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HAPPY Interest Rates

Rates

Our Happy Savings account and term rates are annualized and are current as of today’s date. All rates are subject to change without notice. Interest for our Happy Savings accounts is calculated daily and paid monthly. For our 1 year term, interest is calculated daily and compounded quarterly.  For 2-5 year terms, interest is calculated and compounded annually.

If you have any questions regarding our rates, please contact us via email or our secure online chat.

Rates are subject to change without notice.

** O.A.C. The Annual Percentage Rate (APR) is equivalent to the Annual Interest Rate, and assumes that no fee(s) apply. If fee(s) are required as part of the application processing, any fee(s) would increase your APR.

Current Canadian Dollar to US Dollar exchange rates

Members Buy US Dollars

Members Sell US Dollars
1.3761 1.3361

 

Daily Savings

High-interest savings account
 3.60%
TFSAs, RRSPs, and RRIFs
3.65%
US savings account
0.25%

 

Non-Registered Terms, TFSAs, RRSPs, and RRIFs*

1 year quarterly term* 5.20% (average)
1 year term 5.75%
2 year term 5.75%
3 year term 5.25%
4 year term 5.05%
5 year term 5.05%

 
DATE HAPPY SAVINGS ACCOUNT RATE
October 6, 2023 3.60%
September 1, 2023 3.60%
August15, 2023 3.60%
July 19, 2023 3.60%
June 16, 2023 3.45%
May 5, 2023 3.30%
April 12, 2023 3.35%
March 17, 2023 3.40%
February 17, 2023 3.40%
February 2, 2023 3.40%