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CIBC

Bank· Toronto, Ontario· Since 1867Open to all

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data as of 2026-10-16 · How we track rates

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About CIBC

The Canadian Imperial Bank of Commerce (CIBC) is one of Canada's Big Five banks, formed by the 1961 merger of the Canadian Bank of Commerce (founded 1867) and the Imperial Bank of Canada. It is a publicly traded Schedule I chartered bank headquartered at CIBC Square in Toronto, serving roughly 15 million clients. It offers full-service personal and business banking, wealth management and capital markets services.

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Access: Open to all Canadians

Eligible provinces: Alberta, British Columbia, Manitoba, New Brunswick, Newfoundland & Labrador, Nova Scotia, Northwest Territories, Nunavut, Ontario, Prince Edward Island, Quebec, Saskatchewan, Yukon

How to join: Open an account online, by phone, or at any CIBC banking centre.

Deposit protection: Canada Deposit Insurance Corporation

$100,000 per insured category per member institution

How deposit insurance works →

Current top rates

data as of 2026-10-16 · posted rates confirmed as of 2026-10-16
Best GIC · 5-year3.60%
Best mortgage · 5-year fixed5.34%
Prime rate4.45%
GIC ladderBest rate
1-year GIC3.00%
2-year GIC3.20%
3-year GIC3.30%
4-year GIC3.40%
5-year GIC3.60%

Base ladder rates. Institution may have more term rates below.

GIC rate history

Best historical posted GIC rate by term

Term
Latest2.00%Oct 16, 2026
Last change0.00%Oct 16, 2026
High2.00%Jul 16, 2026
Low2.00%Jul 16, 2026
3.50%2.75%2%1.25%0.50%Jul 26Aug 26Sep 26Oct 26

