| Balance | Interest rate | |
|---|---|---|
| $0.00 to $4,999.99 | 0.600% | Get This Rate |
| $5,000.00 to $99,999.99 | 0.600% | Get This Rate |
| $100,000.00 to $199,999.99 | 0.600% | Get This Rate |
| $200,000.00 plus | 0.600% | Get This Rate |
| Balance | Interest rate | |
|---|---|---|
| $0.00 to $4,999.99 | 0.100% | Get This Rate |
| $5,000.00 to $99,999.99 | 0.100% | Get This Rate |
| $100,000.00 to $199,999.99 | 0.100% | Get This Rate |
| $200,000.00 plus | 0.100% | Get This Rate |
| Type | Rate |
|---|---|
| Any account, any balance | 19.800% |
Traveling soon? Looking for the best time to convert your currency? Contact us at 1.866.446.7001 for the latest exchange rates for the Mexican Peso, Euro, and Sterling Pound.
To purchase foreign currency:
...to place your order for pick-up.
Effective date for US Exchange Rates: Sep 2, 2026
| Amount | Rate |
|---|---|
| If you deposit US cash to your account, use the rate of | 1.3498 |
| If you purchase US cash from Innovation, use the rate of | 1.4218 |
| Amount | Rate |
|---|---|
| $1 to $999.99 | 1.3803 |
| $1,000 to $5,000 | 1.3803 |
| $5,001 to $25,000 | 1.3803 |
| $25,001 to $100,000 (contact us if amount is higher) | 1.3843 |
| Amount | Rate |
|---|---|
| $1 to $1,000 | 1.4033 |
| $1,001 to $5,000 | 1.4033 |
| $5,001 to $25,000 | 1.4033 |
| $25,001 to $100,000 (contact us if amount is higher) | 1.3993 |
A savings account is a deposit account designed to help you set money aside while earning interest. It is often used for short-term goals, emergency savings, or funds you want to keep separate from everyday spending.
Plus, with our Savings Account, you'll also earn Member Rewards cash.
A USD Account is an account that holds funds in U.S. dollars. It can be useful if you:
Plus, with our No-Fee USD Account, you'll also earn Member Rewards cash.
Snowbirds and many others who travel between the States and Canada can access some major benefits with the No-Fee USD Account. You choose when your funds are converted from Canadian dollars to USD. And that helps you get the most out of each transaction.
Yes, the interest you earn will be in US funds.
Yes. You can convert Canadian dollars to U.S. dollars through a simple transfer in online banking.
You bet! You'll earn interest on your entire balance for both the Savings Account and No-Fee USD Account - whether your balance is small or large.
An overdraft is an approved safety net on an account that can automatically cover unexpected expenses up to an approved limit. Interest is only charged on the amount used and is calculated daily on the closing balance.
An exchange rate is the value of one currency compared with another. For example, it determines how many U.S. dollars you'll receive when converting Canadian dollars, or how many Canadian dollars are needed to buy U.S. dollars.
Rates subject to change without notice.
Interest is calculated daily on the closing balance of your account and paid at month end. The interest rate is tiered which means as your account balance increases, so does your interest rate. Rates subject to change without notice.
Includes: Savings, US Dollar, Business, Community/Association, AgriInvest
Learn more about our accounts and services. Review our Account and Fee Information (pdf).
Identify the interest rates applicable to your account(s) and how they're calculated. Review our About Our Interest Calculations (pdf) document.
