Lenders
Simplii Financial
Simplii Financial is recorded in this encyclopedia as a bank operating across Canada excluding Quebec, and it deals with borrowers directly.
| Type | bank |
|---|---|
| Operates | Across Canada excluding Quebec |
| Head office province | Ontario |
| Website | https://www.simplii.com/en/mortgages.html |
| Publishes rates | Yes. Its published rates are in the mortgage rates section. |
| Channel | direct |
Published rates held for this lender
30 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 |
|---|---|---|---|---|---|
| Credit card | Simplii Financial Cash Back Visa Card | 20.99% for purchases; Rewards rate 0.5%-8% | Annual fee $0; Intro offer Up to $80 | Best Credit Cards in Canada | 2026-11-14 |
| Credit card | Simplii Financial™ Cash Back Visa Card | $0 | Annual fee | Best Credit Cards in Canada | |
| Credit card | Simplii Financial™ Cash Back Visa Card | 20.99% | Interest rates: for purchases | Best Credit Cards in Canada | |
| Credit card | Simplii Financial™ Cash Back Visa Card | 22.99% | Interest rates: for cash advances | Best Credit Cards in Canada | |
| GIC | 1-year GIC (non-redeemable) | 3.54% | $100,000 per category Insured by CDIC; rates marked with asterisks on page and noted as compounded monthly; non-registered, non-redeemable GICs | Non-Redeemable GICs in Canada | 2026-11-13 |
| GIC | 1-year GIC (non-redeemable) | 3.60% | Minimum investment $100; non-redeemable and non-registered as described on page | The best GIC rates in Canada 2026 | Ratehub.ca | 2026-11-14 |
| GIC | 1-year non-redeemable GIC | 3.54% | Non-registered, non-redeemable GICs with annual compounding; *Compounded monthly | Non-Redeemable GICs in Canada | November 13, 2026 at 10:21 AM ET |
| GIC | 2-year GIC (non-redeemable) | 3.54% | $100,000 per category Insured by CDIC; rates marked with asterisks on page and noted as compounded monthly; non-registered, non-redeemable GICs | Non-Redeemable GICs in Canada | 2026-11-13 |
| GIC | 2-year GIC (non-redeemable) | 3.60% | Minimum investment $100; non-redeemable and non-registered as described on page | The best GIC rates in Canada 2026 | Ratehub.ca | 2026-11-14 |
| GIC | 2-year non-redeemable GIC | 3.54% | Non-registered, non-redeemable GICs with annual compounding; *Compounded monthly | Non-Redeemable GICs in Canada | November 13, 2026 at 10:21 AM ET |
| GIC | 3-year GIC (non-redeemable) | 3.64% | $100,000 per category Insured by CDIC; rates marked with asterisks on page and noted as compounded monthly; non-registered, non-redeemable GICs | Non-Redeemable GICs in Canada | 2026-11-13 |
| GIC | 3-year GIC (non-redeemable) | 3.70% | Minimum investment $100; non-redeemable and non-registered as described on page | The best GIC rates in Canada 2026 | Ratehub.ca | 2026-11-14 |
| GIC | 3-year non-redeemable GIC | 3.64% | Non-registered, non-redeemable GICs with annual compounding; *Compounded monthly | Non-Redeemable GICs in Canada | November 13, 2026 at 10:21 AM ET |
| GIC | 4-year GIC (non-redeemable) | 3.88% | $100,000 per category Insured by CDIC; rates marked with asterisks on page and noted as compounded monthly; non-registered, non-redeemable GICs | Non-Redeemable GICs in Canada | 2026-11-13 |
| GIC | 4-year GIC (non-redeemable) | 3.95% | Minimum investment $100; non-redeemable and non-registered as described on page | The best GIC rates in Canada 2026 | Ratehub.ca | 2026-11-14 |
| GIC | 4-year non-redeemable GIC | 3.88% | Non-registered, non-redeemable GICs with annual compounding; *Compounded monthly | Non-Redeemable GICs in Canada | November 13, 2026 at 10:21 AM ET |
| GIC | 5-year GIC (non-redeemable) | 4.17% | $100,000 per category Insured by CDIC; rates marked with asterisks on page and noted as compounded monthly; non-registered, non-redeemable GICs | Non-Redeemable GICs in Canada | 2026-11-13 |
