† CIBC Personal Portfolio Services is a discretionary investment management service provided by CIBC Trust Corporation, a subsidiary of CIBC, to individuals with household investable assets greater than $100,000.
CIBC Mutual Funds and CIBC Family of Managed Portfolios are offered by CIBC Securities Inc., a subsidiary of CIBC. The CIBC Group of Funds include the CIBC Mutual Funds and the CIBC Family of Managed Portfolios. The CIBC Family of Managed Portfolios are the CIBC Managed Portfolios and CIBC U.S. Dollar Managed Portfolios, which are mutual funds that invest in CIBC Mutual Funds. Commissions, trailing commissions, management fees and expenses all may be associated with mutual fund investments. Please read the CIBC Mutual Funds prospectus before investing. To obtain a copy call CIBC Securities Inc. at 1-800-465-FUND or ask your mutual fund representative at any branch where CIBC Mutual Funds are sold. CIBC Mutual Funds are not covered by the Canada Deposit Insurance Corporation or by any other government deposit insurer nor are they guaranteed by CIBC. There can be no assurance that Savings Funds will be able to maintain their net asset value per security at a constant amount or that the full amount of your investment will be returned to you. The values of Income and Growth Funds change frequently. Past performance may not be repeated.
‡ Promotional Interest Offer
The following Terms and Conditions explain in detail how promotional interest can be earned on new and existing CIBC Business Investment Growth Accounts. This promotional interest offer is a combined offer, which means the interest earned is a combination of the regular interest rate and a promotional rate (the “Promotional Interest”).
Promotional Offer Period
1. The CIBC Business Investment Growth Account (the “BIGA”) Promotional Interest Offer (the “BIGA Offer”) begins on July 1, 2025 and continues until February 28, 2026 (the “BIGA Promotional Offer Period”).
Promotional Interest and Regular Interest
2. Promotional Interest is calculated daily at the current rate and paid monthly based on the following criteria:
- If a BIGA is opened during the BIGA Promotional Offer Period, it is eligible to earn Promotional Interest on the end of day final balance from the date the BIGA is opened for the duration of the BIGA Promotional Offer Period.
- If a BIGA was opened before the Promotional Offer Period, it is eligible to earn Promotional Interest on the portion of the account’s end of day final balance that exceeds the end of day final balance as at June 30, 2025. If a BIGA is overdrawn as at June 30, 2025, Promotional Interest will be applied to new balances after overdrawn funds have been cleared.
Regular interest (“Regular Interest”) is calculated daily at the current rate on each day’s end of day final balance, and paid monthly.
Regular Interest may be referred to as “Daily Credit Interest” and Promotional Interest may be referred to as “Promo Interest” on record keeping (such as CIBC Online Banking).
Regular Interest and/or Promotional Interest (being the combined Regular Interest and promotional rates) are current as of RDS%SYSTEM_DATE(#M# #d#, #Y#)% and may be changed or withdrawn at any time without prior notice. For current Regular Interest and Promotional Interest rates, visit the CIBC Business Account Rates page.
Restrictions
3. BIGA and BIGA Offer are available to eligible Small Business, Private Wealth, and Commercial Banking – Independent Business clients.
4. Promotional Interest will not be paid on funds that are transferred during the BIGA Promotional Offer Period:
- From a BIGA opened prior to the BIGA Promotional Offer Period to a BIGA that is opened during the BIGA Promotional Offer Period, or
- From a BIGA opened prior to the BIGA Promotional Offer Period to another CIBC bank account, and then back to a BIGA.
5. The Promotional Interest rate is earned on the first $5,000,000 in excess of the end of day final balance on June 30, 2025, or end of day final balance as of the date the BIGA is opened, for accounts opened during a campaign. New deposits in excess of the first $5,000,000 will receive regular annual interest only. If multiple BIGAs are owned by a client, all new deposits made during the promo period will be aggregated, for the purpose of calculating Promotional Interest.
General Terms and Conditions for Interest on Deposit Accounts
6. Interest will be credited to your account effective as of the last business day of the calendar month and will be reflected in your account records and available to you two business days after the end of the calendar month.
7. Interest rates quoted are annual.
8. Promotional Interest rate is calculated as a combination of the Regular Interest rate and a promotional rate.
9. The interest rate for each balance tier applies only to the portion of the balance which is in that tier. Interest rates and balance tiers are subject to change without prior notice.
Trademarks