Tracked since Jul 16, 2026 · 34 snapshots

Term deposit rates

Highlighted rows are promo rates— not stated on sitedata as of 2026-10-16 · posted rates confirmed as of 2026-10-16
Filter rates
TermRegistrationRedeemableCompoundingInterest paidMin–Max depositRate
Short-term — under 1 year
9 – 11 monthsRRSPY—At maturity$25+ reg0.10%
CIBC Bonus Rate GICNon-redeemable · paid at maturity · tiered by deposit
30 daysNon-regN—At maturity$5k – $999,9992.00%
90 daysNon-regN—At maturity$1k – $999,9992.10%
180 daysNon-regN—At maturity$1k – $999,9992.50%
270 daysNon-regN—At maturity$1k – $999,9992.60%
CIBC Non-Redeemable GICNon-redeemable · paid at maturity
1 – 2 monthsRRSPRDSPRRIFTFSAFHSAN—At maturity—2.00%
3 – 5 monthsRRSPRDSPRRIFTFSAFHSAN—At maturity—2.10%
6 – 8 monthsRRSPRDSPRRIFTFSAFHSAN—At maturity—2.50%
9 – 11 monthsRDSPRRIFTFSAFHSAN—At maturity—2.60%
CIBC Short-Term GIC - Non-registeredNon-redeemable · simple interest · paid at maturity · tiered by deposit
30 – 59 daysNon-regN—At maturity$5k – $999,9990.05%
60–179 daysNon-regN—At maturity$1k – $999,9990.05%
180 – 269 daysNon-regN—At maturity$1k – $999,9990.10%
270 – 364 daysNon-regN—At maturity$1k – $999,9990.15%
CIBC LIF GICNon-redeemable · paid at maturity
2 – 4 monthsLIFN—At maturity—0.05%
5 monthsLIFN—At maturity—0.10%
6 – 10 monthsLIFN—At maturity—0.15%
CIBC Redeemable GIC - Non-registeredRedeemable · simple interest · tiered by deposit
30 – 59 daysNon-regY—At maturity$5k – $999,9990.05%
60–269 daysNon-regY—At maturity$1k – $999,9990.05%
270 – 364 daysNon-regY—At maturity$1k – $999,9990.10%
CIBC RRIF GICNon-redeemable · paid at maturity
2 – 4 monthsRRIFN—At maturity—0.05%
5 monthsRRIFN—At maturity—0.10%
6 – 10 monthsRRIFN—At maturity—0.15%
CIBC RRSP GIC (Non-Redeemable)Non-redeemable · simple interest · paid at maturity
2 – 4 monthsRRSPN—At maturity—0.05%
5 – 8 monthsRRSPN—At maturity—0.10%
9 – 10 monthsRRSPN—At maturity—0.15%
CIBC RRSP GIC (Redeemable)Redeemable · simple interest · paid at maturity
2 – 4 monthsRRSPY—At maturity—0.05%
5 – 8 monthsRRSPY—At maturity—0.05%
9 – 10 monthsRRSPY—At maturity—0.10%
CIBC TFSA GIC (Non-Redeemable)Non-redeemable · paid at maturity
2 – 4 monthsTFSAN—At maturity—0.05%
5 – 8 monthsTFSAN—At maturity—0.10%
9 – 10 monthsTFSAN—At maturity—0.15%
CIBC TFSA GIC (Redeemable)Redeemable · compounds annually
2 – 4 monthsTFSAY—At maturity—0.10%
5 – 8 monthsTFSAY—At maturity—0.10%
9 – 10 monthsTFSAYAnnuallyMonthly—0.10%
CIBC Save-Up GIC - Non-registeredNon-redeemable · simple interest · paid at maturity
30–90 daysNon-regN—At maturity—0.05%
CIBC T-Bill Rate GIC - Non-registeredNon-redeemable · paid at maturity · $25k to $199k
90 – 100 daysNon-regN—At maturity$25k – $199k0.15%
Long-term — 1 year +
18 – 22 monthsRRSPNAnnuallyAt maturity$25+ reg2.00%
18 – 22 monthsTFSANAnnuallyMonthly$500+ reg2.00%
30 – 35 monthsRRSPYAnnuallyAt maturity$25+ reg0.25%
35 – 46 monthsRRSPNAnnuallyAt maturity$25+ reg2.10%
47 – 58 monthsRRSPNAnnuallyAt maturity$25+ reg2.20%
CIBC Long-Term GIC - Non-registeredNon-redeemable · simple interest · $1k to $999,999,999
12 – 16 monthsNon-regN—Annually$1k – $999,999,9992.00%
17 monthsNon-regN—At maturity$1k – $999,999,9992.00%
18 – 23 monthsNon-regN—Annually$1k – $999,999,9992.00%
24 – 29 monthsNon-regN—Annually$1k – $999,999,9992.00%
30 – 35 monthsNon-regN—Annually$1k – $999,999,9992.00%
36 – 41 monthsNon-regN—Annually$1k – $999,999,9992.10%
42 – 47 monthsNon-regN—Annually$1k – $999,999,9992.10%
48 – 53 monthsNon-regN—Annually$1k – $999,999,9992.20%
