Rates
Savings and chequing rates
Published savings, high-interest savings and chequing rates. The lead figure is a promotion, and its conditions are printed beside it, because a promotional figure and a regular figure are different promises.
The highest rate confirmed at an institution's own page
Highest savings rate confirmed at an institution's own published page5.00%Simplii Financial · High Interest Savings Account (promotional rate, new clients) · 2026-11-15
The 5.00% figure is a promotion for new clients: five months at that rate on eligible deposits up to $100,000, with the offer ending January 31, 2027. The account's regular rate behind it runs from 0.30% to 1.00% by balance. The row's full published conditions are in the table below.
338 published rows, captured 2026-11-14 to 2026-11-15. Each row prints the figure exactly as its source published it, with the source and the row's own as-of date.
The promotional figures in this capture, shown separately
A row is listed here when its own published term or conditions describe it as promotional, introductory, limited-time or tied to new clients or new money, in the source's words. The same rows also appear in their institution's section below, marked with a promotional tag, so nothing is hidden by the separation: the point of showing them apart is that a promotional figure and a regular figure are different promises, and a reader comparing only the percentages will mistake the loudest promise for the best one. Where the conditions print an end date, the tag carries it.
| Institution | Product | Term or type | Published rate or fee | Conditions as published | Source | As of |
|---|---|---|---|---|---|---|
| BMO | Savings account | Amplifier Account (promotional rate) Promotional | 5.00% | Promotional rate applies for the first 4 months. | Best Savings Accounts in Canada | Updated: 2026-11-14 |
| CIBC | 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 |
| Simplii Financial | 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 |
| Scotiabank | Savings account | Scotiabank MomentumPlus Savings Account Promotional | 4.95% | 4.95% for the first three months when you pair a Scotiabank Ultimate Package with a MomentumPLUS Savings Account | The best high-interest savings accounts in Canada for 2026 | 2026-11-14 |
| RBC | Savings account | High Interest eSavings (promotional rate) Promotional | 4.70% | Promotional rate applies for the first 3 months. | Best Savings Accounts in Canada | Updated: 2026-11-14 |
| WFCU | Savings account | High Interest Savings Account (promotional rate) Promotional | 4.56% | Promotional rate applies for 4 months (120 days). | Best Savings Accounts in Canada | Updated: 2026-11-14 |
| Tangerine | Savings account | Savings Account (promotional rate) Promotional | 4.50% | Promotional rate applies for the first 5 months. | Best Savings Accounts in Canada | Updated: 2026-11-14 |
| Tangerine | Savings account | Tangerine Savings Account Promotional | 4.50% | 4.50% for the first 5 months; regular rate of 0.30% | The best high-interest savings accounts in Canada for 2026 | 2026-11-14 |
| EQ Bank | Savings account | EQ Bank Personal Account Promotional | 3.00% | Promotional rate; Monthly fee $0 | Best High-Interest Savings Accounts in Canada for 2026 | These HISAs also offer higher-than-average rates as of November 9, 2026 |
| EQ Bank | Savings account | EQ Bank Personal Account Promotional | 3.00% | Promotional rate as marked on page; monthly fee $0 | Best High-Interest Savings Accounts in Canada for 2026 | 2026-11-09 |
| Manulife Bank | Savings account | Advantage Account rate (promotional rate) Promotional | 3.00% | Promotional rate applies for 2 years (730 days) | Best Savings Accounts in Canada | Updated: 2026-11-14 |
| PC Financial | Savings account | Money Account (promotional rate) Promotional | 2.90% | This rate applies only to accounts receiving direct deposits (minimum $2,000/month) for 12 Months. | Best Savings Accounts in Canada | Updated: 2026-11-14 |
| RBC | Savings account | High Interest eSavings Promotional | 0.65% | Promotional rate 4.70% 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 |
| WFCU | Savings account | High Interest Savings Account Promotional | 0.50% | Promotional rate 4.56% applies for 4 months (120 days) as printed on page; $250,000 per depositor Insured by FSRA (DIRF) | Best Savings Accounts in Canada - Compare Interest Rates | WOWA.ca | 2026-11-14 |
| BMO | Savings account | Amplifier Account Promotional | 0.45% | Promotional rate 5.00% applies for the first 4 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 |
| CIBC | 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 |
| Tangerine | Savings account | Savings Account Promotional | 0.30% | Promotional rate 4.50% applies for the first 5 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 |
| Scotiabank | Savings account | Scotia High Interest Savings Account Promotional | Up to 5.00% | Promotional rate; Monthly fee $0 | Best High-Interest Savings Accounts in Canada for 2026 | These HISAs also offer higher-than-average rates as of November 9, 2026 |
| Scotiabank | Savings account | Scotia High Interest Savings Account Promotional | Up to 5.00% | Promotional rate as printed in table; up to 5.00% total interest for first 3 months with eligible welcome offer as printed on page; monthly fee $0 | Best High-Interest Savings Accounts in Canada for 2026 | 2026-11-09 |
| Tangerine | Savings account | Tangerine Savings Account Promotional | Up to 4.50% | Promotional rate; Monthly fee $0 | Best High-Interest Savings Accounts in Canada for 2026 | These HISAs also offer higher-than-average rates as of November 9, 2026 |
| Tangerine | Savings account | Tangerine Savings Account Promotional | Up to 4.50% | Promotional rate as printed in table; monthly fee $0 | Best High-Interest Savings Accounts in Canada for 2026 | 2026-11-09 |
Access Credit Union
| Product | Term or type | Published rate or fee | Conditions as published | Source | As of |
|---|---|---|---|---|---|
| Savings account | Ability Savings | 0.10% | Access Credit Union - Access Credit Union Rates | Current Mortgage & Savings Rates | Rates were last updated November 13, 2026 | |
| Savings account | Daily Savings | 0.10% | Access Credit Union - Access Credit Union Rates | Current Mortgage & Savings Rates | Rates were last updated November 13, 2026 | |
| Savings account | Grow Accounts | 3.25% | Grow Accounts, $0 - $2,000 | Access Credit Union - Access Credit Union Rates | Current Mortgage & Savings Rates | Rates were last updated November 13, 2026 |
| Savings account | Grow Accounts | 1.00% | Grow Accounts, $2,001+ | Access Credit Union - Access Credit Union Rates | Current Mortgage & Savings Rates | Rates were last updated November 13, 2026 |
| Savings account | Platinum Savings | 2.15% | Platinum Savings, $0 - $99,999 | Access Credit Union - Access Credit Union Rates | Current Mortgage & Savings Rates | Rates were last updated November 13, 2026 |
| Savings account | Platinum Savings | 2.25% | Platinum Savings, $100,000 - $249,999 | Access Credit Union - Access Credit Union Rates | Current Mortgage & Savings Rates | Rates were last updated November 13, 2026 |
| Savings account | Platinum Savings | 2.50% | Platinum Savings, $250,000 and over | Access Credit Union - Access Credit Union Rates | Current Mortgage & Savings Rates | Rates were last updated November 13, 2026 |
| Savings account | Premium Savings | 1.00% | Access Credit Union - Access Credit Union Rates | Current Mortgage & Savings Rates | Rates were last updated November 13, 2026 | |
| Savings account | USD Daily Savings | 0.25% | Access Credit Union - Access Credit Union Rates | Current Mortgage & Savings Rates | Rates were last updated November 13, 2026 |
Achieva Financial
| Product | Term or type | Published rate or fee | Conditions as published | Source | As of |
|---|---|---|---|---|---|
| Savings account | Daily Interest Savings (non-registered) | 2.05% | Best Savings Accounts in Canada | Updated: 2026-11-14 | |
| Savings account | Daily Interest Savings (registered) | 2.20% | Best Savings Accounts in Canada | Updated: 2026-11-14 |
Achieva Savings
