Notes: Rates are annual and can change at any time. Rates apply to Registered (TFSA, RRSP, or FHSA eligible) and non-registered accounts.All listed institutions are CDIC-insured or provincially insured, with coverage limits varying by jurisdiction. Several online divisions of provincial credit unions, including Saven Financial, Hubert Financial and Achieva Financial, accept deposits from residents across Canada, despite being provincially regulated and insured. *Promo rates are typically rates that lenders offer for a limited time frame (e.g., three months), after which the rate drops significantly.