in Canada 2026 | Ratehub.ca | Rates updated: November 12, 2026, 3:44 p.m. |
| Savings account | Savings (FHSA) | 2.00% | Best Savings Accounts in Canada | Updated: 2026-11-14 | |
| Savings account | eAdvantage | 0.40% | Best Savings Accounts in Canada | Updated: 2026-11-14 | |
| Savings account | eAdvantage Promotional | 0.40% | Promotional rate 5.00% applies for the first 3 months as printed on page; $100,000 per category Insured by CDIC | Best Savings Accounts in Canada - Compare Interest Rates | WOWA.ca | 2026-11-14 |
| Savings account | eAdvantage (promotional rate) Promotional | 5.00% | Promotional rate applies for the first 3 months. | Best Savings Accounts in Canada | Updated: 2026-11-14 |
| Savings account | eAdvantage Savings Account | 5.00% for the first 3 months | Promo rate for first 3 months as printed in table; insured by CDIC | Best high interest savings accounts in Canada 2026 | Ratehub.ca | 2026-11-12 |
Products as recorded
- Fixed-Rate Closed mortgage
- Fixed-Rate Open mortgage
- Convertible mortgage
- Variable Flex Mortgage
- Variable Rate Open mortgage
- Home Power Plan
The lender's own website.
Sources for this record
- https://www.cibc.com/en/interest-rates/mortgage-rates.html
- https://www.bankmortgages.ca/cibc-mortgages
- https://www.canadianmortgagetrends.com/cibc-mortgage-rates-and-product-overview/
- https://en.wikipedia.org/wiki/List_of_banks_and_credit_unions_in_Canada
Encyclopedia captured 2026-11-14.