| GIC | 5-year GIC (non-redeemable) | 4.25% | Minimum investment $100; non-redeemable and non-registered as described on page | The best GIC rates in Canada 2026 | Ratehub.ca | 2026-11-14 |
| GIC | 5-year non-redeemable GIC | 4.17% | Non-registered, non-redeemable GICs with annual compounding; *Compounded monthly | Non-Redeemable GICs in Canada | November 13, 2026 at 10:21 AM ET |
| 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 | 5-year fixed (insured) | 5.34% | 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) | 5.34% | fixed rate via a bank channel, as published by the source. | WOWA: Best 5-Year Fixed Mortgage Rates in Canada | 2026-11-13 |
| Savings account | High Interest Savings Account (promotional rate, new clients) Promotional ends January 31, 2027, as published | 5.00% | Promotional rate for new clients: open a High Interest Savings Account in your first 60 days of joining Simplii; 5 months of 5.00% interest on eligible deposits up to $100,000; offer ends January 31, 2027. No monthly fees, no minimum balance. When the special rate ends, the regular tiered rates on the same page apply. | High Interest Savings Account Bonus Interest Offer | Special Offers | Simplii Financial | 2026-11-15 |
| Savings account | High Interest Savings Account (regular rate) | 0.30% | Regular tiered rate for an account balance of $0.00 to $50,000.00. Interest is calculated by multiplying the daily interest rate by the daily closing balance and is paid monthly. Rates are subject to change without notice. No monthly fees, no minimum balance. | High Interest Savings Account Bonus Interest Offer | Special Offers | Simplii Financial | 2026-11-15 |
| Savings account | High Interest Savings Account (regular rate) | 0.50% | Regular tiered rate for an account balance of $50,000.01 to $100,000.00. Interest is calculated by multiplying the daily interest rate by the daily closing balance and is paid monthly. Rates are subject to change without notice. No monthly fees, no minimum balance. | High Interest Savings Account Bonus Interest Offer | Special Offers | Simplii Financial | 2026-11-15 |
| Savings account | High Interest Savings Account (regular rate) | 0.60% | Regular tiered rate for an account balance of $100,000.01 to $500,000.00. Interest is calculated by multiplying the daily interest rate by the daily closing balance and is paid monthly. Rates are subject to change without notice. No monthly fees, no minimum balance. | High Interest Savings Account Bonus Interest Offer | Special Offers | Simplii Financial | 2026-11-15 |
| Savings account | High Interest Savings Account (regular rate) | 0.70% | Regular tiered rate for an account balance of $500,000.01 to $1,000,000.00. Interest is calculated by multiplying the daily interest rate by the daily closing balance and is paid monthly. Rates are subject to change without notice. No monthly fees, no minimum balance. | High Interest Savings Account Bonus Interest Offer | Special Offers | Simplii Financial | 2026-11-15 |
| Savings account | High Interest Savings Account (regular rate) | 1.00% | Regular tiered rate for an account balance of $1,000,000.01 and up. Interest is calculated by multiplying the daily interest rate by the daily closing balance and is paid monthly. Rates are subject to change without notice. No monthly fees, no minimum balance. | High Interest Savings Account Bonus Interest Offer | Special Offers | Simplii Financial | 2026-11-15 |
Products as recorded
- Fixed-rate mortgages
- Variable-rate mortgages
- Secured line of credit
Simplii Financial is a trademark and division of CIBC and its banking products are offered by CIBC; CIBC headquarters is Toronto, Ontario. Nesto and Rates.ca state Simplii products and services are not available in Quebec
The lender's own website.
Sources for this record
- https://www.simplii.com/en/mortgages.html
- https://en.wikipedia.org/wiki/List_of_banks_and_credit_unions_in_Canada
Encyclopedia captured 2026-11-14.