Personal Account Rates Popup

 

Personal Account Rates

These rates are updated when rates change. Rates are subject to change without notice. For information and to confirm most recent rates, please contact any HSBC branch.




Savings Accounts




Amount CAD High Rate Savings
on the entire balance when your daily closing balance is up to $24,999.99 0.35%
on the entire balance when your daily closing balance is between $25,000 and $49,999.99 0.65%
on the entire balance when your daily closing balance is between $50,000 and $99,999.99 0.90%
On the entire balance when your daily closing balance is $100,000.00 and over 1.00%



Interest rates are expressed on a per annum basis. Interest paid monthly and calculated on daily closing balance. Rates are subject to change without notice. For information and to confirm most recent rates, please contact any HSBC branch.



Amount USD High Rate Savings GBP High Rate Savings EUR High Rate Savings
on the entire balance when your daily closing balance is up to $24,999.99 0.05% 0.10% 0.00%
on the entire balance when your daily closing balance is between $25,000 and $49,999.99 0.15% 0.10% 0.00%
on the entire balance when your daily closing balance is between $50,000 and $99,999.99 0.20% 0.15% 0.00%
On the entire balance when your daily closing balance is $100,000.00 and over* 0.25% 0.20% 0.00%



* Note: No interest is paid on the portion of the balance in excess of $1,000,000.00 on foreign currency savings account.



Interest rates are expressed on a per annum basis. Interest paid monthly and calculated on daily closing balance. Rates are subject to change without notice. For information and to confirm most recent rates, please contact any HSBC branch.



Grandfathered - Accounts Maintained but no longer sold




Savings Accounts




Amount Regular Savings Investment Savings
On the portion of your daily closing balance over $100,000 0.05% 0.40%
On the portion of your daily closing balance between $50,000-$99,999 0.05% 0.30%
On the entire amount between $25,000-$49,999 0.05% 0.20%
On the entire amount between $5,000-$24,999 0.05% 0.10%
On the entire balance when your daily closing balance is between $0-$4,999 0.05% 0.00%



Interest rates are expressed on a per annum basis. Interest paid monthly and calculated on daily closing balance. Rates are subject to change without notice. For information and to confirm most recent rates, please contact any HSBC branch.



Amount HSBC Premier Youth Savings HSBC Advance Savings
on the entire balance when your daily closing balance is up to $24,999.99 0.35% 0.10%
on the entire balance when your daily closing balance is between $25,000 and $49,999.99 0.65% 0.30%
on the entire balance when your daily closing balance is between $50,000 and $99,999.99 0.90% 0.45%
On the entire balance when your daily closing balance is $100,000.00 and over 1.00% 0.50%



Interest rates are expressed on a per annum basis. Interest paid monthly and calculated on daily closing balance. Rates are subject to change without notice. For information and to confirm most recent rates, please contact any HSBC branch.






Chequing Accounts




On the portion of your daily closing balance HSBC Premier Chequing HSBC Advance Chequing Performance Chequing - Unlimited, Performance Chequing - Limited USD HSBC Premier Chequing, USD Performance Chequing
Rate of interest for all positive balances 0.00% 0.00% 0.00% 0.00%



Interest rates are expressed on a per annum basis. Interest, if any, is paid monthly and calculated on daily closing balance.



Rates are subject to change without notice. For information and to confirm most recent rates, please contact any HSBC branch.



Grandfathered - Accounts Maintained but no longer sold




Chequing Accounts




On the portion of your daily closing balance Performance Activity, Performance Chequing - Standard, Performance Chequing - Student, Performance 60 USD Performance Activity, USD Performance Chequing Standard, USD Performance 60
Rate of interest for all positive balances 0.00% 0.00%



Interest rates are expressed on a per annum basis. Interest, if any, is paid monthly and calculated on daily closing balance.



Rates are subject to change without notice. For information and to confirm most recent rates, please contact any HSBC branch.






