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 on top of your Regular Interest rate 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 bonus offer3

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

Account Open Date Bonus Interest Rate
March 27, 2023 to present RDS%rate[3].CESA.Published(null,0.0_and over_0.0_CAD_Bonus,1,1)(#O2#)%

CIBC US$ Personal Account

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

Daily Closing Balance Regular Interest4 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#)%
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..

Daily Closing Balance Rate1
All Balances RDS%rate[3].CBPGA.Published(null,0.0_and over_0.0_CAD_Balance,1,1)(#O2#)%
Daily Closing Balance Rate1
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 Rate1
All Balances RDS%rate[3].CBPGA.Published(null,0.0_and over_0.0_CAD_Balance,1,3)(#O2#)%