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

High-interest Advantage Accounts

Account Interest Rate
Advantage Account 1.50%
Business Advantage Account 1.20%
Tax-Free Advantage Account 3.00%*
Registered Advantage Account 3.00%*
Retirement Income Advantage Account 3.00%**
$US Advantage Account 0.50%
$US Business Advantage Account 0.50%

Interest is calculated on the closing daily balance and paid monthly.

Manulife Bank's posted deposit rates are effective for deposit amounts of up to $2 million. For amounts greater than $2 million or for more information, please contact Manulife Bank at 1-877-765-2265 or (fax) 1-877-565-2265.

*The promotional annual interest rate of 3.00% consists of the regular posted variable annual interest rate of 1.50% and the variable annual promotional rate of 1.50% and is calculated daily and paid monthly for new deposits received from December 3, 2018 to March 15, 2019. For full terms and conditions of the Registered Advantage Account and Tax-Free Advantage Account interest offer, click here.

**The variable annual introductory interest rate of 3.00% applies to all deposits held within a Retirement Income Advantage Account until March 31, 2019.

ManulifeMONEY™+ Visa* credit cards

Mortgages

Manulife One

Interest is calculated on the daily closing balance and posted to your account monthly. When the main account is in a negative balance, interest is compounded monthly, not in advance.

Variable rate sub-account terms *APR[%]
5-year open (Manulife One Base rate plus 0%) 4.45%


Interest is compounded monthly, not in advance.
Variable Rates change with Manulife One Base Rate and is subject to change without notice.

Fixed rate sub-account terms *APR[%]
6-month closed 4.45%
1-year closed 3.69%
1-year open 4.45%
2-year closed 3.79%
3-year closed 3.89%
4-year closed 3.94%
5-year closed 4.04%
7-year closed 4.54%
10-year closed 4.64%


Interest is compounded semi-annually, not in advance.
*Annual Percentage Rate. See "Cost of borrowing" for more information.
Manulife One fees

 

Manulife Bank Select

Variable rate sub-account terms *APR[%]
5-year closed (Manulife Bank Prime) 3.95%
5-year open (Manulife Bank Prime plus 0.80%) 4.75%


Interest is compounded monthly, not in advance.
Variable Rates change with Manulife Bank Prime rate and is subject to change without notice.

Fixed rate sub-account terms *APR[%]
6-month closed 4.45%
1-year open 4.45%
1-year closed 3.69%
2-year closed 3.79%
3-year closed 3.89%
4-year closed 3.94%
5-month closed 4.04%
7-year closed 4.54%
10-year closed 4.64%


Interest is compounded semi-annually, not in advance.
*Annual Percentage Rate. See "Cost of borrowing" for more information.
Manulife Bank Select Fees


Interest is compounded semi-annually, not in advance.
*Annual Percentage Rate. See "Cost of borrowing" for more information.

Loans

Investment loans

Investments

Guaranteed Investment Certificates (GICs)

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 deposit amounts of up to $2 million. For amounts greater than $2 million or for more information, please contact Manulife Bank at 1-877-765-2265 or (fax) 1-877-565-2265.

Tax-Free GICs

Short-term deposits

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 deposit amounts of up to $2 million. For amounts greater than $2 million or for more information, please contact Manulife Bank at1-877-765-2265or(fax) 1-877-565-2265.

Accounts no longer offered for sale

Account Interest Rate
Founding Members Account 0.00%
Manuplus Interest Rate
$0 - $2,999.99 0.00%
$3,000 - $9,999 1.35%
$10,000 - $24,999 1.40%
$25,000 - $49,999 1.45%
$50,000 - $99,999 1.50%
$100,000+ 1.50%

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.

Preferred Rate Mortgage

Terms *APR[%]
6-month closed 4.45%
1-year closed 3.69%
1-year open 4.45%
2-year closed 3.79%
3-year closed 3.89%
4-year closed 3.94%
5-year closed 4.04%
7-year closed 4.54%
10-year closed 4.64%

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.