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Climbing-Rate Term Savings

Interest rate rises each year

  • Capital 100% guaranteed
  • 3- and 5-year terms
  • Interest rate increases from year to year, guaranteed until maturity

It's ideal if you want to earn higher returns or save for a medium-term project.

Interest rate

  • Increases from year to year
  • Guaranteed until maturity

See current rates

Minimum deposit



  • non-convertible but redeemable: on the anniversary date, you can redeem all or a portion with no penalty (partial withdrawal of at least $1,000 if you maintain a balance of $1,000)
  • non-redeemable and non-convertible: offered at a higher rate


1. Depending on available options (redeemable or convertible).

2. For income tax purposes, interest declared annually is based on average return at maturity.

  • Competitive: because the interest rate increases annually, you earn higher average returns
  • Flexible:
    • You can cash in your savings or reinvest them
    • You can redeem all or part of your investment at anniversary dates for non-convertible but redeemable products
    • Ideal when interest rates are rising
  • Stable and secure: your capital and interest are guaranteed

Useful links

Climbing-Rate Term Savings, Non-redeemable (non-registered and TFSA) – 5-year
As of August 14, 2018
Year Rate
1st year
3rd year
5th year
Average rate

Other Climbing-Rate Term Savings