| Product | Term or type | Published rate or fee | Conditions as published | Source | As of |
|---|---|---|---|---|---|
| Savings account | Achieva Savings Daily Interest Savings Account | 2.05% | Fees: $0; Insurance: DGCM | Best high interest savings accounts in Canada 2026 | Ratehub.ca | Rates updated: November 12, 2026, 3:44 p.m. |
| Savings account | Daily Interest Savings Account | 2.05% | Fees $0 as printed in table; insured by DGCM | Best high interest savings accounts in Canada 2026 | Ratehub.ca | 2026-11-12 |
Alterna Bank
| Product | Term or type | Published rate or fee | Conditions as published | Source | As of |
|---|---|---|---|---|---|
| Savings account | High Interest ESavings Account | 1.05% | Best Savings Accounts in Canada | Updated: 2026-11-14 |
BMO
| Product | Term or type | Published rate or fee | Conditions as published | Source | As of |
|---|---|---|---|---|---|
| Savings account | Amplifier Account | 0.45% | Best Savings Accounts in Canada | Updated: 2026-11-14 | |
| Savings account | Amplifier Account Promotional | 0.45% | Promotional rate 5.00% applies for the first 4 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 | Amplifier Account (promotional rate) Promotional | 5.00% | Promotional rate applies for the first 4 months. | Best Savings Accounts in Canada | Updated: 2026-11-14 |
| Chequing account | BMO Performance Chequing Account | $17.95 (waived with $4,000 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. |
| Savings account | FHSA Cash Savings | 2.00% | Best Savings Accounts in Canada | Updated: 2026-11-14 | |
| Chequing account | Performance Chequing Account | $17.95 (waived with $4,000 balance) | Fee and waiver as printed in provider table on page; insured by CDIC | Compare the Best Chequing Accounts in Canada | Ratehub.ca | 2026-11-10 |
| Savings account | Smart Saver Account | 0.05% | Best Savings Accounts in Canada | Updated: 2026-11-14 |
Bridgewater Bank
| Product | Term or type | Published rate or fee | Conditions as published | Source | As of |
|---|---|---|---|---|---|
| Savings account | Smart eSavings Account | 2.70% | Best Savings Accounts in Canada | Updated: 2026-11-14 |
CI Direct Investing
| Product | Term or type | Published rate or fee | Conditions as published | Source | As of |
|---|---|---|---|---|---|
| Savings account | CI Direct Investing High-Interest Savings Account | 1.25% | Fees: $0; Insurance: CIPF | Best high interest savings accounts in Canada 2026 | Ratehub.ca | Rates updated: November 12, 2026, 3:44 p.m. |
| Savings account | High Interest Savings Account | 1.25% | Best Savings Accounts in Canada | Updated: 2026-11-14 |
CIBC
| 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. |
| 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 | |
| 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 |
| 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 |
Caisse Alliance
| Product | Term or type | Published rate or fee | Conditions as published | Source | As of |
|---|---|---|---|---|---|
| Savings account | Business Daily Savings Account - $0 to $4,999.99 | 0.30% | Business Accounts | Interest Rates | Caisse Alliance | Rates effective November 6, 2026 |
| Savings account | Business Daily Savings Account - $100,000 or more | 1.50% | Business Accounts | Interest Rates | Caisse Alliance | Rates effective November 6, 2026 |
| Savings account | Business Daily Savings Account - $5,000 to $99,999.99 | 1.10% | Business Accounts | Interest Rates | Caisse Alliance | Rates effective November 6, 2026 |
| Savings account | Business High-Yield Savings Account - $1,000,000 to $2,499,999.99 | 2.15% | Business Accounts | Interest Rates | Caisse Alliance | Rates effective November 6, 2026 |
| Savings account | Business High-Yield Savings Account - $100,000 to $249,999.99 | 1.60% | Business Accounts | Interest Rates | Caisse Alliance | Rates effective November 6, 2026 |
| Savings account | Business High-Yield Savings Account - $2,500,000 or more | 2.40% | Business Accounts | Interest Rates | Caisse Alliance | Rates effective November 6, 2026 |
| Savings account | Business High-Yield Savings Account - $250,000 to $999,999.99 | 1,90% | Business Accounts | Interest Rates | Caisse Alliance | Rates effective November 6, 2026 |
| Savings account | Daily Interest Savings Account | 0.05% | Personal Accounts | Interest Rates | Caisse Alliance | Rates effective November 6, 2026 |
| Savings account | High-Yield Savings Account - $0 to $999.99 | 0.05% | Personal Accounts | Interest Rates | Caisse Alliance | Rates effective November 6, 2026 |
| Savings account | High-Yield Savings Account - $1,000 to $4,999.99 | 0.40% | Personal Accounts | Interest Rates | Caisse Alliance | Rates effective November 6, 2026 |
| Savings account | High-Yield Savings Account - $5,000 or more | 0.75% | Personal Accounts | Interest Rates | Caisse Alliance | Rates effective November 6, 2026 |
| Savings account | Registered Variable Savings Account (TFSA, FHSA, RRSP, LIRA, RRIF, LIF) | 0.65% | Personal Accounts | Interest Rates | Caisse Alliance | Rates effective November 6, 2026 |
| Savings account | Student Savers Account (0 to 12 years old) | 0.10% | Personal Accounts | Interest Rates | Caisse Alliance | Rates effective November 6, 2026 |
| Savings account | USD Account - $0 to $99,999.99 | 0.20% | Business Accounts | Interest Rates | Caisse Alliance | Rates effective November 6, 2026 |
| Savings account | USD Account - $1,000,000 or more | 0.40% | Business Accounts | Interest Rates | Caisse Alliance | Rates effective November 6, 2026 |
| Savings account | USD Account - $100,000 to $499,999.99 | 0.30% | Business Accounts | Interest Rates | Caisse Alliance | Rates effective November 6, 2026 |
| Savings account | USD Account - $500,000 to $999,999.99 | 0.35% | Business Accounts | Interest Rates | Caisse Alliance | Rates effective November 6, 2026 |
| Savings account | USD Build-Up Savings Account - $0 to $99,999.99 | 0.05% | Personal Accounts | Interest Rates | Caisse Alliance | Rates effective November 6, 2026 |
| Savings account | USD Build-Up Savings Account - $100,000 to 499,999.99 | 0.10% | Personal Accounts | Interest Rates | Caisse Alliance | Rates effective November 6, 2026 |
| Savings account | USD Build-Up Savings Account - $500,000 or more | 0.15% | Personal Accounts | Interest Rates | Caisse Alliance | Rates effective November 6, 2026 |
| Savings account | Youth Profit Account (12 to 26 years old) | 0.10% | Personal Accounts | Interest Rates | Caisse Alliance | Rates effective November 6, 2026 |
Canadian Tire
| Product | Term or type | Published rate or fee | Conditions as published | Source | As of |
|---|---|---|---|---|---|
| Savings account | High Interest Savings Account | 2.40% | Best Savings Accounts in Canada | Updated: 2026-11-14 |
Canadian Tire Bank
| Product | Term or type | Published rate or fee | Conditions as published | Source | As of |
|---|---|---|---|---|---|
| Savings account | Canadian Tire Bank High-Interest Savings Account | 2.40% | Fees: $0; Insurance: CDIC | Best high interest savings accounts in Canada 2026 | Ratehub.ca | Rates updated: November 12, 2026, 3:44 p.m. |
| Savings account | High-Interest Savings Account | 2.40% | Fees $0 as printed in table; insured by CDIC | Best high interest savings accounts in Canada 2026 | Ratehub.ca | 2026-11-12 |
Coast Capital
| Product | Term or type | Published rate or fee | Conditions as published | Source | As of |
|---|---|---|---|---|---|
| Chequing account | Coast Capital Free Chequing, Free Debit, and More Account | $0 | 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 | Free Chequing, Free Debit, and More Account | $0 | Fee as printed in provider table on page; insured by CDIC | Compare the Best Chequing Accounts in Canada | Ratehub.ca | 2026-11-10 |
| Savings account | High-Interest Savings | 0.40% | Best Savings Accounts in Canada | Updated: 2026-11-14 |
Coast Capital Savings
| Product | Term or type | Published rate or fee | Conditions as published | Source | As of |
|---|---|---|---|---|---|
| Savings account | Coast Capital Savings High-Interest Savings Account | 0.30% | 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. |