Foreign Currency Savings Accounts




Currency Interest
Hong Kong Dollar 0.05%
Renminbi Savings Account 0.00%



Interest rates are expressed on a per annum basis. Interest paid monthly and calculated on daily closing balance. Rates are subject to change without notice. For information and to confirm most recent rates, please contact any HSBC branch.



Amount USD High Rate Savings GBP High Rate Savings EUR High Rate Savings
on the entire balance when your daily closing balance is up to $24,999.99 0.05% 0.10% 0.00%
on the entire balance when your daily closing balance is between $25,000 and $49,999.99 0.15% 0.10% 0.00%
on the entire balance when your daily closing balance is between $50,000 and $99,999.99 0.20% 0.15% 0.00%
On the entire balance when your daily closing balance is $100,000.00 and over* 0.25% 0.20% 0.00%



* Note: No interest is paid on the portion of the balance in excess of $1,000,000.00 on foreign currency savings account.



Interest rates are expressed on a per annum basis. Interest paid monthly and calculated on daily closing balance. Rates are subject to change without notice. For information and to confirm most recent rates, please contact any HSBC branch.



Grandfathered Savings Accounts (Accounts maintained but no longer sold)




Currency Interest
U.S. Dollar 0.05%
Swiss Franc 0.00%
British Pound 0.05%
Japanese Yen 0.00%
Euro 0.00%
Australian Dollar 0.05%



Interest rates are expressed on a per annum basis. Interest paid monthly and calculated on daily closing balance. Rates are subject to change without notice. For information and to confirm most recent rates, please contact any HSBC branch.



 

Term Investments




Guaranteed Investment Certificates




Term Length Monthly Interest (min. $5000) Semi-annual Interest (min. $1000) Annual Interest (min. $1000) Annual Compound Interest (min. $1000) Interest at Maturity (min. $5000)
30 Days - - - - 0.20%
60 Days - - - - 0.35%
90 Days 0.20% - - - 0.45%
120 Days 0.20% - - - 0.45%
180 Days 0.30% - - - 0.55%
270 Days 0.35% - - - 0.60%
1 year 0.75% 0.875% 1.00% 1.00% 1.00%
2 years 1.00% 1.125% 1.25% 1.25% -
3 years 1.10% 1.225% 1.35% 1.35% -
4 years 1.25% 1.375% 1.50% 1.50% -
5 years 1.35% 1.475% 1.60% 1.60% -



For non-compounded interest option, interest is calculated daily, non-compounded and paid at the interval as opted by you (which may be monthly, semi-annually, annually or at maturity). For compounded interest option, interest is calculated daily, compounded annually and paid at maturity. No early redemption.



Select Term Deposits and GICs booked through HSBC's Internet Banking may be eligible for special pricing. Log on to Internet Banking for more details.



Rates are subject to change without notice. For information and to confirm most recent rates, please contact any HSBC branch.






Redeemable GIC




Term Length Interest Rate (min. $1000)
Available for 1 year term only. 0.65%



Redeemable on or after 90 days with no interest penalty. Redeemable at 0% interest during the first 89 days. Interest is calculated daily, non-compounded and paid at time of redemption or at maturity.



Select Term Deposits and GICs booked through HSBC's Internet Banking may be eligible for special pricing. Log on to Internet Banking for more details.



Rates are subject to change without notice. For information and to confirm most recent rates, please contact any HSBC branch.






Foreign Currency Term Deposits




Ask us about our foreign currency term deposits (minimum deposit $100,000 Canadian equivalent) if you wish to earn a guaranteed rate of interest on your other foreign funds.






Canadian Dollar Term Deposits




Term Length Monthly Interest (min. $5000) Semi-annual or Annual Interest (min. $1000) Maturity Interest (min. $5000)
30 days - - 0.15%
60 days - - 0.20%
90 days 0.150% - 0.20%
120 days 0.200% - 0.25%
180 days 0.350% - 0.40%
270 days 0.350% - 0.40%
1 year 0.475% 0.60% 0.60%
2 years 0.775% 0.90% -
3 years 0.825% 0.95% -
4 years 1.025% 1.15% -
5 years 1.075% 1.20% -



Redeemable prior to maturity with no interest paid. Interest is calculated daily, not compounded and is paid at the interval as opted by you (which may be monthly, semi-annually, annually or at maturity). Rates available on request for deposits of $100,000 or more.



