About First Nations Bank of Canada
First Nations Bank of Canada is a Schedule I chartered bank that received its charter on November 19, 1996, created through an alliance of the Saskatchewan Indian Equity Foundation, the Federation of Sovereign Indigenous Nations and TD Bank. Headquartered in Saskatoon, it is the first Canadian chartered bank independently controlled by Indigenous shareholders, who hold over 80% ownership, and it provides personal and business banking focused on Indigenous individuals, communities and organizations. It is a CDIC member.
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Access: Open to all Canadians
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: Open an account at a branch or through FNBC's online banking channels.
Deposit protection: Canada Deposit Insurance Corporation
$100,000 per insured category per member institution
Current top rates
rates confirmed as of 2026-09-26| GIC ladder | Best rate |
|---|---|
| 1-year GIC | 1.05% |
| 2-year GIC | 1.20% |
| 3-year GIC | 1.35% |
| 4-year GIC | 1.50% |
| 5-year GIC | 2.00% |
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 2026-09-26Filter rates
| Term | Registration | Redeemable | Compounding | Interest paid | Min–Max deposit | Rate |
|---|---|---|---|---|---|---|
| Short-term — under 1 year | ||||||
| 30–89 days | Non-reg | Y | — | At maturity | — | 0.30% |
| 90 – 119 days | Non-reg | Y | — | At maturity | — | 0.35% |
| 120 – 179 days | Non-reg | Y | — | At maturity | — | 0.40% |
| Long-term — 1 year + | ||||||
| 180–365 days | Non-reg | Y | — | At maturity | — | 0.45% |
| 1 year | Non-reg | N | — | At maturity | — | 1.05% |
| 1 year | Non-reg | Y | — | At maturity | — | 0.65% |
| 2 years | Non-reg | N | — | At maturity | — | 1.20% |
| 2 years | Non-reg | Y | — | At maturity | — | 0.85% |
| 3 years | Non-reg | N | — | At maturity | — | 1.35% |
| 3 years | Non-reg | Y | — | At maturity | — | 0.95% |
| 4 years | Non-reg | N | — | At maturity | — | 1.50% |
| 4 years | Non-reg | Y | — | At maturity | — | 1.05% |
| 5 years | Non-reg | N | — | At maturity | — | 2.00% |
| 5 years | Non-reg | Y | — | At maturity | — | 1.25% |
| Wait and SeeRedeemable · paid at maturity | ||||||
| 1 year | Non-reg | Y | — | At maturity | — | 0.10% |
No rates match these filters.
Savings & chequing rates
rates confirmed as of 2026-09-26Filter rates
| Type | Product | Calculated | Paid | Min. balance | Rate |
|---|---|---|---|---|---|
| Savings | |||||
| Savings | Every Day Savings | Annually | Monthly | $0 | 0.05% |
| Savings | Every Day Savings | Annually | Monthly | $1,000 | 0.05% |
| Savings | Every Day Savings | Annually | Monthly | $5,000 | 0.05% |
| Savings | Every Day Savings | Annually | Monthly | $10,000 | 0.05% |
| Savings | Every Day Savings | Annually | Monthly | $25,000 | 0.05% |
| Savings | Every Day Savings | Annually | Monthly | $60,000 | 0.05% |
| HISA | First Nations High Interest Savings | Annually | Monthly | $0 | 0.15% |
| HISA | First Nations High Interest Savings | Annually | Monthly | $5,000 | 0.15% |
| HISA | First Nations High Interest Savings | Annually | Monthly | $10,000 | 0.15% |
| HISA | First Nations High Interest Savings | Annually | Monthly | $25,000 | 0.15% |
| HISA | First Nations High Interest Savings | Annually | Monthly | $60,000 | 0.15% |
| HISA | First Nations High Interest Savings | Annually | Monthly | $5,000,000 | 0.15% |