DUCA
| Product | Term or type | Published rate or fee | Conditions as published | Source | As of |
|---|---|---|---|---|---|
| Savings account | Aim For More Savings (interest paid semi-annually) | 0.05% | Savings Accounts | Rates | |
| Savings account | Blue Chip Business Savings (interest paid semi-annually) | 0.05% | Savings Accounts | Rates | |
| Savings account | Built for More Business Chequing (interest paid monthly) | 2.25% | High Interest Accounts | Rates | |
| Savings account | Charity Savings (interest paid semi-annually) | 0.05% | Savings Accounts | Rates | |
| Savings account | Children's Savings (interest paid semi-annually) | 0.10% | Savings Accounts | Rates | |
| Savings account | Daylight Savings (interest paid semi-annually) | 0.05% | Savings Accounts | Rates | |
| Savings account | Earn More RRSP/RRIF/RESP (interest paid monthly) | 0.25% | High Interest Accounts | Rates | |
| Savings account | Earn More Savings Account (interest paid monthly) | 0.25% | High Interest Accounts | Rates | |
| Savings account | Earn More Savings Business Account (interest paid monthly) | 0.25% | High Interest Accounts | Rates | |
| Savings account | Earn More TFSA (interest paid monthly) | 0.25% | High Interest Accounts | Rates | |
| Savings account | Euro Account (interest paid quarterly, €1,000-€9,999) | 0.00% | Foreign Currency Accounts | Rates | |
| Savings account | Euro Account (interest paid quarterly, €10,000+) | 0.00% | Foreign Currency Accounts | Rates | |
| Savings account | Evermore Premium Savings (interest paid semi-annually) | 0.05% | Savings Accounts | Rates | |
| Savings account | Feel Free Savings (interest paid semi-annually) | 0.05% | Savings Accounts | Rates | |
| Savings account | Rise Chequing (interest paid monthly) | 2.00% | High Interest Accounts | Rates | |
| Savings account | Start Me Up Business Savings (interest paid semi-annually) | 0.05% | Savings Accounts | Rates | |
| Savings account | US Dollar Account (interest paid quarterly, $200-$4,999) | 0.30% | Foreign Currency Accounts | Rates | |
| Savings account | US Dollar Account (interest paid quarterly, $5,000+) | 0.40% | Foreign Currency Accounts | Rates |
Desjardins
| Product | Term or type | Published rate or fee | Conditions as published | Source | As of |
|---|---|---|---|---|---|
| Savings account | FHSA Savings Account | 2.00% | Best Savings Accounts in Canada | Updated: 2026-11-14 |
EQ Bank
| Product | Term or type | Published rate or fee | Conditions as published | Source | As of |
|---|---|---|---|---|---|
| Savings account | 10-Day Notice Savings Account | 2.50% | Best Savings Accounts in Canada | Updated: 2026-11-14 | |
| Savings account | 10-Day Notice Savings Account | 2.50% | $100,000 per category Insured by CDIC | Best Savings Accounts in Canada - Compare Interest Rates | WOWA.ca | 2026-11-14 |
| Savings account | 30-Day Notice Savings Account | 3.00% | Best Savings Accounts in Canada | Updated: 2026-11-14 | |
| Savings account | 30-Day Notice Savings Account | 3.00% | $100,000 per category Insured by CDIC | Best Savings Accounts in Canada - Compare Interest Rates | WOWA.ca | 2026-11-14 |
| Savings account | EQ Bank Notice Savings Account | 3.00% | 3.00% with 30 days notice, or 2.50% with 10 days notice, as printed in the summary table | The best high-interest savings accounts in Canada for 2026 | 2026-11-14 |
| Savings account | EQ Bank Notice Savings Account | 2.50% | 10 day notice; Fees: $0; Insurance: CDIC | Best high interest savings accounts in Canada 2026 | Ratehub.ca | Rates updated: November 12, 2026, 3:44 p.m. |
| Savings account | EQ Bank Personal Account | 3.00% | with qualifying direct deposit | The best high-interest savings accounts in Canada for 2026 | 2026-11-14 |
| Savings account | EQ Bank Personal Account Promotional | 3.00% | Promotional rate; Monthly fee $0 | Best High-Interest Savings Accounts in Canada for 2026 | These HISAs also offer higher-than-average rates as of November 9, 2026 |
| Savings account | EQ Bank Personal Account | 3.00% | Fees: $0; Insurance: CDIC | Best high interest savings accounts in Canada 2026 | Ratehub.ca | Rates updated: November 12, 2026, 3:44 p.m. |
| Chequing account | EQ Bank Personal Account | $0 | Interest rates: 2.75%; Insurance: CDIC | Compare the Best Chequing Accounts in Canada | Ratehub.ca | Rates updated: November 10, 2026, 8:13 p.m. |
| Savings account | EQ Bank Personal Account Promotional | 3.00% | Promotional rate as marked on page; monthly fee $0 | Best High-Interest Savings Accounts in Canada for 2026 | 2026-11-09 |
| Chequing account | EQ Bank US Dollar Account | $0 | Best USD chequing account (at a glance table) | Compare the Best Chequing Accounts in Canada | Ratehub.ca | Rates updated: November 10, 2026, 8:13 p.m. |
| Savings account | FHSA Savings Account | 1.75% | Best Savings Accounts in Canada | Updated: 2026-11-14 | |
| Savings account | Notice Savings Account | 3.00% with 30 days' notice (or 2.50% with 10 days' notice) | Rate as printed in table, with 30 days' notice or 10 days' notice as shown | The best high-interest savings accounts in Canada for 2026 | 2026-11-14 |
| Savings account | Notice Savings Account | 2.50% (10 day notice) | 10 day notice as printed in table; fees $0; insured by CDIC | Best high interest savings accounts in Canada 2026 | Ratehub.ca | 2026-11-12 |
| Savings account | Personal Account | 3.00% | With qualifying direct deposit as printed in table | The best high-interest savings accounts in Canada for 2026 | 2026-11-14 |
| Savings account | Personal Account | 3.00% | Fees $0 as printed in table; insured by CDIC | Best high interest savings accounts in Canada 2026 | Ratehub.ca | 2026-11-12 |
| Chequing account | Personal Account | $0 | Listed with Wealthsimple Cash as best hybrid accounts in at a glance table on page; no monthly fees as printed on page | Compare the Best Chequing Accounts in Canada | Ratehub.ca | 2026-11-10 |
| Savings account | RSP Savings Account | 1.75% | Best Savings Accounts in Canada | Updated: 2026-11-14 | |
| Savings account | Savings Plus Account | 3.00% | This rate applies only to accounts receiving direct deposits (minimum $2,000/month) | Best Savings Accounts in Canada | Updated: 2026-11-14 |
| Savings account | Savings Plus Account | 3.00% | This rate applies only to accounts receiving direct deposits (minimum $2,000/month) 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 | TFSA Savings Account | 1.75% | Best Savings Accounts in Canada | Updated: 2026-11-14 |
East Coast Credit Union
| Product | Term or type | Published rate or fee | Conditions as published | Source | As of |
|---|---|---|---|---|---|
| Savings account | HISA | 0.55% | Term Deposit/RRSP/RRIF/TFSA Rates | Rates | East Coast Credit Union |
FirstOntario Credit Union
| Product | Term or type | Published rate or fee | Conditions as published | Source | As of |
|---|---|---|---|---|---|
| Savings account | Daily Interest Savings Account - $0 - $1,000.00 | 0.05% | Personal accounts | Rates for personal members | FirstOntario Credit Union | |
| Savings account | Daily Interest Savings Account - $1,000.01 - $5,000.00 | 0.05% | Personal accounts | Rates for personal members | FirstOntario Credit Union | |
| Savings account | Daily Interest Savings Account - $10,000.01+ | 0.05% | Personal accounts | Rates for personal members | FirstOntario Credit Union | |
| Savings account | Daily Interest Savings Account - $5,000.01 - $10,000.00 | 0.05% | Personal accounts | Rates for personal members | FirstOntario Credit Union | |
| Savings account | Daily Interest Savings Account for seniors (60+) - $0 - $1,000.00 | 0.05% | Personal accounts | Rates for personal members | FirstOntario Credit Union | |
| Savings account | Daily Interest Savings Account for seniors (60+) - $1,000.01 - $5,000.00 | 0.05% | Personal accounts | Rates for personal members | FirstOntario Credit Union | |
| Savings account | Daily Interest Savings Account for seniors (60+) - $10,000.01+ | 0.05% | Personal accounts | Rates for personal members | FirstOntario Credit Union | |
| Savings account | Daily Interest Savings Account for seniors (60+) - $5,000.01 - $10,000.00 | 0.05% | Personal accounts | Rates for personal members | FirstOntario Credit Union | |