54 – 59 monthsNon-regN—Annually$1k – $999,999,9992.20%
60 – 65 monthsNon-regN—Annually$1k – $999,999,9992.20%
66 – 71 monthsNon-regN—Annually$1k – $999,999,9992.20%
72 – 77 monthsNon-regN—Annually$1k – $999,999,9992.20%
78 – 83 monthsNon-regN—Annually$1k – $999,999,9992.20%
7 yearsNon-regN—Annually$1k – $999,999,9992.20%
CIBC Non-Redeemable GICNon-redeemable · paid at maturity
1 yearRRSPRDSPRRIFTFSAFHSAN—At maturity—3.00%
13 – 14 monthsRRSPRDSPRRIFTFSAFHSAN—At maturity—3.00%
15 – 17 monthsRRSPRDSPRRIFTFSAFHSAN—At maturity—3.00%
18 monthsRDSPRRIFFHSAN—At maturity—3.10%
19 – 23 monthsRRSPRDSPRRIFTFSAFHSAN—At maturity—3.10%
2 yearsRRSPRDSPRRIFTFSAFHSAN—At maturity—3.20%
25 – 29 monthsRRSPRDSPRRIFTFSAFHSAN—At maturity—3.20%
30 – 35 monthsRDSPRRIFTFSAFHSAN—At maturity—3.20%
3 yearsRDSPRRIFTFSAFHSAN—At maturity—3.30%
37 – 47 monthsRRSPRDSPRRIFTFSAFHSAN—At maturity—3.30%
4 yearsRDSPRRIFTFSAFHSAN—At maturity—3.40%
49 – 59 monthsRRSPRDSPRRIFTFSAFHSAN—At maturity—3.40%
5 yearsRRSPRDSPRRIFTFSAFHSAN—At maturity—3.60%
CIBC Redeemable GIC - Non-registeredRedeemable · simple interest · tiered by deposit
12 – 17 monthsNon-regY—Annually$1k – $999,9990.20%
18 – 23 monthsNon-regY—Annually$1k – $999,9990.20%
24 – 29 monthsNon-regY—Annually$1k – $999,9990.25%
30 – 35 monthsNon-regY—Annually$1k – $999,9990.25%
36 – 41 monthsNon-regY—Annually$1k – $999,9990.35%
42 – 47 monthsNon-regY—Annually$1k – $999,9990.35%
48 – 53 monthsNon-regY—Annually$1k – $999,9990.55%
54 – 59 monthsNon-regY—Annually$1k – $999,9990.55%
60 – 65 monthsNon-regY—Annually$1k – $999,9990.70%
66 – 71 monthsNon-regY—Annually$1k – $999,9990.70%
72 – 77 monthsNon-regY—Annually$1k – $999,9990.70%
78 – 83 monthsNon-regY—Annually$1k – $999,9990.70%
7 yearsNon-regY—Annually$1k – $999,9990.90%
CIBC Bonus Rate GICNon-redeemable · paid at maturity · tiered by deposit
1 yearNon-regN—At maturity$1k – $4,9993.00%
1 yearNon-regN—At maturity$1k – $999,9992.45%
14 monthsNon-regN—At maturity$1k – $999,9992.45%
17 monthsNon-regN—At maturity$1k – $999,9992.45%
18 monthsNon-regN—At maturity$1k – $999,9992.50%
2 yearsNon-regN—At maturity$1k – $999,9993.20%
2 yearsNon-regN—At maturity$1k – $999,9992.55%
25 monthsNon-regN—At maturity$1k – $999,9992.55%
30 monthsNon-regN—At maturity$1k – $999,9992.55%
3 yearsNon-regN—At maturity$1k – $999,9992.60%
4 yearsNon-regN—At maturity$1k – $999,9992.70%
5 yearsNon-regN—At maturity$1k – $999,9992.75%
CIBC TFSA GIC (Non-Redeemable)Non-redeemable · paid at maturity
11 – 13 monthsTFSAN—At maturity—2.00%
14 – 17 monthsTFSAN—At maturity—2.00%
18 – 22 monthsTFSAN—At maturity—2.00%
23 – 25 monthsTFSAN—At maturity—2.00%
26 – 29 monthsTFSAN—At maturity—2.00%
30 – 34 monthsTFSAN—At maturity—2.00%
35 – 46 monthsTFSAN—At maturity—2.10%
47 – 49 monthsTFSAN—At maturity—2.20%
50 – 58 monthsTFSAN—At maturity—2.20%
59 – 60 monthsTFSAN—At maturity—2.20%
CIBC RRSP GIC (Non-Redeemable)Non-redeemable · simple interest · paid at maturity
11 – 13 monthsRRSPN—At maturity—2.00%
14 – 17 monthsRRSPN—At maturity—2.00%
18 – 22 monthsRRSPN—At maturity—2.00%
23 – 25 monthsRRSPN—At maturity—2.00%
26 – 29 monthsRRSPN—At maturity—2.00%
30 – 34 monthsRRSPN—At maturity—2.00%
35 – 46 monthsRRSPN—At maturity—2.10%
47 – 58 monthsRRSPN—At maturity—2.20%
59 – 60 monthsRRSPN—At maturity—2.20%
CIBC LIF GICNon-redeemable · paid at maturity
11 – 13 monthsLIFN—At maturity—2.00%
14 – 17 monthsLIFN—At maturity—2.00%
18 – 22 monthsLIFN—At maturity—2.00%
