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

💰 National Bank Banking Rates

Product Rate Term Min Deposit Action
National Bank GICs
2.80% Ongoing $0 Apply Now
National Bank Cash Advantage Solution TFSA
2.75% Ongoing $0 Apply Now
HISA Account
0.75% Ongoing $0 Apply Now
National Bank of Canada High-interest Savings Account
0.75% Ongoing $0 Apply Now
National Bank of Canada High interest savings Account
0.75% Ongoing $0 Apply Now

📊 Market Position Analysis

National Bank positions itself strategically across Canadian savings products

TFSA Performance

Competitive

National Bank offers competitive TFSA rates

Solid choice with other banking benefits beyond just rates

HISA Performance

Competitive

National Bank offers competitive HISA rates

Solid choice with other banking benefits beyond just rates

Key Competitive Strengths

  • 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

TFSA Analysis

Available Rates: 1
Top Rate: 2.75%
Average: 2.75%
TFSA rates remain competitive in current market conditions

HISA Analysis

Available Rates: 1
Top Rate: 0.75%
Average: 0.75%
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
  • TFSA at 2.75%
  • High-interest savings for emergency fund

SAMPLE CALCULATION

Initial: $10,000
Timeline: 3 years
Return: $847
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: $3,631
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: $2,787
Timeline: 5-15 years
Risk: Conservative

🧮 Real Return Calculations

$1,000
1 year @ 2.75%
Total Return: $27
Final Amount: $1,027
Even smaller amounts benefit from competitive rates over time
$1,000
3 years @ 2.75%
Total Return: $84
Final Amount: $1,084
Even smaller amounts benefit from competitive rates over time
$1,000
5 years @ 2.75%
Total Return: $145
Final Amount: $1,145
Even smaller amounts benefit from competitive rates over time
$5,000
1 year @ 2.75%
Total Return: $137
Final Amount: $5,137
Even smaller amounts benefit from competitive rates over time
$5,000
3 years @ 2.75%
Total Return: $423
Final Amount: $5,423
Even smaller amounts benefit from competitive rates over time
$5,000
5 years @ 2.75%
Total Return: $726
Final Amount: $5,726
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, National Bank provides government-backed deposit insurance up to $100,000 per depositor, ensuring your savings are protected.

🎯 Actionable Recommendations

Rate Optimization

Easy

Start with National Bank's National Bank Cash Advantage Solution TFSA at 2.75%

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

Impact: Immediate

Account Strategy

Moderate

Use National Bank's TFSA for tax-free growth, HISA for emergency funds

Maximize tax efficiency while maintaining liquidity for unexpected expenses.

Impact: Long-term

Market Timing

Easy

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

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

Impact: Medium-term

About National Bank

National Bank is a major Quebec-based bank with competitive rates and strong regional presence.

Bank Details

  • Established: 1859
  • Headquarters: Montreal, Quebec
  • CDIC Member: Yes
  • Website: https://www.nbc.ca

Key Features

  • Quebec expertise
  • Competitive rates
  • Regional focus
  • Mobile banking

Available Banking Products

TFSA

Tax-Free Savings Account

1 rate available

View Details →

HISA

High Interest Savings Account

3 rates available

View Details →

GIC

Guaranteed Investment Certificate

1 rate available

View Details →

❓ Frequently Asked Questions

What banking products does National Bank offer?

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

Is National Bank CDIC insured?

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

How do National Bank rates compare to other banks?

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

What are National Bank's minimum deposit requirements?

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

How can I open an account with National Bank?

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

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