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

Interest rates on personal bank accounts

Maximize your savings with a high interest account

CIBC eAdvantage® Savings Account
Get a special RDS%rate[3].CESA.Published(null,0.0_and over_0.0_CAD_Bonus,1,1)(#O2#)%^ⓘ offer for 3 months when you open your first account. Limits apply.

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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 Interest^ⓘ on all balances.

Daily Closing Balance	Regular Interest^ⓘ 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.^ⓘ Learn about Smart Interest. Opens in a dialog.

Daily Closing Balance	Smart Interest^ⓘ 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 3 months. No minimum balance required.

Account Open Date	Special Interest Rate^ⓘ
May 5, 2025 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 Interest^ⓘ 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..

CIBC Premium Growth Account™

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

CIBC Bonus Savings Account

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

CIBC Daily Interest Savings Account

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

CIBC Investor’s Rate Account (CIRA)

Daily Closing Balance	Rate^ⓘ
Balance up to $999.99	RDS%rate[3].CIR.Published(null,0.0_up to_999.99_CAD_Balance,1,1)(#O2#)%
Balance $1,000 to $4,999.99	RDS%rate[3].CIR.Published(null,1000.0_-_4999.99_CAD_Balance,1,1)(#O2#)%
Balance $5,000 to $24,999.99	RDS%rate[3].CIR.Published(null,5000.0_-_24999.99_CAD_Balance,1,1)(#O2#)%
Balance $25,000 to $59,999.99	RDS%rate[3].CIR.Published(null,25000.0_-_59999.99_CAD_Balance,1,1)(#O2#)%
Portion $60,000 and over	RDS%rate[3].CIR.Published(null,60000.0_and over_0.0_CAD_Portion,1,1)(#O2#)%