Our best savings offer

It’s easy to save with up to RDS%rate[3].CESA.Published(null,100000.0_-_499999.99_CAD_Balance,1,1)(#O2#)% + %rate[3].CESA.Published(null,0.0_-_200000.0_CAD_Smart Int,1,1)(#O2#)% + %rate[3].CESA.Published(null,0.0_and over_0.0_CAD_Bonus,1,1)(#O2#)%^† interest

Save more, faster with your first CIBC eAdvantage® Savings Account. Plus, get rewarded with Smart Interest.

^† Limits apply.

Open an account

New

Saving made easy with Smart Interest

Make saving a habit with a smarter savings account.

Save $200 or more a month and get rewarded with Smart Interest¹
Set up automatic transfers in less than 1 minute to maximize your savings

Get up to RDS%rate[3].CESA.Published(null,100000.0_-_499999.99_CAD_Balance,1,1)(#O2#)% + %rate[3].CESA.Published(null,0.0_-_200000.0_CAD_Smart Int,1,1)(#O2#)% + %rate[3].CESA.Published(null,0.0_and over_0.0_CAD_Bonus,1,1)(#O2#)% interest

Regular interest rate

RDS%rate[3].CESA.Published(null,0.0_-_9999.99_CAD_Balance,1,1)(#O2#)% to RDS%rate[3].CESA.Published(null,500000.0_and over_0.0_CAD_Balance,1,1)(#O2#)%

Earned on all balances.

Smart Interest rate

RDS%rate[3].CESA.Published(null,0.0_-_200000.0_CAD_Smart Int,1,1)(#O2#)%

Plus, get Smart Interest when you save at least $200 a month (up to a balance limit of $200,000).

Bonus interest rate

RDS%rate[3].CESA.Published(null,0.0_and over_0.0_CAD_Bonus,1,1)(#O2#)%

Additionally, receive bonus interest for the first 4 months when you open your first account (up to a balance limit of $1,000,000).

How do I qualify?

You’ll qualify for the bonus interest rate offer when you open your first CIBC eAdvantage® Savings Account.

You're eligible to open an account if you are a Canadian resident who has reached the age of majority in your province or territory.

What comes with an eAdvantage Savings Account?

Regular interest

Earned on all your balances all the time.

Smart Interest

Get rewarded with more on account balances up to $200,000 when you save at least $200 each month.

AutoSave

Set it and forget it with scheduled, automatic transfers that quickly turn a little into a lot.

Get a CIBC eAdvantage Savings Account

Apply now

^† This is a combined bonus, regular and Smart annual interest rate offer. The offer only applies to clients opening their first CIBC eAdvantage^® Savings Account (“eSA”). Eligible eSAs will earn bonus interest (“Bonus Interest”) for 120 days from the date the eSA is opened, in addition to regular (“Regular Interest”) and Smart Interest (each month in which you save at least $200 across all your account(s) with the same account holders). The Regular Interest rate is based on the tier your daily closing balance falls within. Lower balances will earn a lower Regular Interest rate resulting in a lower combined offer. For current interest rates click here or ask at any CIBC Banking Centre. Regular Interest is calculated daily at the current rate on each day’s full closing balance and paid monthly. Bonus Interest is calculated daily at the current rate on each day’s full closing balance (up to a balance limit of $1,000,000) and paid monthly. Smart Interest is calculated daily at the current Smart Interest rate on each day’s full closing balance (up to a balance limit of $200,000 across all accounts with the same account holders and paid between the first 5 to 7 business days of the following month. Bonus Interest, Regular Interest and Smart Interest rates quoted are annual. Interest rates may change at any time without prior notice. Other conditions apply. For full offer details, review the Terms and Conditions (PDF, 100 KB) Opens in a new window. or visit a CIBC Banking Centre.

¹ Smart Interest is a bonus interest reward earned on the total account balance in your CIBC eAdvantage Savings Account(s), up to a maximum aggregate balance limit of $200,000 (“Smart Balance Maximum”), each month in which you save at least $200 (excluding interest earned) across all your account(s) with the same account holders (“Smart Balance Growth”). Smart Interest is calculated daily at the current Smart Interest rate on each day’s full closing balance (up to the Smart Balance Maximum) and paid between the first 5 to 7 business days of the following month. Smart Interest rate quoted is an annual rate. Smart Interest, the Smart Balance Maximum and the Smart Balance Growth amount may change at any time without prior notice. Other conditions apply. Review the full Terms and Conditions available at cibc.com/smartsavings.

Trademarks

It’s easy to save with up to RDS%rate[3].CESA.Published(null,100000.0_-_499999.99_CAD_Balance,1,1)(#O2#)% + %rate[3].CESA.Published(null,0.0_-_200000.0_CAD_Smart Int,1,1)(#O2#)% + %rate[3].CESA.Published(null,0.0_and over_0.0_CAD_Bonus,1,1)(#O2#)%† interest

Saving made easy with Smart Interest

Get up to RDS%rate[3].CESA.Published(null,100000.0_-_499999.99_CAD_Balance,1,1)(#O2#)% + %rate[3].CESA.Published(null,0.0_-_200000.0_CAD_Smart Int,1,1)(#O2#)% + %rate[3].CESA.Published(null,0.0_and over_0.0_CAD_Bonus,1,1)(#O2#)% interest

Regular interest rate

Smart Interest rate

Bonus interest rate

How do I qualify?

What comes with an eAdvantage Savings Account?

Regular interest

Smart Interest

AutoSave

It’s easy to save with up to RDS%rate[3].CESA.Published(null,100000.0_-_499999.99_CAD_Balance,1,1)(#O2#)% + %rate[3].CESA.Published(null,0.0_-_200000.0_CAD_Smart Int,1,1)(#O2#)% + %rate[3].CESA.Published(null,0.0_and over_0.0_CAD_Bonus,1,1)(#O2#)%^† interest