| Savings account | FHSA Investment Savings Account | 3.20% | Best Savings Accounts in Canada | Updated: 2026-11-14 | |
| Savings account | High Interest eSavings Account | 0.60% | Best Savings Accounts in Canada | Updated: 2026-11-14 | |
| Savings account | High Interest eSavings Account - $0 - $100,000.00 | 0.70% | Personal accounts | Rates for personal members | FirstOntario Credit Union | |
| Savings account | High Interest eSavings Account - $100,000.01 - $200,000.00 | 0.85% | Personal accounts | Rates for personal members | FirstOntario Credit Union | |
| Savings account | High Interest eSavings Account - $200,000.01+ | 0.90% | Personal accounts | Rates for personal members | FirstOntario Credit Union | |
| Savings account | Investment Savings Account - FHSA Investment Savings | 3.30% | Personal accounts | Rates for personal members | FirstOntario Credit Union | |
| Savings account | Investment Savings Account - Non-Registered Savings | 0.30% | Personal accounts | Rates for personal members | FirstOntario Credit Union | |
| Savings account | Investment Savings Account - RRIF Investment Savings | 0.05% | Personal accounts | Rates for personal members | FirstOntario Credit Union | |
| Savings account | Investment Savings Account - RRSP Investment Savings | 0.05% | Personal accounts | Rates for personal members | FirstOntario Credit Union | |
| Savings account | Investment Savings Account - TFSA Investment Savings | 0.70% | Personal accounts | Rates for personal members | FirstOntario Credit Union | |
| Savings account | U.S. Dollar Investment Savings Account - All balances | 0.20% | Personal accounts | Rates for personal members | FirstOntario Credit Union |
Haventree Bank
| Product | Term or type | Published rate or fee | Conditions as published | Source | As of |
|---|---|---|---|---|---|
| Savings account | Everyday Growth Account | 2.75% | Best Savings Accounts in Canada | Updated: 2026-11-14 |
Home Trust
| Product | Term or type | Published rate or fee | Conditions as published | Source | As of |
|---|---|---|---|---|---|
| Savings account | Home Trust High-Interest Savings Account | 1.90% | 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. |
Hubert
| Product | Term or type | Published rate or fee | Conditions as published | Source | As of |
|---|---|---|---|---|---|
| Savings account | Daily Savings FHSA | 2.75% | Best Savings Accounts in Canada | Updated: 2026-11-14 | |
| Savings account | Happy High-Interest Savings Account | 2.75% | Best Savings Accounts in Canada | Updated: 2026-11-14 |
IC Savings
| Product | Term or type | Published rate or fee | Conditions as published | Source | As of |
|---|---|---|---|---|---|
| Savings account | Business Operating Account | 0.00% | Business Accounts | Rates | |
| Savings account | Business Savings+ | 0.35% | Business Accounts | Rates | |
| Savings account | Community (Chequing) - Balances above $50,000 | 0.20% | Business Accounts | Rates | |
| Savings account | Community (Chequing) - Balances between $5,000.01 to $50,000 | 0.10% | Business Accounts | Rates | |
| Savings account | Community (Chequing) Account - Up to $5,000 | 0.00% | Business Accounts | Rates | |
| Savings account | Euro Savings Account | 0.05% | Personal Accounts | Rates | |
| Savings account | Fat Cat, Youth Savings Account | 0.45% | Legacy accounts - These accounts are no longer being opened. | Rates | |
| Savings account | Headstart, Youth Banking Account | 0.25% | Legacy accounts - These accounts are no longer being opened. | Rates | |
| Savings account | Investment Savings Account | 0.45% | Legacy accounts - These accounts are no longer being opened. | Rates | |
| Savings account | Maximizer Plus - Above $300,000 | 0.00% | Legacy accounts - These accounts are no longer being opened. | Rates | |
| Savings account | Maximizer Plus - Up to $300,000 | 0.45% | Legacy accounts - These accounts are no longer being opened. | Rates | |
| Savings account | Maximizer, Chequing Account | 0.00% | Legacy accounts - These accounts are no longer being opened. | Rates | |
| Savings account | Perfetto. - For the balance up to $500,000 | 0.45% | Personal Accounts | Rates | |
| Savings account | Perfetto. - For the portion above $500,000 | 0.05% | Personal Accounts | Rates | |
| Savings account | Savings Plus - Above $500,000 | 0.05% | Legacy accounts - These accounts are no longer being opened. | Rates | |
| Savings account | Savings Plus - Up to $500,000 | 0.45% | Legacy accounts - These accounts are no longer being opened. | Rates |
Innovation Federal Credit Union
| Product | Term or type | Published rate or fee | Conditions as published | Source | As of |
|---|---|---|---|---|---|
| Savings account | FHSA Savings Account | 4.25% | Best Savings Accounts in Canada | Updated: 2026-11-14 |
KOHO
| Product | Term or type | Published rate or fee | Conditions as published | Source | As of |
|---|---|---|---|---|---|
| Savings account | High Interest Savings Account | Up to 3.50% | No minimum balance required as printed in table; monthly fee $0-$14.75 as printed in table | Best High-Interest Savings Accounts in Canada for 2026 | 2026-11-09 |
| Savings account | KOHO High Interest Savings Account | Up to 3.50% | No minimum balance required; Monthly fee $0-$14.75 | Best High-Interest Savings Accounts in Canada for 2026 | These HISAs also offer higher-than-average rates as of November 9, 2026 |
| Savings account | KOHO Spending and Savings Account | 0.5% - 3.5% | Fees: $0; Insurance: CDIC | Best high interest savings accounts in Canada 2026 | Ratehub.ca | Rates updated: November 12, 2026, 3:44 p.m. |
| Savings account | Spending and Savings Account | 0.5% - 3.5% | Fees $0 as printed in table; insured by CDIC | Best high interest savings accounts in Canada 2026 | Ratehub.ca | 2026-11-12 |
Kawartha Credit Union
| Product | Term or type | Published rate or fee | Conditions as published | Source | As of |
|---|---|---|---|---|---|
| Savings account | High Interest Savings Account (HISA) | 1.00% | Best Savings Accounts in Canada | Updated: 2026-11-14 |
Kawartha Financial Services
| Product | Term or type | Published rate or fee | Conditions as published | Source | As of |
|---|---|---|---|---|---|
| Savings account | Business High Interest Savings Account - $0 - $99,999 | 0.90 | Accounts; Business | Rates | Kawartha Financial Services | |
| Savings account | Business High Interest Savings Account - $100,000 - $249,999 | 2.25 | Accounts; Business | Rates | Kawartha Financial Services | |
| Savings account | Business High Interest Savings Account - > $250,000 | 2.40 | Accounts; Business | Rates | Kawartha Financial Services | |
| Savings account | Business Savings - Greater than 250,000 | 0.15 | Accounts; Business | Rates | Kawartha Financial Services | |
| Savings account | High Interest Savings Account (HISA) | 1.00 | Accounts | Rates | Kawartha Financial Services | |
| Savings account | High Interest eSavings Account (eHISA) | 2.25 | Accounts | Rates | Kawartha Financial Services | |
| Savings account | Life Insured - $0 min. balance | .05 | Accounts | Rates | Kawartha Financial Services | |
| Savings account | Savings - Greater than 5,000 | .05 | Accounts | Rates | Kawartha Financial Services | |
| Savings account | Savings - Less than 5,000 | .05 | Accounts | Rates | Kawartha Financial Services | |
| Savings account | Variable Registered - All balances | .05 | Accounts | Rates | Kawartha Financial Services |
Laurentian
| Product | Term or type | Published rate or fee | Conditions as published | Source | As of |
|---|---|---|---|---|---|
| Savings account | High Interest Savings Account | 2.20% | Best Savings Accounts in Canada | Updated: 2026-11-14 |
Laurentian Bank
| Product | Term or type | Published rate or fee | Conditions as published | Source | As of |
|---|---|---|---|---|---|
| Savings account | Laurentian Bank High-Interest Savings Account | 1.00% - 3.20% | Fees: fees vary; Insurance: CDIC | Best high interest savings accounts in Canada 2026 | Ratehub.ca | Rates updated: November 12, 2026, 3:44 p.m. |
Luminus Financial
