Compare all banking rates from Laurentian Bank. Find the best TFSA, HISA, and GIC rates with competitive terms and CDIC protection.

Compare All Bank Rates

💰 Laurentian Bank Banking Rates

Product Rate Term Min Deposit Action
Laurentian Bank High Interest Savings Account
Promo Rate 		3.20% Ongoing $0 Apply Now
HISA Account
 1.00% Ongoing $0 Apply Now

📊 Market Position Analysis

Laurentian Bank positions itself strategically across Canadian savings products

HISA Performance

Market Leader

Laurentian Bank offers HISA rates 0.46% above market average

Excellent choice for HISA savers seeking premium returns

Key Competitive Strengths

  • Leading HISA rates
  • CDIC deposit protection

📈 Rate Trends & Analysis

Moderate rate environment in 2025 emphasizes the importance of choosing the right products and institutions

Year-end period often features competitive rate offerings as banks position for the new year

HISA Analysis

Available Rates: 1
Top Rate: 2.20%
Average: 2.20%
HISA rates remain competitive in current market conditions

📅 Market Outlook

Based on current trends and economic indicators, savers should focus on securing competitive rates while maintaining flexibility for potential market changes in 2026.

👥 Customer Scenarios & Recommendations

Young Professional (25-35)

Starting career, building emergency fund, saving for first home

Recommended Products
  • High-interest savings for emergency fund

SAMPLE CALCULATION

Initial: $10,000
Timeline: 3 years
Return: $674
Timeline: 1-5 years
Risk: Low to Moderate

Mid-Career Family (35-50)

Peak earning years, saving for children's education and retirement

Recommended Products
  • TFSA for flexibility
  • RRSP for tax deductions
  • RESP for children's education

SAMPLE CALCULATION

Initial: $25,000
Timeline: 5 years
Return: $2,873
Timeline: 10-20 years
Risk: Moderate

Pre-Retiree (50-65)

Maximizing retirement savings, reducing risk, preserving capital

Recommended Products
  • Conservative portfolio allocation

SAMPLE CALCULATION

Initial: $50,000
Timeline: 2 years
Return: $2,224
Timeline: 5-15 years
Risk: Conservative

🧮 Real Return Calculations

$1,000
1 year @ 2.20%
Total Return: $22
Final Amount: $1,022
Even smaller amounts benefit from competitive rates over time
$1,000
3 years @ 2.20%
Total Return: $67
Final Amount: $1,067
Even smaller amounts benefit from competitive rates over time
$1,000
5 years @ 2.20%
Total Return: $114
Final Amount: $1,114
Even smaller amounts benefit from competitive rates over time
$5,000
1 year @ 2.20%
Total Return: $110
Final Amount: $5,110
Even smaller amounts benefit from competitive rates over time
$5,000
3 years @ 2.20%
Total Return: $337
Final Amount: $5,337
Even smaller amounts benefit from competitive rates over time
$5,000
5 years @ 2.20%
Total Return: $574
Final Amount: $5,574
Even smaller amounts benefit from competitive rates over time
Calculations assume compound interest. Actual returns may vary based on specific product terms.

💡 Expert Insights

As a CDIC member, Laurentian Bank provides government-backed deposit insurance up to $100,000 per depositor, ensuring your savings are protected.

🎯 Actionable Recommendations

Rate Optimization

Easy

Start with Laurentian Bank's Laurentian Bank High Interest Savings Account at 2.20%

This is Laurentian Bank's most competitive offering and can be opened online in minutes.

Impact: Immediate

Market Timing

Easy

Lock in Laurentian Bank's current rates before potential market changes

Interest rate environment in 2025 may shift - secure competitive rates now.

Impact: Medium-term

About Laurentian Bank

Laurentian Bank is a Quebec-based bank offering competitive rates and personalized service.

Bank Details

Key Features

  • Quebec expertise
  • Personalized service
  • Competitive rates
  • Mobile banking

Available Banking Products

HISA

High Interest Savings Account

2 rates available

View Details →

❓ Frequently Asked Questions

What banking products does Laurentian Bank offer?

Laurentian Bank offers a variety of products including TFSAs, High Interest Savings Accounts (HISAs), and GICs with competitive rates.

Is Laurentian Bank CDIC insured?

Yes, Laurentian Bank is a CDIC member institution, providing deposit protection up to $100,000 per depositor.

How do Laurentian Bank rates compare to other banks?

Use our comparison tools to see how Laurentian Bank rates stack up against other Canadian banks across all product types.

What are Laurentian Bank's minimum deposit requirements?

Laurentian Bank's minimum deposits vary by product type. Check individual product pages for specific requirements.

How can I open an account with Laurentian Bank?

You can open an account with Laurentian Bank by visiting their website, calling their customer service, or visiting a branch location.

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