23 – 29 monthsLIFN—At maturity—2.00%
30 – 34 monthsLIFN—At maturity—2.00%
35 – 46 monthsLIFN—At maturity—2.10%
47 – 58 monthsLIFN—At maturity—2.20%
59 – 60 monthsLIFN—At maturity—2.20%
CIBC RRIF GICNon-redeemable · paid at maturity
11 – 13 monthsRRIFN—At maturity—2.00%
14 – 17 monthsRRIFN—At maturity—2.00%
18 – 22 monthsRRIFN—At maturity—2.00%
23 – 29 monthsRRIFN—At maturity—2.00%
30 – 34 monthsRRIFN—At maturity—2.00%
35 – 46 monthsRRIFN—At maturity—2.10%
47 – 58 monthsRRIFN—At maturity—2.20%
59 – 60 monthsRRIFN—At maturity—2.20%
CIBC RRSP GIC (Redeemable)Redeemable · simple interest · paid at maturity
11 – 13 monthsRRSPY—At maturity—0.20%
14 – 17 monthsRRSPY—At maturity—0.20%
18 – 22 monthsRRSPY—At maturity—0.20%
23 – 25 monthsRRSPY—At maturity—0.25%
26 – 29 monthsRRSPY—At maturity—0.25%
30 – 34 monthsRRSPY—At maturity—0.25%
35 – 36 monthsRRSPY—At maturity—0.35%
CIBC TFSA GIC (Redeemable)Redeemable · compounds annually
11 – 13 monthsTFSAYAnnuallyMonthly—0.20%
14 – 17 monthsTFSAYAnnuallyMonthly—0.20%
18 – 22 monthsTFSAYAnnuallyMonthly—0.20%
23 – 25 monthsTFSAY—At maturity—0.25%
26 – 29 monthsTFSAY—At maturity—0.25%
30 – 34 monthsTFSAYAnnuallyMonthly—0.25%
35 – 36 monthsTFSAYAnnuallyMonthly—0.35%
CIBC Bonus Rate TFSA GICNon-redeemable · paid at maturity
1 yearTFSAN—At maturity—3.00%
1 yearTFSAN—At maturity—2.45%
2 yearsTFSAN—At maturity—2.55%
3 yearsTFSAN—At maturity—2.60%
4 yearsTFSAN—At maturity—2.70%
5 yearsTFSAN—At maturity—2.75%
CIBC EasyBuilder GICNon-redeemable · paid at maturity · $500 to $999,999
1 yearNon-regN—At maturity$500 – $999,9993.00%
2 yearsNon-regN—At maturity$500 – $999,9993.20%
3 yearsNon-regN—At maturity$500 – $999,9993.30%
4 yearsNon-regN—At maturity$500 – $999,9993.40%
5 yearsNon-regN—At maturity$500 – $999,9993.60%
CIBC Bonus Rate RRSP GICNon-redeemable · paid at maturity
1 yearRRSPN—At maturity—2.45%
2 yearsRRSPN—At maturity—3.20%
2 yearsRRSPN—At maturity—2.55%
5 yearsRRSPN—At maturity—2.75%
CIBC Flexible
1 yearTFSANAnnuallyAt maturity—2.00%
1 yearRRSPN—Annually—2.00%
365 – 375 daysNon-regY—Annually$1k – $999,9992.15%
365 – 375 daysNon-regY—Annually$1k – $999,999,9992.00%
CIBC Bonus Rate LIF GICNon-redeemable · paid at maturity
1 yearLIFN—At maturity—2.45%
2 yearsLIFN—At maturity—2.55%
5 yearsLIFN—At maturity—2.75%
CIBC Bonus Rate RRIF GICNon-redeemable · paid at maturity
1 yearRRIFN—At maturity—2.45%
2 yearsRRIFN—At maturity—2.55%
5 yearsRRIFN—At maturity—2.75%
CIBC Redeemable GICRedeemable · simple interest · paid annually
1 yearRRSPRESPRDSPRRIFTFSAFHSAY—Annually—2.15%
CIBC Variable Rate GICNon-redeemable · paid at maturity · $1k to $999,999,999
1 yearNon-regN—At maturity$1k – $999,999,9991.75%
U.S. dollar — all terms
CIBC USD Non-Redeemable GIC - Long-termNon-redeemable · paid at maturity
1 yearNon-regN—At maturity—4.00%
13 – 14 monthsNon-regN—At maturity—4.00%
15 – 17 monthsNon-regN—At maturity—4.00%
18 monthsNon-regN—At maturity—4.00%
19 – 23 monthsNon-regN—At maturity—4.00%
2 yearsNon-regN—At maturity—3.95%
25 – 29 monthsNon-regN—At maturity—3.95%
30 – 35 monthsNon-regN—At maturity—3.95%
3 yearsNon-regN—At maturity—4.00%
37 – 47 monthsNon-regN—At maturity—4.00%
4 yearsNon-regN—At maturity—4.05%
49 – 59 monthsNon-regN—At maturity—4.05%
5 yearsNon-regN—At maturity—4.10%
CIBC USD Non-Redeemable GIC - Short-termNon-redeemable · paid at maturity
1 – 2 monthsNon-regN—At maturity—2.85%
3 – 5 monthsNon-regN—At maturity—3.00%
6 – 8 monthsNon-regN—At maturity—3.10%
9 – 11 monthsNon-regN—At maturity—3.15%