| Product | Term or type | Published rate or fee | Conditions as published | Source | As of |
|---|---|---|---|---|---|
| Savings account | Infinite Savings Account | 1.50% | Best Savings Accounts in Canada | Updated: 2026-11-14 |
Manulife Bank
| Product | Term or type | Published rate or fee | Conditions as published | Source | As of |
|---|---|---|---|---|---|
| Savings account | Advantage Account rate | 1.50% | Best Savings Accounts in Canada | Updated: 2026-11-14 | |
| Savings account | Advantage Account rate (promotional rate) Promotional | 3.00% | Promotional rate applies for 2 years (730 days) | Best Savings Accounts in Canada | Updated: 2026-11-14 |
| Savings account | Manulife Bank Advantage Account | 1.65% | Fees: $0; Insurance: CDIC | Best high interest savings accounts in Canada 2026 | Ratehub.ca | Rates updated: November 12, 2026, 3:44 p.m. |
Maxa Financial
| Product | Term or type | Published rate or fee | Conditions as published | Source | As of |
|---|---|---|---|---|---|
| Savings account | High Interest Savings Account | 1.95% | Best Savings Accounts in Canada | Updated: 2026-11-14 |
Meridian
| Product | Term or type | Published rate or fee | Conditions as published | Source | As of |
|---|---|---|---|---|---|
| Savings account | High Interest Savings Account | 1.00% | Best Savings Accounts in Canada | Updated: 2026-11-14 |
National Bank
| Product | Term or type | Published rate or fee | Conditions as published | Source | As of |
|---|---|---|---|---|---|
| Savings account | High Interest Savings Account | 0.65% | Best Savings Accounts in Canada | Updated: 2026-11-14 | |
| Chequing account | National Bank The Chequing Account For Newcomers to Canada | $0 (for up to 3 years) | Best newcomer 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 | The Chequing Account For Newcomers to Canada | $0 (for up to 3 years) | Best newcomer chequing account as labelled on page; no account fees for first 3 years as printed on page | Compare the Best Chequing Accounts in Canada | Ratehub.ca | 2026-11-10 |
National Bank of Canada
| Product | Term or type | Published rate or fee | Conditions as published | Source | As of |
|---|---|---|---|---|---|
| Savings account | National Bank of Canada High-interest Savings Account | 0.55% | Fees: $0; Insurance: CDIC | Best high interest savings accounts in Canada 2026 | Ratehub.ca | Rates updated: November 12, 2026, 3:44 p.m. |
Neo
| Product | Term or type | Published rate or fee | Conditions as published | Source | As of |
|---|---|---|---|---|---|
| Savings account | Money Account | 2.25% | Best Savings Accounts in Canada | Updated: 2026-11-14 | |
| Savings account | Neo Savings Account | 2.25%-3.00% | Fees: $0; Insurance: CDIC | Best high interest savings accounts in Canada 2026 | Ratehub.ca | Rates updated: November 12, 2026, 3:44 p.m. |
| Savings account | Neo Savings Account | 2.25%-3.00% | Depending on Neo Savings Account membership as printed in table | The best high-interest savings accounts in Canada for 2026 | 2026-11-14 |
| Savings account | Neo Savings Account | 2.25%-3.00% | Fees $0 as printed in table; insured by CDIC | Best high interest savings accounts in Canada 2026 | Ratehub.ca | 2026-11-12 |
Neo Financial
| Product | Term or type | Published rate or fee | Conditions as published | Source | As of |
|---|---|---|---|---|---|
| Savings account | Neo Savings Account | 2.25%-3.00% | Depending on Neo Savings Account membership | The best high-interest savings accounts in Canada for 2026 | 2026-11-14 |
| Savings account | Neo Savings Account | Up to 3.00% | Monthly fee $0 | Best High-Interest Savings Accounts in Canada for 2026 | These HISAs also offer higher-than-average rates as of November 9, 2026 |
| Savings account | Neo Savings Account | Up to 3.00% | Monthly fee $0 as printed in table | Best High-Interest Savings Accounts in Canada for 2026 | 2026-11-09 |
Newfoundland and Labrador Credit Union
| Product | Term or type | Published rate or fee | Conditions as published | Source | As of |
|---|---|---|---|---|---|
| Savings account | Advantage Tier $0 - $5,000 | 0.125 | Advantage (Tiered Rate Savings) | Rates | NLCU | |
| Savings account | Advantage Tier $10,001 - $25,000 | 0.125 | Advantage (Tiered Rate Savings) | Rates | NLCU | |
| Savings account | Advantage Tier $100,001 and over | 0.500 | Advantage (Tiered Rate Savings) | Rates | NLCU | |
| Savings account | Advantage Tier $25,001 - $60,000 | 0.300 | Advantage (Tiered Rate Savings) | Rates | NLCU | |
| Savings account | Advantage Tier $5,001 - $10,000 | 0.125 | Advantage (Tiered Rate Savings) | Rates | NLCU | |
| Savings account | Advantage Tier $60,001 - $100,000 | 0.400 | Advantage (Tiered Rate Savings) | Rates | NLCU | |
| Savings account | Fat Cat/Head Start | 0.050 | Savings | Rates | NLCU | |
| Savings account | Monthly Savings Plan | 0.700 | Savings | Rates | NLCU | |
| Savings account | Online Savings | 0.700 | Savings | Rates | NLCU | |
| Savings account | Plan 24/Daily Interest Savings | 0.125 | Savings | Rates | NLCU | |
| Savings account | Registered Retirement Income Fund (RRIF) - Variable | 0.125 | Registered Retirement Income Fund (RRIF) | Rates | NLCU | |
| Savings account | Tax Free Savings Account (TFSA) - Daily Interest Savings Account | 0.125 | Tax Free Savings Account (TFSA) | Rates | NLCU |
Northern Credit Union
| Product | Term or type | Published rate or fee | Conditions as published | Source | As of |
|---|---|---|---|---|---|
| Savings account | GI-Savings Account - $100,000+ | 1.45 | Rates Effective: 2025-04-01 | Rates | Northern Credit Union | |
| Savings account | GI-Savings Account - $15,000-$24,999 | 1.05 | Rates Effective: 2025-04-01 | Rates | Northern Credit Union | |
| Savings account | GI-Savings Account - $25,000-$49,999 | 1.20 | Rates Effective: 2025-04-01 | Rates | Northern Credit Union | |
| Savings account | GI-Savings Account - $50,000-$99,999 | 1.30 | Rates Effective: 2025-04-01 | Rates | Northern Credit Union | |
| Savings account | GI-Savings Account - Below $15,000 | 1.05 | Rates Effective: 2025-04-01 | Rates | Northern Credit Union | |
| Savings account | NORTHERN GROWTH SAVINGS (COMMERCIAL) - All Balances | 1.10 | Accounts | Rates | Northern Credit Union | |
| Savings account | SUPERIOR SAVINGS - All Balances | 1.10 | Accounts | Rates | Northern Credit Union | |
| Savings account | TAX FREE SAVINGS ACCOUNT - All Balances | 1.10 | Accounts | Rates | Northern Credit Union |
Oaken
| Product | Term or type | Published rate or fee | Conditions as published | Source | As of |
|---|---|---|---|---|---|
| Savings account | Savings Account | 3.00% | Best Savings Accounts in Canada | Updated: 2026-11-14 | |
| Savings account | Savings Account | 3.00% | $100,000 per category Insured by CDIC | Best Savings Accounts in Canada - Compare Interest Rates | WOWA.ca | 2026-11-14 |
Oaken Financial
| Product | Term or type | Published rate or fee | Conditions as published | Source | As of |
|---|---|---|---|---|---|
| Savings account | Oaken Financial Savings Account | 3.00% | The best high-interest savings accounts in Canada for 2026 | 2026-11-14 | |
| Savings account | Oaken Financial Savings Account | 3.00% | Fees: $0; Insurance: CDIC | Best high interest savings accounts in Canada 2026 | Ratehub.ca | Rates updated: November 12, 2026, 3:44 p.m. |
| Savings account | Savings Account | 3.00% | The best high-interest savings accounts in Canada for 2026 | 2026-11-14 | |
| Savings account | Savings Account | 3.00% | Fees $0 as printed in table; insured by CDIC | Best high interest savings accounts in Canada 2026 | Ratehub.ca | 2026-11-12 |
Omista Credit Union
| Product | Term or type | Published rate or fee | Conditions as published | Source | As of |
|---|---|---|---|---|---|
| Savings account | HISA (High Interest Savings Account) | 1.00% | Savings | Rates | OMISTA Credit Union | |
| Savings account | Park & Plan - RRIF | 1.00% | Park & Plan | Rates | OMISTA Credit Union | |
| Savings account | Park & Plan - RRSP | 1.00% | Park & Plan | Rates | OMISTA Credit Union | |
| Savings account | Park & Plan - TFSA | 1.00% | Park & Plan | Rates | OMISTA Credit Union | |
| Savings account | U.S. Dollar | 0.25% | Savings | Rates | OMISTA Credit Union | |