Select Term Deposits and GICs booked through HSBC's Internet Banking may be eligible for special pricing. Log on to Internet Banking for more details.



Rates are subject to change without notice. For information and to confirm most recent rates, please contact any HSBC branch.






U.S. Dollar Term Deposits




Term Length Maturity Interest
30 days 0.25%
60 days 0.30%
90 days 0.40%
120 days 0.45%
180 days 0.55%
270 days 0.60%
1 year 0.65%



Redeemable prior to maturity with no interest paid. Interest is calculated daily, not compounded and paid at maturity. Rates available on request for deposits over $100,000.



Select Term Deposits and GICs booked through HSBC's Internet Banking may be eligible for special pricing. Log on to Internet Banking for more details.



Rates are subject to change without notice. For information and to confirm most recent rates, please contact any HSBC branch.






 

Registered Plans (TFSA, RRSP and RRIF products)




TFSA High Rate Savings Account




Amount Interest Rate **
On the entire balance when your daily closing balance is up to $49,999.99 0.80%
On the entire balance when your daily closing balance is between $50,000 and $99,999.99 0.80%
On the entire balance when your daily closing balance is $100,000.00 and over * 0.80%



* No interest is paid on the portion of the balance in excess of $1,000,000.00.
** Interest paid monthly and calculated on daily closing balance.



HSBC Advance TFSA - Effective October 1, 2013, the HSBC Advance Tax Free Savings Account is no longer being offered.




Amount Interest Rate **
On the entire balance when your daily closing balance is between $0 and $1,000,000.00 * 0.80%



* No interest is paid on the portion of the balance in excess of $1,000,000.00.
** Interest paid monthly and calculated on daily closing balance.



TFSA Redeemable GIC




Term Length Interest Rate
1 year term only (min. $1,000) 0.65%



Redeemable on or after 90 days with no interest penalty. No interest paid if redeemed within 1-89 days. Interest is calculated daily, non-compounded and paid at time of redemption or at maturity.
Select Term Deposits and GICs booked through HSBC's Internet Banking may be eligible for special pricing. Log on to Internet Banking for more details.



TFSA Term Deposits




Short Term Monthly Interest (min. $5,000) Interest at maturity (min. $5,000)
30 days - 0.20%
60 days - 0.35%
90 days 0.20% 0.45%
120 days 0.20% 0.45%
180 days 0.30% 0.55%
270 days 0.35% 0.60%



Long Term Monthly Interest (min. $5,000) Semi-annual or Annual Interest (min. $1000)
1 year 0.75% 1.00%
2 years 1.00% 1.25%
3 years 1.10% 1.35%
4 years 1.25% 1.50%
5 years 1.35% 1.60%



Redeemable prior to maturity receive no interest. Interest is not compounded and is paid at the interval as opted by you (which may be monthly, semi-annually, annually or at maturity). Rates available on request for deposits of $100,000 or more.
Select Term Deposits and GICs booked through HSBC's Internet Banking may be eligible for special pricing. Log on to Internet Banking for more details.






RRSP & RRIF Fixed Rate Options (Annual Compound Interest)




Term Length $49,999 and less $50,000 and over
6-11 months 0.55% 0.55%
12-17 months 1.00% 1.00%
18-23 months 1.00% 1.00%
24-29 months 1.25% 1.25%
30-35 months 1.25% 1.25%
36-41 months 1.35% 1.35%
42-47 months 1.35% 1.35%
48-53 months 1.50% 1.50%
54-59 months 1.50% 1.50%
60 months 1.60% 1.60%



$500 mimimum deposit. For RRSPs, redeemable prior to maturity with no interest paid. For RRIFs, redeemable before maturity at a competitive early redemption rate and no interest is paid if redeemed prior to maturity for the purpose of transferring the funds to another bank. Interest is calculated daily, paid on the anniversary date of issue and compounded annually at the fixed rate for terms greater than one year. For terms less than one year, interest is calculated daily, non-compounded and paid at maturity.