Escalator GICs

rates confirmed as of 2026-10-16

The rate rises each year of the term. Yield is the effective annual yield the institution prints.

ProductYr 1Yr 2Yr 3Yr 4Yr 5Yield
3-year escalators
CIBC Escalating Rate3 years · min $500Non-regRRSPRRIFTFSALIF2.50%2.75%3.00%——2.75%
CIBC Escalating Rate GIC (3 year)3 years · min $100kNon-reg2.50%2.75%3.00%——2.75%
CIBC Escalating Rate GIC (3 year)3 years · min $250kNon-reg2.50%2.75%3.00%——2.75%
CIBC Cashable Escalating Rate GIC (3 year)3 years · cashable · min $500Non-regRRSPTFSA2.25%2.50%3.00%——2.58%
CIBC Cashable Escalating Rate GIC (3 year)3 years · cashable · min $100kNon-reg2.25%2.50%3.00%——2.58%
CIBC Cashable Escalating Rate GIC (3 year)3 years · cashable · min $250kNon-reg2.25%2.50%3.00%——2.58%
5-year escalators
CIBC Escalating Rate GIC (5 year)5 years · min $500Non-regRRSPRRIFTFSALIF2.25%2.75%3.00%3.35%3.55%2.98%
CIBC Escalating Rate GIC (5 year)5 years · min $100kNon-reg2.25%2.75%3.00%3.35%3.55%2.98%
CIBC Escalating Rate GIC (5 year)5 years · min $250kNon-reg2.25%2.75%3.00%3.35%3.55%2.98%
CIBC Cashable Escalating Rate GIC (5 year)5 years · cashable · min $500Non-regRRSPTFSA2.25%2.50%3.00%3.25%3.50%2.90%
CIBC Cashable Escalating Rate GIC (5 year)5 years · cashable · min $100kNon-reg2.25%2.50%3.00%3.25%3.50%2.90%
CIBC Cashable Escalating Rate GIC (5 year)5 years · cashable · min $250kNon-reg2.25%2.50%3.00%3.25%3.50%2.90%