| Savings account | Your Business & Our Community Savings - $0 - $4,999 | 0.25% | Your Business & Our Community Savings | Rates | OMISTA Credit Union | |
| Savings account | Your Business & Our Community Savings - $10,000 - $24,999 | 0.50% | Your Business & Our Community Savings | Rates | OMISTA Credit Union | |
| Savings account | Your Business & Our Community Savings - $100,000 - $249,999 | 1.25% | Your Business & Our Community Savings | Rates | OMISTA Credit Union | |
| Savings account | Your Business & Our Community Savings - $25,000 - $49,999 | 0.75% | Your Business & Our Community Savings | Rates | OMISTA Credit Union | |
| Savings account | Your Business & Our Community Savings - $250,000 + | 2.00% | Your Business & Our Community Savings | Rates | OMISTA Credit Union | |
| Savings account | Your Business & Our Community Savings - $5,000 - $9,999 | 0.25% | Your Business & Our Community Savings | Rates | OMISTA Credit Union | |
| Savings account | Your Business & Our Community Savings - $50,000 - $99,999 | 1.00% | Your Business & Our Community Savings | Rates | OMISTA Credit Union |
Outlook Financial
| Product | Term or type | Published rate or fee | Conditions as published | Source | As of |
|---|---|---|---|---|---|
| Savings account | Savings | 2.20% | Best Savings Accounts in Canada | Updated: 2026-11-14 |
PC Financial
| Product | Term or type | Published rate or fee | Conditions as published | Source | As of |
|---|---|---|---|---|---|
| Savings account | Money Account | 2.20% | Best Savings Accounts in Canada | Updated: 2026-11-14 | |
| Savings account | Money Account (promotional rate) Promotional | 2.90% | This rate applies only to accounts receiving direct deposits (minimum $2,000/month) for 12 Months. | Best Savings Accounts in Canada | Updated: 2026-11-14 |
| Chequing account | PC Money Account | $0 | Listed as PC Money Account in provider table on page; fee $0 as printed; insured by CDIC | Compare the Best Chequing Accounts in Canada | Ratehub.ca | 2026-11-10 |
PC Money
| Product | Term or type | Published rate or fee | Conditions as published | Source | As of |
|---|---|---|---|---|---|
| Chequing account | PC Money Account | $0 | Interest rates: 2.20%; Insurance: CDIC | Compare the Best Chequing Accounts in Canada | Ratehub.ca | Rates updated: November 10, 2026, 8:13 p.m. |
Parama Credit Union
| Product | Term or type | Published rate or fee | Conditions as published | Source | As of |
|---|---|---|---|---|---|
| Savings account | Daily Interest Premium Savings Account | 2.50% | Best Savings Accounts in Canada | Updated: 2026-11-14 |
Pathwise Credit Union
| Product | Term or type | Published rate or fee | Conditions as published | Source | As of |
|---|---|---|---|---|---|
| Savings account | FHSA High Interest Savings | 1.75% | Best Savings Accounts in Canada | Updated: 2026-11-14 |
Peoples Trust
| Product | Term or type | Published rate or fee | Conditions as published | Source | As of |
|---|---|---|---|---|---|
| Savings account | High-Interest Account Rates | 1.20% | Best Savings Accounts in Canada | Updated: 2026-11-14 | |
| Savings account | Peoples Trust e-Savings Account | 1.20% | Fees: n/a; Insurance: CDIC | Best high interest savings accounts in Canada 2026 | Ratehub.ca | Rates updated: November 12, 2026, 3:44 p.m. |
Provincial Credit Union
| Product | Term or type | Published rate or fee | Conditions as published | Source | As of |
|---|---|---|---|---|---|
| Savings account | Business Peak Savings | 0.55% | Business Peak Savings | Rates | Provincial Credit Union | |
| Savings account | Business Savings - $0-$99,999 | 0.55% | Business Savings | Rates | Provincial Credit Union | Rates Effective: 2026-10-19 |
| Savings account | Business Savings - $100,000-$199,999 | 1.60% | Business Savings | Rates | Provincial Credit Union | Rates Effective: 2026-10-19 |
| Savings account | Business Savings - $200,000-$499,999 | 2.30% | Business Savings | Rates | Provincial Credit Union | Rates Effective: 2026-10-19 |
| Savings account | Business Savings - $500,000 and over | 2.80% | Business Savings | Rates | Provincial Credit Union | Rates Effective: 2026-10-19 |
| Savings account | Escalator Savings - 1 Year | 2.50% | Escalator Savings | Rates | Provincial Credit Union | |
| Savings account | Escalator Savings - 2 Years | 3.25% | Escalator Savings | Rates | Provincial Credit Union | |
| Savings account | Escalator Savings - 3 Years | 3.70% | Escalator Savings | Rates | Provincial Credit Union | |
| Savings account | Peak Savings | 0.55% | Peak Savings | Rates | Provincial Credit Union |
RBC
| Product | Term or type | Published rate or fee | Conditions as published | Source | As of |
|---|---|---|---|---|---|
| Savings account | High Interest eSavings | 0.65% | Best Savings Accounts in Canada | Updated: 2026-11-14 | |
| Savings account | High Interest eSavings Promotional | 0.65% | Promotional rate 4.70% 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 | High Interest eSavings (promotional rate) Promotional | 4.70% | Promotional rate applies for the first 3 months. | Best Savings Accounts in Canada | Updated: 2026-11-14 |
| Savings account | High-Interest eSavings Account | 4.70% 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 |
| Savings account | RBC High-Interest eSavings Account | 4.70% 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. |
| Chequing account | RBC Signature No Limit Banking Account | $16.95 (rebates available) | 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 | Signature No Limit Banking Account | $16.95 (rebates available) | Fee as printed in provider table on page; insured by CDIC | Compare the Best Chequing Accounts in Canada | Ratehub.ca | 2026-11-10 |
Renaissance
| Product | Term or type | Published rate or fee | Conditions as published | Source | As of |
|---|---|---|---|---|---|
| Savings account | High Interest Savings Account | 2.05% | Best Savings Accounts in Canada | Updated: 2026-11-14 |
Rosenort Credit Union
| Product | Term or type | Published rate or fee | Conditions as published | Source | As of |
|---|---|---|---|---|---|
| Savings account | Plan 24 Savings | 1.80% | Best Savings Accounts in Canada | Updated: 2026-11-14 |
Saven Financial
| Product | Term or type | Published rate or fee | Conditions as published | Source | As of |
|---|---|---|---|---|---|
| Savings account | FHSA High Interest Savings | 3.00% | Best Savings Accounts in Canada | Updated: 2026-11-14 | |
| Savings account | High Interest Savings Account | 3.00% | Best Savings Accounts in Canada | Updated: 2026-11-14 | |
| Savings account | High Interest Savings Account | 3.00% | $250,000 per depositor Insured by FSRA (DIRF) | Best Savings Accounts in Canada - Compare Interest Rates | WOWA.ca | 2026-11-14 |
| Savings account | High Interest Savings Account | 2.85% | The best high-interest savings accounts in Canada for 2026 | 2026-11-14 | |
| Savings account | High-Interest Savings Account | 2.85% | Fees $0 as printed in table; insured by FSRA | Best high interest savings accounts in Canada 2026 | Ratehub.ca | 2026-11-12 |
| Savings account | Saven Financial High Interest Savings Account | 2.85% | The best high-interest savings accounts in Canada for 2026 | 2026-11-14 | |
| Savings account | Saven Financial High-Interest Savings Account | 2.85% | Fees: $0; Insurance: FSRA | Best high interest savings accounts in Canada 2026 | Ratehub.ca | Rates updated: November 12, 2026, 3:44 p.m. |
Scotiabank
| Product | Term or type | Published rate or fee | Conditions as published | Source | As of |
|---|---|---|---|---|---|
| Savings account | Momentum PLUS Savings Account | 4.95% for the first three months | Promo rate for first three months as printed in table; fees $0; insured by CDIC | Best high interest savings accounts in Canada 2026 | Ratehub.ca | 2026-11-12 |
| Savings account | MomentumPlus Savings Account | 4.95% for the first three months | When you pair a Scotiabank Ultimate Package with a MomentumPLUS Savings Account as printed in table; promo rate | The best high-interest savings accounts in Canada for 2026 | 2026-11-14 |
