Current Rates

Our latest rates for Guaranteed Investment Certificates, bonds and other investments and loans.

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Rates-at-a-glance (as of 12-Apr-2024 )

Guaranteed Investment Certificates Rates

Guaranteed Investment Certificates Rates: Displays the rate for Guaranteed Investment Certificates for terms from 30 days through 5 years.
TermRateTermRate
30-Day 
4.3%
1 Year 5.15%
90-Day 4.5%2 Year 4.92%
180-day 5.1%3 Year 4.76%
270-day 5.15%4 Year 4.51%
  5 Year 4.43%

Guaranteed Investment Certificates (GICs) GICs are issued by a Canada Deposit Insurance Corporation (CDIC)−insured financial institution and pay a fixed rate for a fixed term. GICs are CDIC eligible deposit products and are CDIC-insured up to a maximum of $100,000 including both principal and interest combined for both Canadian dollars and in a foreign currency (including US dollars) per issuer per account type registration. All GIC rates listed are annualized. Minimum investment amount is $5,000.

For more information on these and other investments, please contact your local Edward Jones financial advisor today.

Provincial Bonds 

Provincial Bonds: Displays the rate range for Provincial Bonds for terms from 0 to over 16 years.
TermRate Range
0 - 5 Year3.1% to 4.24%
6 - 15 Year3.64% to 4.58%
16+ Year4.35% to 4.79%

These securities are backed by the issuing province as to the payment of principal and interest, based on its ability to levy and collect taxes. This does not remove market or interest risk.

For more information on these and other investments, please contact your local Edward Jones financial advisor today.

Corporate Bonds 

Corporate Bonds: Displays the rate range for Corporate Bonds for terms from 0 to over 16 years.
TermRate Range
0 - 5 Year2.82% to 5%
6 - 15 Year3.97% to 5.4%
16+ Year4.63% to 5.5%

Corporate bonds are issued by various corporations and are available with various credit ratings, which vary according to the issuer. These also carry market and interest risk.

For more information on these and other investments, please contact your local Edward Jones financial advisor today.

Zero Coupon Bonds 

Zero Coupon Bonds: Displays the rate range for Zero Coupon Bonds for terms from 0 to over 16 years.
TermRate Range
0 - 5 Year3.03% to 4.87%
6 - 15 Year4.69% to 4.69%
16+ Year0% to 0%

These securities are derived from Government of Canada, Provincial Government, and Corporate bonds. The coupons are removed and sold as different securities. The zero coupon security carries the same backing as the original bond. Market and interest risks are greater with zero coupon securities than with the original bond.

For more information on these and other investments, please contact your local Edward Jones financial advisor today.

U.S. Dollar Pay Bonds 

U.S. Dollar Pay Bonds: Displays the rate range for U.S. Dollar Pay Bonds for terms from 0 to over 16 years.
TermRate Range
0 - 5 Year0% to 0%
6 - 15 Year5.6% to 6%
16+ Year0% to 0%

These securities are comprised of U.S. dollar corporate bonds, U.S. dollar Yankee bonds, which are Canadian corporate bonds issued in U.S. dollars, and FDIC-insured CDs.

For more information on these and other investments, please contact your local Edward Jones financial advisor today.

High Interest Savings (HISA/ISA)

High Interest Savings Account (HISA/ISA) HISAs are issued by a Canada Deposit Insurance Corporation (CDIC)−insured financial institution. HISAs are CDIC eligible deposit products and are CDIC-insured up to a maximum of $100,000 including both principal and interest combined for both Canadian dollars and in a foreign currency (including US dollars) per issuer per account type registration. Minimum investment amounts may vary by issuer provider. All HISA rates listed are annualized. The interest rate is an annual rate and the interest calculation is a simple interest calculation. The interest payable on a HISA is calculated daily and paid monthly. The HISA product is available to Canadian residents only. Commissions, trailing commissions, and fees may be associated with this product and may be applicable and paid to the financial advisor.

Rates on High Interest Savings (HISA/ISA): Displays the Canadian and U.S. Dollar Balance Rates on High Interest Savings (HISA/ISA) Accounts with less than and greater than $100,000.
 CA Dollar Balance RateU.S. Dollar Balance Rate
Less than $100,0004.75%4.90%
$100,000 and greater4.90%5.05%

Rates on Client Cash Balances

Rates on Client Cash Balances: Displays the Canadian and U.S. Dollar Balance Rates on Non-Registered Cash Balances and Registered Cash Balances.
 CA Dollar Balance RateU.S. Dollar Balance Rate
Non-Registered Cash Balances0.01%0.01%
Registered Cash Balances0.01%0.01%

CA Rates on Customer Loan Balances

CA Rates on Customer Loan Balances: Displays the Canadian and U.S. Dollar Balance Rates on customer loan balances of less than $50,000 to over $500,000.
 CA Dollar Balance RateU.S. Dollar Balance Rate
Less than $50,0008.95%10.25%
$50,000 to $99,9998.70%10.00%
$100,000 to $249,9998.45%9.75%
$250,000 to $499,9998.20%9.50%
$500,000 and greater8.20%8.00%

(Interest on cash balances are paid only if at least $1 of interest is generated) For more information on these and other investments, please contact your local Edward Jones financial advisor today.

Currency Exchange Rate

Currency Exchange Rate: Displays the Currency Exchange Rate to buy and sell U.S. Dollars.
Buy USD1.3555 CAD
Sell USD1.3305 CAD

The exchange rate applied to any particular transaction may vary from that shown.

Key Market Rate

Key Market Rate: Displays the Canadian and U.S. Prime Rates.
 Rate
Canadian Prime Rate7.20%
U.S. Prime Rate8.50%

This is the rate that commercial banks charge on loans to their best commercial customers. Interest rates on other loans are often based on the prime rate.

Important Information:

The rates and yields presented are those available on the revision date and time displayed. They are expressed as yield to maturity (YTM), unless otherwise noted, and are subject to availability and change without notice.


This information is presented to better enable you to recognize the underlying differences between the investments featured and the resulting relationships of the rates presented.


There is a risk/reward relationship to every investment. Put simply, this means the higher the rate of return, the greater the relative risk. Unless otherwise noted, the investments shown are for a specified term. The rates displayed assume ownership until due date or termination date for the investment. Should your ownership cease for any reason prior to that date, the amount of principal you receive may differ from that originally invested (market risk), and your return may differ from that shown (interest risk).