Rates are subject to change without notice. For information and to confirm most recent rates, please contact any HSBC branch.






HSBC RRSP Ascending Rate GICâ„¢




Year Issue Rate Redemption Rate
Year 1 0.75% 0.00%
Year 2 0.90% 0.00%
Year 3 1.20% 1.20%
Year 4 1.70% 1.70%
Year 5 3.50% 3.50%
5 Year yield 1.61% -



$500 minimum deposit. No penalties if redeemed on the 3rd or 4th anniversary dates or on the Maturity Date. No interest paid on redemptions during the 1st and 2nd year. Interest is calculated daily. When held until maturity, you will receive the Issue Rate of interest for each applicable year compounded annually, on the anniversary date (or next business day).



Rates are subject to change without notice. For information and to confirm most recent rates, please contact any HSBC branch.



HSBC RRSP Ascending Rate GICâ„¢ is a registered trade-mark of HSBC Holdings plc. Used pursuant to license.






RRSP & RRIF Savings Option




On the entire amount when your daily closing balance is: Current Rate
Between $0 - $49,999 0.20%
Between $50,000 - $99,999 0.25%
Between $100,000 - $1,000,000 0.50%



No minimum deposit. Interest calculated daily and paid monthly. Interest is calculated up to the balance of $1,000,000 only, no interest will be paid on any portion over the balance of $1,000,000.



Rates are subject to change without prior notice. For information and to confirm most recent rates, please contact any HSBC branch.






 

Residential First Mortgage Rates - Offered by HSBC Bank Canada




Fixed Rate Mortgages




Open Term Rate Closed Term Rate
6 months 6.20% 6 months 4.45%
1 year 6.35% 1 year 3.14%
2 year 3.14%
3 year 3.39%
4 year 4.09%
5 year 4.64%
7 year 5.44%
10 year 6.04%






Posted Variable Rate Mortgages**




Open Term Rate
3 year 4.70%



Closed Term Rate
5 year 3.30%






Prime Rate / US Base Rate




Prime Rate US Base Rate
Rate per annum 3.20% 4.75%






HSBC Trust Company (Canada)




Grandfathered Accounts Maintained but no longer sold




RRSP & RRIF Fixed Rate Options (Annual Compound Interest)




Term Length $49,999 and less $50,000 and over
6-11 months 0.55% 0.55%
12-17 months 1.00% 1.00%
18-23 months 1.00% 1.00%
24-29 months 1.25% 1.25%
30-35 months 1.25% 1.25%
36-41 months 1.35% 1.35%
42-47 months 1.35% 1.35%
48-53 months 1.50% 1.50%
54-59 months 1.50% 1.50%
60 months 1.60% 1.60%



For RRSPs, redeemable prior to maturity with no interest paid. For RRIFs, redeemable before maturity at a competitive early redemption rate and no interest is paid if redeemed prior to maturity for the purpose of transferring the funds to another bank. Interest is calculated daily, paid on the anniversary date of issue and compounded annually at the fixed rate for terms greater than one year. For terms less than one year, interest is calculated daily, non-compounded and paid at maturity.






HSBC Trust Company (Canada)




Grandfathered Accounts Maintained but no longer sold




RRSP & RRIF Savings Option




On the entire amount when your daily closing balance is: Current Rate
Between $0 - $49,999 0.20%
Between $50,000 - $99,999 0.25%
Between $100,000 - $1,000,000 0.50%



Interest calculated daily and paid monthly. Interest is calculated up to the balance of $1,000,000 only, no interest will be paid on any portion over the balance of $1,000,000.