About B2B Bank
B2B Bank is a Toronto-based Schedule I bank wholly owned by Laurentian Bank of Canada; it originated as B2B Trust on July 1, 2000 (from Laurentian's Agency Banking division and Sun Life Trust) and became a chartered bank on July 7, 2012. It supplies deposits (GICs, investment accounts), investment and RRSP loans, and broker mortgages exclusively through a network of roughly 27,000 financial advisors, deposit brokers and mortgage brokers rather than directly to the public.
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Access: Not sold directly to consumers — available through a financial broker or financial advisor only
Eligible provinces: Alberta, British Columbia, Manitoba, New Brunswick, Newfoundland & Labrador, Nova Scotia, Northwest Territories, Nunavut, Ontario, Prince Edward Island, Quebec, Saskatchewan, Yukon
How to join: Deposit products are available to existing B2B Bank clients only (new chequing accounts discontinued 2026-08-06); new customers access products through financial advisors, deposit brokers or mortgage brokers.
Notes: Indirect — broker/advisor channel only
Deposit protection: Canada Deposit Insurance Corporation
$100,000 per insured category per member institution
Current top rates
rates confirmed as of 2026-10-14| GIC ladder | Best rate |
|---|---|
| 1-year GIC | 3.55% |
| 2-year GIC | 4.04% |
| 3-year GIC | 4.23% |
| 4-year GIC | 4.24% |
| 5-year GIC | 4.32% |
Base ladder rates. Institution may have more term rates below.
Rate history builds here as we track this institution's rates over time.
Term deposit rates
— not stated on siterates confirmed as of 2026-10-14Filter rates
| Term | Registration | Redeemable | Compounding | Interest paid | Min–Max deposit | Rate |
|---|---|---|---|---|---|---|
| Short-term — under 1 year | ||||||
| 30–89 days | Non-reg | Y | — | At maturity | — | 1.25% |
| 90–179 days | Non-reg | Y | — | At maturity | — | 1.50% |
| 180 – 269 days | Non-reg | Y | — | At maturity | — | 2.50% |
| 270 – 364 days | Non-reg | Y | — | At maturity | — | 2.75% |
| Long-term — 1 year + | ||||||
| 1 year | Non-regRRSPRRIF | N | Annually | At maturity | $1k+ | 3.55% |
| 1 year | Non-reg | N | — | At maturitySemi-annuallyQuarterlyMonthly | $1k+$1k+$1k+$10k+ | 3.55%3.30%3.17%3.17% |
| 1 year | RRSPRRIF | N | — | Annually | $1k+ reg | 3.55% |
| 2 years | Non-regRRSPRRIF | N | Annually— | At maturityAnnually | $1k+$1k+ | 4.04%4.04% |
| 2 years | Non-reg | N | — | Semi-annuallyQuarterlyMonthly | $1k+$1k+$10k+ | 3.79%3.67%3.67% |
| 3 years | Non-regRRSPRRIF | N | Annually— | At maturityAnnually | $1k+$1k+ | 4.23%4.23% |
| 3 years | Non-reg | N | — | Semi-annuallyQuarterlyMonthly | $1k+$1k+$10k+ | 3.98%3.85%3.85% |
| 4 years | Non-regRRSPRRIF | N | Annually— | At maturityAnnually | $1k+$1k+ | 4.24%4.24% |
| 4 years | Non-reg | N | — | Semi-annuallyQuarterlyMonthly | $1k+$1k+$10k+ | 3.99%3.87%3.87% |
| 5 years | Non-regRRSPRRIF | N | Annually— | At maturityAnnually | $1k+$1k+ | 4.32%4.32% |
| 5 years | Non-reg | N | — | Semi-annuallyQuarterlyMonthly | $1k+$1k+$10k+ | 4.07%3.94%3.94% |
No rates match these filters.
Savings & chequing rates
rates confirmed as of 2026-10-14Filter rates
| Type | Product | Calculated | Paid | Min. balance | Rate |
|---|---|---|---|---|---|
| Savings | |||||
| HISA | High Interest Savings Account (HISA) | — | — | $0 | 2.20% |
| HISA | High Interest Savings Account (HISA) | — | — | $500,000.01 | 2.20% |
No rates match these filters.
Mortgage rates
rates confirmed as of 2026-10-14Filter rates
| Term | Type | Open / closed | Insured | Posted rate |
|---|---|---|---|---|
| 6-month | Fixed | Open | No | 9.15% |
| 1-year | Fixed | Open | No | 9.15% |
| 6-month | Fixed | Closed | No | 7.84% |
| 1-year | Fixed | Closed | No | 5.64% |
| 2-year | Fixed | Closed | No | 5.94% |
| 3-year | Fixed | Closed | No | 6.09% |
| 4-year | Fixed | Closed | No | 6.19% |
| 5-year | Fixed | Closed | No | 6.29% |
| 7-year | Fixed | Closed | No | 6.69% |
| 10-year | Fixed | Closed | No | 7.14% |
| 6-month | Fixed | Convertible | No | 8.25% |
| 3-year | Variable | Closed | No | 4.45% |
| 5-year | Variable | Closed | No | 4.45% |
| Home Equity Line of CreditFixed · closed · conventional | ||||
| No set term | Fixed | Closed | No | 4.95% |
No mortgage rates match these filters.
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