| Chequing account | Preferred Package | $16.95 (waived with $4,000 balance) | Fee and waiver as printed in provider table on page; $0 monthly fee with at least $4,000 minimum balance, otherwise $16.95 monthly as printed on page | Compare the Best Chequing Accounts in Canada | Ratehub.ca | 2026-11-10 |
| Savings account | Scotia High Interest Savings Account Promotional | Up to 5.00% | Promotional rate; Monthly fee $0 | Best High-Interest Savings Accounts in Canada for 2026 | These HISAs also offer higher-than-average rates as of November 9, 2026 |
| Savings account | Scotia High Interest Savings Account Promotional | Up to 5.00% | Promotional rate as printed in table; up to 5.00% total interest for first 3 months with eligible welcome offer as printed on page; monthly fee $0 | Best High-Interest Savings Accounts in Canada for 2026 | 2026-11-09 |
| Savings account | Scotiabank Momentum PLUS Savings Account | 4.95% for the first three months | Fees: $0; Insurance: CDIC | Best high interest savings accounts in Canada 2026 | Ratehub.ca | Rates updated: November 12, 2026, 3:44 p.m. |
| Savings account | Scotiabank MomentumPlus Savings Account Promotional | 4.95% | 4.95% for the first three months when you pair a Scotiabank Ultimate Package with a MomentumPLUS Savings Account | The best high-interest savings accounts in Canada for 2026 | 2026-11-14 |
| Chequing account | Scotiabank Preferred Package | $16.95 (waived with $4,000 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 | Scotiabank Ultimate Package | $30.95 (or less with minimum balance) | Best premium chequing account bundle (at a glance table) | Compare the Best Chequing Accounts in Canada | Ratehub.ca | Rates updated: November 10, 2026, 8:13 p.m. |
| Chequing account | Ultimate Package | $30.95 (or less with minimum balance) | Best premium chequing account bundle as labelled on page | Compare the Best Chequing Accounts in Canada | Ratehub.ca | 2026-11-10 |
Servus Credit Union
| Product | Term or type | Published rate or fee | Conditions as published | Source | As of |
|---|---|---|---|---|---|
| Savings account | Personal Premium Savings | 0.20% | Personal Premium Savings, Closing Balance $0.00 - $999.99 | Servus Credit Union - Rates | Effective: Thursday, November 5, 2026 |
| Savings account | Personal Premium Savings | 0.20% | Personal Premium Savings, Closing Balance $1,000.00 - $2,999.99 | Servus Credit Union - Rates | Effective: Thursday, November 5, 2026 |
| Savings account | Personal Premium Savings | 0.20% | Personal Premium Savings, Closing Balance $3,000.00 - $4,999.99 | Servus Credit Union - Rates | Effective: Thursday, November 5, 2026 |
| Savings account | Personal Premium Savings | 0.60% | Personal Premium Savings, Closing Balance $5,000.00 - $24,999.99 | Servus Credit Union - Rates | Effective: Thursday, November 5, 2026 |
| Savings account | Personal Premium Savings | 0.60% | Personal Premium Savings, Closing Balance $25,000.00 - $99,999.99 | Servus Credit Union - Rates | Effective: Thursday, November 5, 2026 |
| Savings account | Personal Premium Savings | 0.75% | Personal Premium Savings, Closing Balance $100,000.00 + | Servus Credit Union - Rates | Effective: Thursday, November 5, 2026 |
| Savings account | Personal Savings | 0.01% | Personal Savings, All Balances | Servus Credit Union - Rates | Effective: Thursday, November 5, 2026 |
| Savings account | Tax Free Premium Savings | 0.35% | Tax Free Premium Savings, all tiers shown at same rate | Servus Credit Union - Rates | Effective: Thursday, October 15, 2026 |
Shinhan Bank Canada
| Product | Term or type | Published rate or fee | Conditions as published | Source | As of |
|---|---|---|---|---|---|
| Savings account | e-Savings Accounts | 1.05% | Best Savings Accounts in Canada | Updated: 2026-11-14 |
Simplii Financial
| Product | Term or type | Published rate or fee | Conditions as published | Source | As of |
|---|---|---|---|---|---|
| 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 |
Steinbach Credit Union
| Product | Term or type | Published rate or fee | Conditions as published | Source | As of |
|---|---|---|---|---|---|
| Savings account | Steinbach Credit Union High-Interest Savings Account | 2.25% | Fees: See fees here; Insurance: DGCM | Best high interest savings accounts in Canada 2026 | Ratehub.ca | Rates updated: November 12, 2026, 3:44 p.m. |
TD
| Product | Term or type | Published rate or fee | Conditions as published | Source | As of |
|---|---|---|---|---|---|
| Savings account | Growth Savings Account | 0.00% | Best Savings Accounts in Canada | Updated: 2026-11-14 | |
| Chequing account | Unlimited Chequing Account | $16.95 (waived with $4,000 balance) | Fee and waiver as printed in provider table on page; insured by CDIC | Compare the Best Chequing Accounts in Canada | Ratehub.ca | 2026-11-10 |
| Savings account | ePremium Savings Account | 0.00% | Best Savings Accounts in Canada | Updated: 2026-11-14 |
TD Bank
| Product | Term or type | Published rate or fee | Conditions as published | Source | As of |
|---|---|---|---|---|---|
| Chequing account | TD Unlimited Chequing Account | $16.95 (waived with $4,000 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. |
Tangerine
| Product | Term or type | Published rate or fee | Conditions as published | Source | As of |
|---|---|---|---|---|---|
| Chequing account | No-Fee Daily Chequing Account | $0 | Fee as printed in provider table on page; insured by CDIC | Compare the Best Chequing Accounts in Canada | Ratehub.ca | 2026-11-10 |
| Savings account | Savings Account | 0.30% | Best Savings Accounts in Canada | Updated: 2026-11-14 | |
| Savings account | Savings Account Promotional | 0.30% | Promotional rate 4.50% applies for the first 5 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 | Savings Account (promotional rate) Promotional | 4.50% | Promotional rate applies for the first 5 months. | Best Savings Accounts in Canada | Updated: 2026-11-14 |
| Chequing account | Tangerine No-Fee Daily Chequing Account | $0 | Interest rates: Up to 0.10%; Insurance: CDIC | Compare the Best Chequing Accounts in Canada | Ratehub.ca | Rates updated: November 10, 2026, 8:13 p.m. |
| Savings account | Tangerine Savings Account Promotional | 4.50% | 4.50% for the first 5 months; regular rate of 0.30% | The best high-interest savings accounts in Canada for 2026 | 2026-11-14 |
| Savings account | Tangerine Savings Account Promotional | Up to 4.50% | Promotional rate; Monthly fee $0 | Best High-Interest Savings Accounts in Canada for 2026 | These HISAs also offer higher-than-average rates as of November 9, 2026 |
| Savings account | Tangerine Savings Account | 4.50% for the first 5 months | Fees: $0; Insurance: CDIC | Best high interest savings accounts in Canada 2026 | Ratehub.ca | Rates updated: November 12, 2026, 3:44 p.m. |
| Savings account | Tangerine Savings Account Promotional | Up to 4.50% | Promotional rate as printed in table; monthly fee $0 | Best High-Interest Savings Accounts in Canada for 2026 | 2026-11-09 |
| Savings account | Tangerine Savings Account | 4.50% for the first 5 months | Regular rate of 0.30% as printed in table; promo rate | The best high-interest savings accounts in Canada for 2026 | 2026-11-14 |
| Savings account | Tangerine Savings Account | 4.50% for the first 5 months | Promo rate for first 5 months as printed in table; fees $0; insured by CDIC | Best high interest savings accounts in Canada 2026 | Ratehub.ca | 2026-11-12 |
Ukrainian Credit Union
| Product | Term or type | Published rate or fee | Conditions as published | Source | As of |
|---|---|---|---|---|---|
| Savings account | Daily Savings | 0.10% | Personal Savings Accounts; UCU Prime Rate 5.10% | Interest Rates | UCU | |
| Savings account | UCU HISA (non-registered RRSPs and TFSAs) | 1.35% | Personal Savings Accounts; UCU Prime Rate 5.10% | Interest Rates | UCU | |
| Savings account | USD Chequing | 0.10% | Chequing Accounts | Interest Rates | UCU | |
| Savings account | USD Savings | 0.10% | Personal Savings Accounts; UCU Prime Rate 5.10% | Interest Rates | UCU | |
| Savings account | Youth Unlimited - $0-$999.99 | 0.35% | Chequing Accounts | Interest Rates | UCU | |
