Rates

Registered Investment Rates

RRSP interest rates

All current ATB RRSP interest rates for Deposit Accounts, Fixed Rate Redeemable, Non-Redeemable Term Accounts and the Springboard GIC.

Promotional Non-Redeemable Personal GIC1

Term in months Rates
12 months (Promotion) 0.60%
15 months (Promotion) 0.65%
18 months (Promotion) 0.95%
24 months (promotion) 1.00%

Rates for the promotional Personal GIC are only available for clients investing in Personal Banking Products. Agriculture, Business, and Commercial clients are encouraged to reach out to their Relationship Manager or Account Manager for current rates.

Retirement Savings Builder Account (MM Series)

Dollar amount Rates
$0.00 - $4,999 0.15%
$5,000 - $24,999 0.15%
$25,000+ 0.15%
Variable rate daily interest (DI Series) 0.15%

Fixed rate non-redeemable short term accounts (ST series)

Days Rates
30 - 59 days 0.15%
60 - 89 days 0.26%
90 - 119 days 0.32%
120 - 149 days 0.40%
150 - 179 days 0.40%
180 - 269 days 0.45%
270 - 364 days 0.54%

Fixed rate non-redeemable term accounts (NR series)

Compounded annually Rates
12 and under 15 months 0.50%
15 and under 24 months 0.60%
24 and under 30 months 0.65%
30 and under 36 months 0.675%
36 and under 48 months 0.70%
48 and under 60 months 0.75%
60 months 0.90%
Paid semi-annually Rates
12 months 0.250%
15 months 0.350%
24 months 0.400%
30 months 0.425%
36 months 0.450%
48 months 0.500%
60 months 0.650%

Fixed rate redeemable term accounts (RE series)

Compounded annually Rates
12 and under 15 months 0.05%
15 and under 24 months 0.05%
24 and under 30 months 0.05%
30 and under 36 months 0.05%
36 and under 48 months 0.05%
48 and under 60 months 0.05%
60 months 0.05%
Paid semi-annually Rates
12 months 0.035%
15 months 0.035%
24 months 0.035%
30 months 0.035%
36 months 0.035%
48 months 0.035%
60 months 0.035%

Springboard GIC: 3 Year

Year Rates
Year 1 0.50%
Year 2 0.75%
Year 3 0.90%
Blended interest rate 0.72%

Springboard GIC: 5 Year

Year Rates
Year 1 0.50%
Year 2 0.75%
Year 3 0.90%
Year 4 1.00%
Year 5 1.15%
Blended interest rate 0.86%

TFSA interest rates

All the Tax Free Savings Account interest rates for the ATB Tax-Free Saver Account, the Non-Redeemable TFSA and the Redeemable Springboard TFSA GICs.

Tax-Free Saver Account

Dollar amount Rates
$0.00 - $4,999 0.15%
$5,000 - $99,999 0.15%
$100,000 and over 0.15%

Non-redeemable

Term Rates
1 year 0.500%
15 month 0.600%
2 year 0.650%
3 year 0.700%
4 year 0.750%
5 year 0.900%

Redeemable 1 year cashable TFSA GIC

Term Rates
Full term - Redeemable anytime 0.20%
Early redemption (90 days or greater) 0.15%
Early redemption (30 - 89 days) 0.10%
Early redemption 0 - 29 days) 0.00%

Redeemable 3 year Springboard GIC

Year Rates
Year 1 0.50%
Year 2 0.75%
Year 3 0.90%
Blended interest rate 0.72%

Redeemable 5 year Springboard GIC

Year Rates
Year 1 0.50%
Year 2 0.75%
Year 3 0.90%
Year 4 1.00%
Year 5 1.15%
Blended interest rate 0.86%

RRIF interest rates

All current ATB RRIF interest rates for Fixed Rate Non-Redeemable Accounts, Fixed Rate Redeemable Term Accounts, Cashable Accounts and general variable rate daily interest.

Promotional Cashable Personal GIC1

Term in months Rates
24 months (promotion) 1.00%

Rates for the promotional Personal GIC are only available for clients investing in Personal Banking Products. Agriculture, Business, and Commercial clients are encouraged to reach out to their Relationship Manager or Account Manager for current rates.

Cashable accounts (CS series)

Term Rates
12 months 0.500%
24 months 0.650%
36 months 0.700%
48 months 0.750%
60 months 0.900%

Fixed rate redeemable term accounts (RE series)

Term Rates
12 months 0.035%
15 months 0.035%
24 months 0.035%
30 months 0.035%
36 months 0.035%
48 months 0.035%
60 months 0.035%

Fixed rate non-redeemable term accounts (NR series)

Term Rates
12 months 0.250%
15 months 0.350%
24 months 0.400%
30 months 0.425%
36 months 0.450%
48 months 0.500%
60 months 0.650%

Fixed rate non-redeemable short term accounts (ST series)

Term Rates
30 - 59 days 0.15%
60 - 89 days 0.26%
90 - 119 days 0.32%
120 - 149 days 0.40%
150 - 179 days 0.40%
180 - 269 days 0.45%
270 - 364 days 0.54%

Variable rate daily interest

Dollar amount Rates
$0 - $1,000 0.10%
$1,000 - $5,000 0.15%
$5,000 - $10,000 0.25%
$10,000 - $250,000 0.25%
$250,000 and over 0.40%

RESP interest rates

All current ATB RESP interest rates for the Deposit Account, the Fixed Rate Non-Redeemable Term Account and the 3 or 5 year term Springboard RESP.

3 year Springboard RESP (SB series)

Year Rates
Year 1 0.50%
Year 2 0.75%
Year 3 0.90%
Blended interest rate 0.72%

5 year Springboard RESP (SB series)

Year Rates
Year 1 0.50%
Year 2 0.75%
Year 3 0.90%
Year 4 1.00%
Year 5 1.15%
Blended interest rate 0.86%

Fixed rate non-redeemable term accounts (NR series)

Term Rates
12 and under 24 months 0.500%
24 and under 36 months 0.650%
36 and under 48 months 0.700%
48 and under 60 months 0.750%
60 months 0.900%

Deposit Account

Details Rates
Daily Interest Savings Accounts (DI series) 0.15%

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