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

High-interest Advantage Account rates

Account Interest Rate

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 rates

Mortgages rates

Manulife One rates

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.


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[%]


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

 

Manulife Bank Select rates


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

Fixed rate terms *APR[%]


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

Loan interest rates

Investment loans

Manulife Bank Prime rate is a variable rate and subject to change without notice.

Investment interest rates

Guaranteed Investment Certificates (GICs) rates

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 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 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.

Short-term deposits 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 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.

Accounts no longer offered for sale

Account Interest Rate
Manuplus Interest Rate

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. TEST MAYUK

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Preferred Rate Mortgage

Terms *APR[%]

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.

Services and fees

The Business Advantage Account – High-interest savings account for your business

The US Dollar Business Advantage Account – High-interest savings for your US dollars

Manulife One for Business – All-in-one banking and mortgage for your business

Business loans – Specialized lending advice for businesses

Guaranteed Investment Certificates (GIC) – Grow your business with a guaranteed investment certificate

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Credit Cards │ Manulife Bank

Manulife Bank's credit cards offer no annual fee, cash back and travel reward features for you to take advantage of. Find your Manulife credit card right here.

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Mortgages │ Manulife Bank

Buying your first home, purchasing your next property, or looking to switch banks, renew or refinance, we have a mortgage to fit your lifestyle. Learn more about our mortgages and use our mortgage calculators.

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