Scotiabank
Deposit insurance: CDIC · Available in: all of Canada
Check current rates on Scotiabank's website
Savings accounts
| Account | Type | Rate | Ongoing | Conditions | Checked |
|---|---|---|---|---|---|
| Investment Cash – CAD | NON-REGISTERED | 0.01% | 0.01% | 2026-11-15 | |
| Momentum PLUS Savings Account | NON-REGISTERED | 0.40% | 0.40% | Premium interest added the longer you save: +0.05% after 90 days, +0.10% after 180, +0.15% after 270, +0.30% after 360 days (up to 0.70% total) | 2026-11-15 |
| Money Master Savings Account | NON-REGISTERED | 0.50% | 0.01% | Bonus rate of 0.50% if enrolled in Smart Savings tools | 2026-11-15 |
| Savings Accelerator Account - First Home Savings Account (FHSA) | FHSA | 0.25% | 0.25% | 2026-11-15 | |
| Savings Accelerator Account - Non-Registered Plans | NON-REGISTERED | 0.10% | 0.10% | 2026-11-15 | |
| Savings Accelerator Account - Tax-Free Savings Account (TFSA) | TFSA | 0.25% | 0.25% | 2026-11-15 | |
| Savings Accelerator Account – Registered Plans (excluding TFSA and FHSA) | RRSP | 0.25% | 0.25% | 2026-11-15 | |
| Scotia High Interest Savings Account (HISA) | NON-REGISTERED | 1.75% | 1.75% | Rate depends on Total Relationship Balance: 0% under $10,000, 1.75% $10,000-$99,999, 2.00% $100,000+, 2.25% $250,000+, 2.45% $500,000+ | 2026-11-15 |
| Scotia Tax-Free Savings Account | TFSA | 0.01% | 0.01% | 2026-11-15 |
GICs
| GIC | Type | Term | Redeemable | Rate | Conditions | Checked | |
|---|---|---|---|---|---|---|---|
| Short-term Non-Redeemable GIC (30-59 days) | NON-REGISTERED | 1 mo | No | 2.00% | 2026-11-15 | ||
| Short-term Non-Redeemable GIC (60-89 days) | NON-REGISTERED | 2 mo | No | 2.00% | 2026-11-15 | ||
| Short-term Non-Redeemable GIC (90-119 days) | NON-REGISTERED | 3 mo | No | 2.20% | 2026-11-15 | ||
| Short-term Non-Redeemable GIC (90-119 days) | RRSP | 3 mo | No | 2.20% | 2026-11-15 | ||
| Short-term Non-Redeemable GIC (120-149 days) | NON-REGISTERED | 4 mo | No | 2.20% | 2026-11-15 | ||
| Short-term Non-Redeemable GIC (120-149 days) | RRSP | 4 mo | No | 2.20% | 2026-11-15 | ||
| Short-term Non-Redeemable GIC (150-179 days) | NON-REGISTERED | 5 mo | No | 2.20% | 2026-11-15 | ||
| Short-term Non-Redeemable GIC (150-179 days) | RRSP | 5 mo | No | 2.20% | 2026-11-15 | ||
| Short-term Non-Redeemable GIC (180-269 days) | NON-REGISTERED | 6 mo | No | 2.30% | 2026-11-15 | ||
| Short-term Non-Redeemable GIC (180-269 days) | RRSP | 6 mo | No | 2.30% | 2026-11-15 | ||
| Short-term Non-Redeemable GIC (270-364 days) | NON-REGISTERED | 9 mo | No | 2.40% | 2026-11-15 | ||
| Short-term Non-Redeemable GIC (270-364 days) | RRSP | 9 mo | No | 2.40% | 2026-11-15 | ||
| Guaranteed Income Optimizer | NON-REGISTERED | 12 mo | No | 2.45% | 2026-11-15 | ||
| Long-term Non-Redeemable GIC (compounded annually) | NON-REGISTERED | 12 mo | No | 2.45% | 2026-11-15 | ||
| Long-term Non-Redeemable GIC (compounded annually) | RRSP | 12 mo | No | 2.45% | 2026-11-15 | ||
| Regular Cashable GIC | NON-REGISTERED | 12 mo | Yes | 1.90% | Cashable anytime after 30 days with no interest penalty | 2026-11-15 | |
| Regular Cashable GIC | RRSP | 12 mo | Yes | 1.90% | Cashable anytime after 30 days with no interest penalty | 2026-11-15 | |
| Long-term Non-Redeemable GIC (compounded annually) | NON-REGISTERED | 18 mo | No | 2.50% | 2026-11-15 | ||
| Long-term Non-Redeemable GIC (compounded annually) | RRSP | 18 mo | No | 2.50% | 2026-11-15 | ||
| Guaranteed Income Optimizer | NON-REGISTERED | 24 mo | No | 2.50% | 2026-11-15 | ||
| Long-term Non-Redeemable GIC (compounded annually) | NON-REGISTERED | 24 mo | No | 2.50% | 2026-11-15 | ||
| Long-term Non-Redeemable GIC (compounded annually) | RRSP | 24 mo | No | 2.50% | 2026-11-15 | ||
| Special Non-Redeemable GIC | NON-REGISTERED | 24 mo | No | 3.50% | Special offer rate; conditions not stated | 2026-11-15 | |
| Special Personal Redeemable GIC | NON-REGISTERED | 24 mo | Yes | 2.75% | Special offer rate; conditions not stated | 2026-11-15 | |
| Guaranteed Income Optimizer | NON-REGISTERED | 36 mo | No | 2.60% | 2026-11-15 | ||
| Long-term Non-Redeemable GIC (compounded annually) | NON-REGISTERED | 36 mo | No | 2.60% | 2026-11-15 | ||
| Long-term Non-Redeemable GIC (compounded annually) | RRSP | 36 mo | No | 2.60% | 2026-11-15 | ||
| Guaranteed Income Optimizer | NON-REGISTERED | 48 mo | No | 2.70% | 2026-11-15 | ||
| Long-term Non-Redeemable GIC (compounded annually) | NON-REGISTERED | 48 mo | No | 2.70% | 2026-11-15 | ||
| Long-term Non-Redeemable GIC (compounded annually) | RRSP | 48 mo | No | 2.70% | 2026-11-15 | ||
| Guaranteed Income Optimizer | NON-REGISTERED | 60 mo | No | 2.75% | 2026-11-15 | ||
| Long-term Non-Redeemable GIC (compounded annually) | NON-REGISTERED | 60 mo | No | 2.75% | 2026-11-15 | ||
| Long-term Non-Redeemable GIC (compounded annually) | RRSP | 60 mo | No | 2.75% | 2026-11-15 | ||
| Guaranteed Income Optimizer | NON-REGISTERED | 72 mo | No | 2.75% | 2026-11-15 | ||
| Guaranteed Income Optimizer | NON-REGISTERED | 84 mo | No | 2.75% | 2026-11-15 | ||
| Guaranteed Income Optimizer | NON-REGISTERED | 96 mo | No | 2.75% | 2026-11-15 | ||
| Guaranteed Income Optimizer | NON-REGISTERED | 108 mo | No | 2.80% | 2026-11-15 | ||
| Guaranteed Income Optimizer | NON-REGISTERED | 120 mo | No | 3.00% | 2026-11-15 |