Savings & chequing rates

rates confirmed as of 2026-10-16
Filter rates
TypeProductCalculatedPaidMin. balanceRate
Savings
SavingsCIBC eAdvantage Savings AccountPromo——$04.60%
SavingsCIBC eAdvantage Savings AccountPromo——$10,0004.60%
SavingsCIBC eAdvantage Savings AccountPromo——$25,0004.60%
SavingsCIBC eAdvantage Savings AccountPromo——$100,0004.60%
SavingsCIBC eAdvantage Savings AccountPromo——$500,0004.60%
SavingsCIBC eAdvantage Savings Account——$00.05%
SavingsCIBC eAdvantage Savings Account——$10,0000.30%
SavingsCIBC eAdvantage Savings Account——$25,0000.30%
SavingsCIBC eAdvantage Savings Account——$100,0000.60%
SavingsCIBC eAdvantage Savings Account——$500,0000.60%
SavingsCIBC Premium Growth Account All Balances———0.01%
USDCIBC US$ Personal AccountUS$——$00.05%
USDCIBC US$ Personal AccountUS$——$3,0000.05%
USDCIBC US$ Personal AccountUS$——$10,0000.10%
USDCIBC US$ Personal AccountUS$——$25,0000.25%
USDCIBC US$ Personal AccountUS$——$60,0000.25%
RRSP
RRSPCIBC RRSP Daily Interest Savings Account——$00.05%
RRSPCIBC RRSP Daily Interest Savings Account——$5,0000.05%
RRSPCIBC RRSP Daily Interest Savings Account——$25,0000.05%
RRSPCIBC RRSP Daily Interest Savings Account——$50,0000.05%
RRSPCIBC RRSP Daily Interest Savings Account——$100,0000.05%
RRIF
RRIFCIBC RRIF/LIF Daily Interest Savings Account (DISA)——$00.10%
RRIFCIBC RRIF/LIF Daily Interest Savings Account (DISA)——$5,0000.15%
RRIFCIBC RRIF/LIF Daily Interest Savings Account (DISA)——$25,0000.25%
RRIFCIBC RRIF/LIF Daily Interest Savings Account (DISA)——$50,0000.50%
TFSA
TFSACIBC TFSA Tax Advantage Savings Account——$00.25%
TFSACIBC TFSA Tax Advantage Savings Account——$5,0000.25%
TFSACIBC TFSA Tax Advantage Savings Account——$25,0000.25%
TFSACIBC TFSA Tax Advantage Savings Account——$50,0000.25%
TFSACIBC TFSA Tax Advantage Savings Account——$100,0000.25%
TFSACIBC TFSA Tax Advantage Savings Account——$250,0000.25%
FHSA
FHSACIBC Savings——$02.00%
LIF
LIFCIBC RRIF/LIF Daily Interest Savings Account (DISA)——$00.10%
LIFCIBC RRIF/LIF Daily Interest Savings Account (DISA)——$5,0000.15%
LIFCIBC RRIF/LIF Daily Interest Savings Account (DISA)——$25,0000.25%
LIFCIBC RRIF/LIF Daily Interest Savings Account (DISA)——$50,0000.50%

Mortgage rates

Highlighted rows are promo ratesrates confirmed as of 2026-10-16
Filter rates
TermTypeOpen / closedInsuredPosted rate
CIBC Fixed-Rate Closed MortgageFixed · closed · conventional · 1-year to 10-year terms
1-yearFixedClosedNo5.09%
1-yearFixedClosedNo5.14%
2-yearFixedClosedNo4.84%
2-yearFixedClosedNo5.24%
3-yearFixedClosedNo5.09%
3-yearFixedClosedNo6.14%
4-yearFixedClosedNo5.24%
4-yearFixedClosedNo6.19%
5-yearFixedClosedNo5.34%
5-yearFixedClosedNo6.49%
7-yearFixedClosedNo5.54%
7-yearFixedClosedNo6.30%
10-yearFixedClosedNo6.79%
CIBC High-Ratio Mortgageclosed · insured (high-ratio) · 5-year term
5-yearFixedClosedYes4.99%
5-yearFixedClosedYes6.49%
5-yearVariableClosedYes4.05%
5-yearVariableClosedYes4.45%
CIBC Variable Flex MortgageVariable · closed · conventional · 3-year to 5-year terms
3-yearVariableClosedNo4.15%
3-yearVariableClosedNo4.45%
5-yearVariableClosedNo4.20%
5-yearVariableClosedNo4.45%
CIBC Fixed-Rate Open MortgageFixed · open · conventional · 6-month to 1-year terms
6-monthFixedOpenNo10.00%
1-yearFixedOpenNo10.00%
CIBC Convertible MortgageFixed · conventional · 6-month term
6-monthFixedConvertibleNo7.55%
CIBC Variable Rate Open MortgageVariable · open · conventional · 5-year term
5-yearVariableOpenNo7.75%

Home equity line of credit

ProductPosted rate
Home Power Plan® Line of Credit4.45%

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