| HISA | High Interest Savings | Annually | Monthly | $0 | 0.05% |
| HISA | High Interest Savings | Annually | Monthly | $5,000 | 0.15% |
| HISA | High Interest Savings | Annually | Monthly | $10,000 | 0.15% |
| HISA | High Interest Savings | Annually | Monthly | $25,000 | 0.15% |
| HISA | High Interest Savings | Annually | Monthly | $60,000 | 0.15% |
| HISA | High Interest Savings | Annually | Monthly | $5,000,000 | 0.15% |
| Junior | Youth Account | — | — | $0 | 0.05% |
| Junior | Youth Account | — | — | $5,000 | 0.05% |
| Senior | Elders Plan | — | — | $0 | 0.05% |
| Senior | Elders Plan | — | — | $3,000 | 0.05% |
| Senior | Elders Plan | — | — | $5,000 | 0.10% |
| Senior | Elders Plan | — | — | $10,000 | 0.10% |
| Senior | Elders Plan | — | — | $25,000 | 0.10% |
| Senior | Elders Plan | — | — | $60,000 | 0.10% |
| Senior | Elders Plan | — | — | $100,000 | 0.10% |
| Chequing | |||||
| USD | US Daily Interest ChequingUS$ | Daily | Monthly | $0 | 0.00% |
| USD | US Daily Interest ChequingUS$ | Daily | Monthly | $500 | 0.00% |
| USD | US Daily Interest ChequingUS$ | Daily | Monthly | $1,000 | 0.01% |
| USD | US Daily Interest ChequingUS$ | Daily | Monthly | $3,000 | 0.01% |
| USD | US Daily Interest ChequingUS$ | Daily | Monthly | $5,000 | 0.01% |
| USD | US Daily Interest ChequingUS$ | Daily | Monthly | $10,000 | 0.01% |
| USD | US Daily Interest ChequingUS$ | Daily | Monthly | $25,000 | 0.01% |
| USD | US Daily Interest ChequingUS$ | Daily | Monthly | $60,000 | 0.01% |
| RRSP | |||||
| RRSP | Daily Interest Savings RRSP | Annually | Monthly | $0 | 0.00% |
| RRSP | Daily Interest Savings RRSP | Annually | Monthly | $5,000 | 0.05% |
| RRSP | Daily Interest Savings RRSP | Annually | Monthly | $25,000 | 0.10% |
| RRSP | Daily Interest Savings RRSP | Annually | Monthly | $60,000 | 0.10% |
| TFSA | |||||
| TFSA | High Interest TFSA Savings Account | Annually | Monthly | $0 | 0.15% |
| TFSA | High Interest TFSA Savings Account | Annually | Monthly | $1,000 | 0.15% |
| TFSA | High Interest TFSA Savings Account | Annually | Monthly | $5,000 | 0.15% |
| TFSA | High Interest TFSA Savings Account | Annually | Monthly | $10,000 | 0.15% |
| TFSA | High Interest TFSA Savings Account | Annually | Monthly | $25,000 | 0.15% |
| TFSA | High Interest TFSA Savings Account | Annually | Monthly | $60,000 | 0.15% |
No rates match these filters.
Mortgage rates
Highlighted rows are promo ratesrates confirmed as of 2026-09-26Filter rates
| Term | Type | Open / closed | Insured | Posted rate |
|---|---|---|---|---|
| 1-year | Fixed | Open | No | 9.85% |
| 1-year | Fixed | Closed | No | 4.89% |
| 1-year | Fixed | Closed | No | 5.49% |
| 2-year | Fixed | Closed | No | 4.29% |
| 2-year | Fixed | Closed | No | 4.89% |
| 3-year | Fixed | Closed | No | 4.39% |
| 3-year | Fixed | Closed | No | 6.05% |
| 4-year | Fixed | Closed | No | 4.49% |
| 4-year | Fixed | Closed | No | 5.99% |
| 5-year | Fixed | Closed | No | 4.49% |
| 5-year | Fixed | Closed | No | 6.09% |
| 5-year | Fixed | Closed | Yes | 4.19% |
| Variable Interest Rate Mortgage (VIRM) closedVariable · conventional · 5-year term | ||||
| 5-year | Variable | Open | No | 7.75% |
| 5-year | Variable | Closed | No | 4.05% |
| 5-year | Variable | Closed | No | 4.45% |
No mortgage rates match these filters.
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