| Savings account | Youth Unlimited - $1000.00 & more | 0.10% | Chequing Accounts | Interest Rates | UCU | |
| Savings account | ucubiz Grow (HISA) | 1.35% | Business Savings Accounts | Interest Rates | UCU | |
| Savings account | ucubiz Virtual Savings | 0.25% | Business Savings Accounts | Interest Rates | UCU | |
| Savings account | ucublu | 0.60% | Personal Savings Accounts; UCU Prime Rate 5.10% | Interest Rates | UCU | |
| Savings account | ucublu Chequing - $0 - $999.99 | 0.05% | Chequing Accounts | Interest Rates | UCU | |
| Savings account | ucublu Chequing - $1,000.00 - $4,999.99 | 0.10% | Chequing Accounts | Interest Rates | UCU | |
| Savings account | ucublu Chequing - $10,000.00 - $24,999.99 | 0.50% | Chequing Accounts | Interest Rates | UCU | |
| Savings account | ucublu Chequing - $25,000.00 & more | 0.75% | Chequing Accounts | Interest Rates | UCU | |
| Savings account | ucublu Chequing - $5,000.00 - $9,999.99 | 0.25% | Chequing Accounts | Interest Rates | UCU |
WFCU
| Product | Term or type | Published rate or fee | Conditions as published | Source | As of |
|---|---|---|---|---|---|
| Savings account | High Interest Savings Account | 0.50% | Best Savings Accounts in Canada | Updated: 2026-11-14 | |
| Savings account | High Interest Savings Account Promotional | 0.50% | Promotional rate 4.56% applies for 4 months (120 days) as printed on page; $250,000 per depositor Insured by FSRA (DIRF) | Best Savings Accounts in Canada - Compare Interest Rates | WOWA.ca | 2026-11-14 |
| Savings account | High Interest Savings Account (promotional rate) Promotional | 4.56% | Promotional rate applies for 4 months (120 days). | Best Savings Accounts in Canada | Updated: 2026-11-14 |
WFCU Credit Union
| Product | Term or type | Published rate or fee | Conditions as published | Source | As of |
|---|---|---|---|---|---|
| Savings account | 4-Month Savings Special | 4.56% | Investment Rates | Rates - WFCU |
Wealth One Bank of Canada
| Product | Term or type | Published rate or fee | Conditions as published | Source | As of |
|---|---|---|---|---|---|
| Savings account | High-Interest Savings Account | 2.85% | Fees $0 as printed in table; insured by CDIC | Best high interest savings accounts in Canada 2026 | Ratehub.ca | 2026-11-12 |
| Savings account | Wealth One Bank of Canada High-Interest Savings Account | 2.85% | Fees: $0; Insurance: CDIC | Best high interest savings accounts in Canada 2026 | Ratehub.ca | Rates updated: November 12, 2026, 3:44 p.m. |
WealthONE
| Product | Term or type | Published rate or fee | Conditions as published | Source | As of |
|---|---|---|---|---|---|
| Savings account | High Interest Savings Account | up to 3.00% | No minimum balance required as printed in table; monthly fee $0 | Best High-Interest Savings Accounts in Canada for 2026 | 2026-11-09 |
| Savings account | High Interest Savings Account (On balances between $10,000 and $25,000) | 3.00% | Best Savings Accounts in Canada | Updated: 2026-11-14 | |
| Savings account | High Interest Savings Account (On balances less than $10,000) | 2.85% | Best Savings Accounts in Canada | Updated: 2026-11-14 | |
| Savings account | High Interest Savings Account (On balances of $25,000 or more) | 3.25% | Best Savings Accounts in Canada | Updated: 2026-11-14 | |
| Savings account | High Interest Savings Account (on balances between $10,000 and $25,000) | 3.00% | On balances between $10,000 and $25,000 as printed in account name; $100,000 per category Insured by CDIC | Best Savings Accounts in Canada - Compare Interest Rates | WOWA.ca | 2026-11-14 |
| Savings account | High Interest Savings Account (on balances of $25,000 or more) | 3.25% | On balances of $25,000 or more as printed in account name; $100,000 per category Insured by CDIC | Best Savings Accounts in Canada - Compare Interest Rates | WOWA.ca | 2026-11-14 |
| Savings account | RRSP HISA | 3.25% | Best Savings Accounts in Canada | Updated: 2026-11-14 | |
| Savings account | WealthONE High Interest Savings Account | up to 3.00% | No minimum balance required; Monthly fee $0 | Best High-Interest Savings Accounts in Canada for 2026 | These HISAs also offer higher-than-average rates as of November 9, 2026 |
Wealthsimple
| Product | Term or type | Published rate or fee | Conditions as published | Source | As of |
|---|---|---|---|---|---|
| Savings account | Cash Account | 2.25% | Best Savings Accounts in Canada | Updated: 2026-11-14 | |
| Chequing account | Chequing Account | $0 | Fee as printed in provider table on page; interest rates 1.75%-2.75% as printed in that table; insured by CDIC | Compare the Best Chequing Accounts in Canada | Ratehub.ca | 2026-11-10 |
| Savings account | Registered Savings FHSA | 1.25% | Best Savings Accounts in Canada | Updated: 2026-11-14 | |
| Savings account | Wealthsimple Cash | 2.25% | Based on account balance | The best high-interest savings accounts in Canada for 2026 | 2026-11-14 |
| Savings account | Wealthsimple Cash | 2.25% | Based on account balance as printed in table | The best high-interest savings accounts in Canada for 2026 | 2026-11-14 |
| Savings account | Wealthsimple Cash High-Interest Savings Account | 1.75%-2.25% | Fees: $0; Insurance: CDIC | Best high interest savings accounts in Canada 2026 | Ratehub.ca | Rates updated: November 12, 2026, 3:44 p.m. |
| Chequing account | Wealthsimple Chequing Account | $0 | Interest rates: 1.75%-2.75%; Insurance: CDIC | Compare the Best Chequing Accounts in Canada | Ratehub.ca | Rates updated: November 10, 2026, 8:13 p.m. |
Wealthsimple Cash
| Product | Term or type | Published rate or fee | Conditions as published | Source | As of |
|---|---|---|---|---|---|
| Savings account | High-Interest Savings Account | 1.75%-2.25% | Fees $0 as printed in table; insured by CDIC | Best high interest savings accounts in Canada 2026 | Ratehub.ca | 2026-11-12 |
Your Neighbourhood Credit Union
| Product | Term or type | Published rate or fee | Conditions as published | Source | As of |
|---|---|---|---|---|---|
| Savings account | Combination Savings - $100,000-$249,999 | 1.40% | Savings Account Rates | YNCU | ||
| Savings account | Combination Savings - $250,000-$499,999 | 1.50% | Savings Account Rates | YNCU | ||
| Savings account | Combination Savings - $5,000-$99,9999 | 1.30% | Savings Account Rates | YNCU | ||
| Savings account | Combination Savings - $500,000 and over | 1.60% | Savings Account Rates | YNCU | ||
| Savings account | Combination Savings - Up to $4,999 | 0.05% | Savings Account Rates | YNCU | ||
| Savings account | Emergency Savings - Up to $15,000 | 1.70% | Savings Account Rates | YNCU | ||
| Savings account | First Home Savings Account - Up to $8,000/year | 0.85% | Savings Account Rates | YNCU | ||
| Savings account | High Interest Savings - $5,000 and over | 0.85% | Savings Account Rates | YNCU | ||
| Savings account | High Interest Savings - Up to $4,999 | 0.05% | Savings Account Rates | YNCU | ||
| Savings account | Savings - All balances | 0.05% | Savings Account Rates | YNCU |
motusbank
| Product | Term or type | Published rate or fee | Conditions as published | Source | As of |
|---|---|---|---|---|---|
| Chequing account | motusbank No-Fee Chequing Account | $0 | Interest rates: 0.15%; Insurance: CDIC | Compare the Best Chequing Accounts in Canada | Ratehub.ca | Rates updated: November 10, 2026, 8:13 p.m. |
Why the highest figure needs its conditions read first
The warning belongs with this family because it is the most expensive misreading in Canadian personal finance: the highest figure on this page is almost certainly a promotional rate, a figure an institution pays for a few months to gather deposits before replacing it with its regular rate, and every source we capture prints the two kinds in the same type. The conditions column of each row is where a row confesses which kind it is, with the promotion's terms and its end date where the source prints them, so the highest rows deserve to be read for their conditions first and their percentages second. Account charges are a separate record and live in the bank accounts section, because what a savings account pays is only half of what it costs or earns.
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