CIBC current prime rate RDS%rate[1].PRIME.rate(null,null,null,null)(#O2#)% as of RDS%SYSTEM_DATE(#M# #d#, #Y#)%

Service fees for personal bank accounts

The interest that you earn on your money depends on the type of bank account and balance you have.

Rates as of RDS%SYSTEM_DATE(#M# #d#, #Y#)%

Featured savings accounts

CIBC eAdvantage Savings Account

Get Regular Interest1 on all balances.

Daily Closing Balance Regular Interest1 Rate
Balance up to $9,999.99 RDS%rate[3].CESA.Published(null,0.0_-_9999.99_CAD_Balance,1,1)(#O2#)% 
Balance $10,000 to $24,999.99 RDS%rate[3].CESA.Published(null,10000.0_-_24999.99_CAD_Balance,1,1)(#O2#)% 
Balance $25,000 to $99,999.99 RDS%rate[3].CESA.Published(null,25000.0_-_99999.99_CAD_Balance,1,1)(#O2#)% 
Balance $100,000 to $499,999.99 RDS%rate[3].CESA.Published(null,100000.0_-_499999.99_CAD_Balance,1,1)(#O2#)% 
Balance $500,000 and over RDS%rate[3].CESA.Published(null,500000.0_and over_0.0_CAD_Balance,1,1)(#O2#)% 

Get additional Smart Interest when you save $200 or more in a month. Limits apply.2   Learn about Smart Interest. Opens in a dialog.

Daily Closing Balance Smart Interest2 Rate 
Balance up to $200,000 RDS%rate[3].CESA.Published(null,0.0_-_200000.0_CAD_Smart Int,1,1)(#O2#)%

New Account Special Interest Rate Offer

Open your first CIBC eAdvantage Savings Account and get a special interest rate for 4 months. No minimum balance required.

Account Open Date Special Interest Rate
February 12, 2024 to present RDS%rate[3].CESA.Published(null,0.0_and over_0.0_CAD_Bonus,1,1)(#O2#)%

Special Interest rate includes both Regular + Bonus interest, with a balance limitation of $1,000,000 on Bonus interest.

CIBC US$ Personal Account

A convenient way to manage your U.S. dollars.

Daily Closing Balance Regular Interest3 Rate
Balance up to $2,999.99 RDS%rate[3].CUPA.rate(null,0.0_up to_2999.99_CAD_Balance,1,1)(#O2#)%
Balance $3,000 to $9,999.99 RDS%rate[3].CUPA.rate(null,3000.0_-_9999.99_CAD_Balance,1,1)(#O2#)%
Balance $10,000 to $24,999.99 RDS%rate[3].CUPA.rate(null,10000.0_-_24999.99_CAD_Balance,1,1)(#O2#)%
Balance $25,000 to $59,999.99 RDS%rate[3].CUPA.rate(null,25000.0_-_59999.99_CAD_Balance,1,1)(#O2#)%
On portion of balances $60,000 and over RDS%rate[3].CUPA.rate(null,60000.0_and over_0.0_CAD_Portion,1,1)(#O2#)%

Accounts no longer offered

For details on CIBC personal banking account fees, policies and agreements, refer to Personal Account Service Fees (PDF, 210 KB) Opens in a new window..