Compare all banking rates from CIBC. Find the best TFSA, HISA, and GIC rates with competitive terms and CDIC protection.
| Product | Rate | Term | Min Deposit | Action |
|---|---|---|---|---|
|
HISA Account
Promo Rate
|
4.90% | Ongoing | $0 | Apply Now |
|
CIBC Bonus Rate GIC 5 Years GIC
|
3.22% | 5 years | $1,000 | Apply Now |
|
CIBC Bonus Rate GIC 2 Years GIC
|
3.10% | 2 years | $1,000 | Apply Now |
|
CIBC Bonus Rate GIC 1 Year GIC
|
3.00% | 1 year | $1,000 | Apply Now |
|
CIBC Bonus Rate GIC 3 Years GIC
|
2.75% | 3 years | $1,000 | Apply Now |
CIBC positions itself strategically across Canadian savings products
CIBC offers HISA rates 2.29% above market average
Excellent choice for HISA savers seeking premium returns
CIBC offers competitive GIC rates
Solid choice with other banking benefits beyond just rates
Moderate rate environment in 2026 emphasizes the importance of choosing the right products and institutions
Q1 typically sees banks adjusting rates following year-end policy changes
Based on current trends and economic indicators, savers should focus on securing competitive rates while maintaining flexibility for potential market changes in 2027.
Starting career, building emergency fund, saving for first home
Peak earning years, saving for children's education and retirement
Maximizing retirement savings, reducing risk, preserving capital
CIBC consistently offers above-market rates, making it an excellent choice for rate-conscious savers in 2026.
As a CDIC member, CIBC provides government-backed deposit insurance up to $100,000 per depositor, ensuring your savings are protected.
Start with CIBC's CIBC eAdvantage® Savings Account at 4.90%
This is CIBC's most competitive offering and can be opened online in minutes.
Lock in CIBC's current rates before potential market changes
Interest rate environment in 2026 may shift - secure competitive rates now.
CIBC is one of Canada's Big Six banks, offering comprehensive banking services and competitive rates.
CIBC offers a variety of products including TFSAs, High Interest Savings Accounts (HISAs), and GICs with competitive rates.
Yes, CIBC is a CDIC member institution, providing deposit protection up to $100,000 per depositor.
Use our comparison tools to see how CIBC rates stack up against other Canadian banks across all product types.
CIBC's minimum deposits vary by product type. Check individual product pages for specific requirements.
You can open an account with CIBC by visiting their website, calling their customer service, or visiting a branch location.