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HAPPY Interest 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 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.


Daily Savings

High-interest savings account


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

1 year quarterly term* 4.90% (average)
1 year term 5.00%
2 year term 4.85%
3 year term 4.60%
4 year term 4.50%
5 year term 4.40%

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

Current Canadian Dollar to US Dollar exchange rates

Members Buy US Dollars

Members Sell US Dollars

1.390 1.350



** 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.

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%