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.
Retirement Savings Builder Account
| Dollar amount | Rates |
|---|---|
| All balances | 0.20% |
Retirement Savings Daily Interest Account (DI Series)
| Dollar amount | Rates |
|---|---|
| All balances | 0.20% + 2.00% bonus on net new contributions* |
Limited time offer: Earn 2% bonus interest on top of the regular rate on net new deposits made into an ATB RRSP Daily Interest Account between January 9, 2023 - June 30, 2023.* For full details see here.
Fixed rate non-redeemable short term accounts (ST series)
| Days | Rates |
|---|---|
| 30 - 59 days | 2.00% |
| 60 - 89 days | 2.00% |
| 90 - 119 days | 2.25% |
| 120 - 149 days | 2.25% |
| 150 - 179 days | 2.25% |
| 180 - 269 days | 2.50% |
| 270 - 364 days | 2.50% |
Fixed rate non-redeemable term accounts (NR series)
| Compounded annually | Rates |
|---|---|
| 12 and under 15 months | 4.000% |
| 15 and under 24 months | 4.100% |
| 24 and under 30 months | 3.800% |
| 30 and under 36 months | 3.500% |
| 36 and under 48 months | 3.200% |
| 48 and under 60 months | 3.200% |
| 60 months | 3.100% |
| Paid semi-annually | Rates |
|---|---|
| 12 months | 3.750% |
| 15 months | 3.850% |
| 24 months | 3.550% |
| 30 months | 3.250% |
| 36 months | 2.950% |
| 48 months | 2.950% |
| 60 months | 2.850% |
Fixed rate redeemable term accounts (RE series)
| Compounded annually | Rates |
|---|---|
| 12 and under 15 months | 2.00% |
| 15 and under 24 months | 2.00% |
| 24 and under 30 months | 2.00% |
| 30 and under 36 months | 2.00% |
| 36 and under 48 months | 2.00% |
| 48 and under 60 months | 2.00% |
| 60 months | 2.00% |
| Paid semi-annually | Rates |
|---|---|
| 12 months | 1.985% |
| 15 months | 1.985% |
| 24 months | 1.985% |
| 30 months | 1.985% |
| 36 months | 1.985% |
| 48 months | 1.985% |
| 60 months | 1.985% |
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 | 0.70% + 2% bonus on net new contributions* |
| $5,000 - $99,999 | 0.70% + 2% bonus on net new contributions* |
| $100,000 and over | 0.70% + 2% bonus on net new contributions* |
Limited time offer: Earn 2% bonus interest on top of the regular rate on net new deposits made into an ATB Tax-Free Saver Account between January 9, 2023 - June 30, 2023.* For full details see here.
Non-redeemable
| Term | Rates |
|---|---|
| 1 year | 4.000% |
| 15 month | 4.100% |
| 2 year | 3.800% |
| 3 year | 3.200% |
| 4 year | 3.200% |
| 5 year | 3.100% |
Redeemable 1 year cashable TFSA GIC
| Term | Rates |
|---|---|
| Full term - Redeemable anytime | 3.00% |
| Early redemption (90 days or greater) | 2.00% |
| Early redemption (30 - 89 days) | 1.00% |
| 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.
Cashable accounts (CS series)
| Term | Rates |
|---|---|
| 12 months | 4.000% |
| 24 months | 3.800% |
| 36 months | 3.200% |
| 48 months | 3.200% |
| 60 months | 3.100% |
Fixed rate redeemable term accounts (RE series)
| Term | Rates |
|---|---|
| 12 months | 1.985% |
| 15 months | 1.985% |
| 24 months | 1.985% |
| 30 months | 1.985% |
| 36 months | 1.985% |
| 48 months | 1.985% |
| 60 months | 1.985% |
Fixed rate non-redeemable term accounts (NR series)
| Term | Rates |
|---|---|
| 12 months | 3.750% |
| 15 months | 3.850% |
| 24 months | 3.550% |
| 30 months | 3.250% |
| 36 months | 2.950% |
| 48 months | 2.950% |
| 60 months | 2.850% |
Fixed rate non-redeemable short term accounts (ST series)
| Term | Rates |
|---|---|
| 30 - 59 days | 2.00% |
| 60 - 89 days | 2.00% |
| 90 - 119 days | 2.25% |
| 120 - 149 days | 2.25% |
| 150 - 179 days | 2.25% |
| 180 - 269 days | 2.50% |
| 270 - 364 days | 2.50% |
Variable rate daily interest
| Dollar amount | Rates |
|---|---|
| $0 - $1,000 | 0.20% |
| $1,000 - $5,000 | 0.20% |
| $5,000 - $10,000 | 0.20% |
| $10,000 - $250,000 | 0.20% |
| $250,000 and over | 0.20% |
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 | 4.000% |
| 24 and under 36 months | 3.800% |
| 36 and under 48 months | 3.200% |
| 48 and under 60 months | 3.200% |
| 60 months | 3.100% |
Deposit Account
| Details | Rates |
|---|---|
| Daily Interest Savings Accounts (DI series) | 0.20% |
Rates are subject to change without notice.