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 Account1

Get competitive Regular Interest on all balances, plus 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 Rate
Regular Interest3:

Balance up to $4,999.99
RDS%rate[3].CESA.Published(null,0.0_up to_4999.99_CAD_Balance,1,1)(#O2#)%
Regular Interest3:

Balance $5,000 or more
RDS%rate[3].CESA.Published(null,5000.0_and over_0.0_CAD_Balance,1,1)(#O2#)%
Smart Interest2:

Balance up to $200,000
RDS%rate[3].CESA.Published(null,0.0_up to_200000.0_CAD_Smart Int,1,1)(#O2#)%

New account bonus offer5

Open your first CIBC eAdvantage Savings Account and earn bonus interest for up to 120 days.

Account Open Date Bonus Rate
Apr 14, 2022 to present 2.00%

CIBC US$ Personal Account

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

Daily Closing Balance Rate4
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#)%
Portion $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..

Daily Closing Balance Rate3
All Balances RDS%rate[3].CBPGA.Published(null,0.0_and over_0.0_CAD_Balance,1,1)(#O2#)%
Daily Closing Balance Rate3
Balance up to $2,999.99 RDS%rate[3].CBSA.Published(null,0.0_up to_2999.99_CAD_Balance,1,1)(#O2#)%
Balance $3,000 or more RDS%rate[3].CBSA.Published(null,3000.0_and over_0.0_CAD_Balance,1,1)(#O2#)%

CIBC Advantage® for Youth

A CIBC Premium Growth Account that offers premium interest for anyone 18 years of age or younger.

Daily Closing Balance Rate3
All Balances RDS%rate[3].CBPGA.Published(null,0.0_and over_0.0_CAD_Balance,1,3)(#O2#)%