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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. Interest for our Happy Savings accounts is calculated daily and paid monthly. For our one-year quarterly term, interest is calculated daily and compounded quarterly. For 1-5 year non-redeemable 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.

*RATE SPECIAL* 60-month GIC

3.95%*

*Not available to open in online banking;
please contact us directly to take advantage!

Daily Savings

High-interest savings account
2.30%
TFSAs, FHSA, RRSPs, and RRIFs
2.30%

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

1 year quarterly term
3.65% (average)1
1 year term
3.75%
2 year term
3.65%
3 year term
3.70%
4 year term
3.75%
5 year term
3.95%

1Not available for First Home Savings Accounts (FHSA).

DATE HAPPY SAVINGS ACCOUNT RATE
August 20, 2025 2.30%
July 22, 2025 2.30%
July 2, 2025 2.00%
June 6, 2025 2.00%
May 20, 2025 2.00%
April 4, 2025 1.60%
March 13, 2025 1.60%
February 14, 2025 1.75%
January 30, 2025 1.75%
December 16, 2024 1.85%
October 30, 2024 2.35%
October 24, 2024 2.35%
October 15, 2024 2.85%
September 25, 2024 2.85%
September 5, 2024 2.85%
August 30, 2024 3.10%
July 25, 2024 3.10%
June 12, 2024 3.35%
January 5, 2024 3.60%
December 1, 2023 3.60%
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%