Get Manulife Bank’s best rates for high-interest bank accounts, mortgages, credit cards, loans and GICs.

Special rates

Current rates

Manulife One is an all-in-one mortgage that simplifies your banking by combining your mortgage with your bank accounts, short-term savings, income, and other debts. Learn more about Manulife One.

Manulife One Base Rate 5.30%
Variable-rate sub-account terms2 APR (%)1
5-year open (Base Rate plus 0%) 5.30%
Fixed-rate sub-account terms3 APR (%)1
6-month closed 4.45%
1-year open 5.70%
1-year closed 4.59%
2-year closed 4.99%
3-year closed 5.14%
4-year closed 5.39%
5-year closed 5.64%
7-year closed 5.99%
10-year closed 6.24%
Interest rate for positive account balances 1.00%

Manulife Bank Select is a traditional mortgage that lets you divide your mortgage into different portions, each with its own amount, interest rate, term, and payment schedule. Learn more about Manulife Bank Select.

Manulife Bank Prime Rate4 4.70%
Variable-rate terms5 APR (%)1
5-year closed (Manulife Bank prime + 0.00%) 4.70%
5-year open (Manulife Bank prime + 1.00%) 5.70%
Fixed-rate terms6 APR (%)1
6-month closed 4.45%
1-year open 5.70%
1-year closed 4.59%
2-year closed 4.99%
3-year closed 5.14%
4-year closed 5.39%
5-year closed 5.64%
7-year closed 5.99%
10-year closed 6.24%
Manulife Bank Select bank account interest rate 1.00%

Preferred Rate Mortgage

Terms *APR[%]
6-month closed 4.45%
1-year open 5.70%
1-year closed 4.59%
2-year closed 4.99%
3-year closed 5.14%
4-year closed 5.39%
5-year closed 5.64%
7-year closed 5.99%
10-year closed 6.24%

*Annual Percentage Rate (APR) is the total cost of borrowing provided as an annual percentage, which includes our current interest rate and charges such as appraisal costs and legal fees. If there are no charges applicable to a mortgage, such as on a transfer of your mortgage to Manulife Trust, then the APR will be as stated on this page, which is our current interest rate. If charges are included in your cost of borrowing as on a new home purchase then the APR will be slightly higher than stated. Interest is compounded semi-annually, not in advance.

Advantage Account rates1

Advantage Account 1.50%
US$ Advantage Account 0.20%
Tax-Free Advantage Account 1.00%
Registered Advantage Account 1.00%
Retirement Income Advantage Account 1.00%
Business Advantage Account 1.25%
Business Advantage Account - Additional Promotional Rate 1.00%*
US$ Business Advantage Account 0.20%
All-In Banking Package rates1
High-Interest Savings Account 1.00%
Everyday Banking Account 0%
Secured overdraft2 15%
Account Interest Rate
Founding Members Account 1.00%
Manuplus Interest Rate
$0 - $2,999.99 0.50%
$3,000 - $9,999.99 0.75%
$10,000 - $24,999.99 0.80%
$25,000 - $49,999.99 0.90%
$50,000 - $99,999.99 0.95%
$100,000+ 1.25%

Interest is calculated on the closing daily balance and paid monthly. The applicable tier rate is paid on every dollar.

All rates are annual rates unless otherwise stated and are subject to change without notice.

Guaranteed Investment Certificates (GIC) rates

These rates apply to non-registered, RRSP, and RRIF accounts.

Not redeemable before maturity except upon death. Minimum $2,500 investment ($10,000 for monthly rates). For compound interest certificates, use annual rates. Semi-annual and monthly interest available for non-registered certificates only.

Manulife Bank's posted deposit rates are effective for amounts totaling up to $5 million deposited into a particular type of account, whether in one or more than one account of the same type and including joint accounts. To review your options for amounts greater than $5 million or for more information, please contact Manulife Bank at 1-877-765-2265 or (fax) 1-877-565-2265. In the event that amounts deposited exceed $5 million, Manulife Bank may at any time adjust the interest rates applicable to the accounts.

Tax-free GIC rates

1-5 year locked-in terms, interest compounded annually to maturity. Minimum $2,500 investment. Redemption prior to maturity is subject to market value adjustment and expense recovery fees.

Manulife Bank's posted deposit rates are effective for amounts totaling up to $5 million deposited into a particular type of account, whether in one or more than one account of the same type and including joint accounts. To review your options for amounts greater than $5 million or for more information, please contact Manulife Bank at 1-877-765-2265 or (fax) 1-877-565-2265. In the event that amounts deposited exceed $5 million, Manulife Bank may at any time adjust the interest rates applicable to the accounts.

Short-term GIC rates

Short-term GICs may be redeemed prior to maturity but interest is forfeited if redeemed within 29 days from issuance. If redeemed on or after 30 days but before maturity, a 1.25% reduction in interest rate will apply. Interest is prorated to the number of days. A $25.00 early redemption fee will also be charged. Refer to the GIC Confirmation for details.

Manulife Bank's posted deposit rates are effective for amounts totaling up to $5 million deposited into a particular type of account, whether in one or more than one account of the same type and including joint accounts. To review your options for amounts greater than $5 million or for more information, please contact Manulife Bank at 1-877-765-2265 or (fax) 1-877-565-2265. In the event that amounts deposited exceed $5 million, Manulife Bank may at any time adjust the interest rates applicable to the accounts.

Manulife Bank Prime rate

Manulife Bank Prime rate is a variable rate and subject to change without notice. 4.70%
RRSP loans
Standard RRSP loan 5.20%
Line of credit
Access Line of Credit/Plus 5.70%
100% investment loan
Less than $100,000 5.70%
100,000 or more 5.45%
Principal and interest payments 5.45%
Multiplier investment loan
Less than $100,000 5.70%
$100,000 or more 5.45%
Principal and interest payments 5.45%