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Rates

Peace Hills Trust offers competitive rates and from time to time offers promotional rates on various products

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*Rates are provided for information purposes only and are subject to change without notice.
Rates are effective November 3, 2025.



Featured Rates

PHT Prime Rate

4.45
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Savings

Rates shown are calculated on a per annum basis.  Interest is calculated on the daily closing balance, at the applicable rate tier and paid monthly.

List of rates for DAILY INTEREST SAVINGS ACCOUNTS
DAILY INTEREST SAVINGS ACCOUNTS Rate
PHT Personal Savings $0 - $4,999.00
0.20
PHT Pure Personal Savings $0 - $4,999.99
0.00
PHT Business Savings $0 - $4,999.99
0.20
TFSA Daily Interest Savings $0 - $4,999.99
0.20
PHT Personal Savings $5,000 & Over
0.20
PHT Pure Personal Savings $5,000 & Over
1.00
PHT Business Savings $5,000 & Over
0.20
TFSA Daily Interest Savings $5,000 & Over
0.20
 

Guaranteed Investment Certificates (GIC)

Rates shown are calculated on a per annum basis.  Interest is calculated on the daily closing balance, at the applicable rate tier and paid monthly.

Short Term GIC

List of rates for SHORT TERM - NON REDEEMABLE
SHORT TERM - NON REDEEMABLE Rate
30 - 59 Days
0.200
60 - 89 Days
0.200
90 - 119 Days
0.200
120 - 179 Days
0.200
180 - 269 Days
0.250
270 - 364 Days
0.250
List of rates for SHORT TERM - REDEEMABLE
SHORT TERM - REDEEMABLE Rate
30 - 59 Days
0.100
60 - 89 Days
0.100
90 - 119 Days
0.100
120 - 179 Days
0.100
180 - 269 Days
0.125
270 - 364 Days
0.125
List of rates for SHORT TERM EARLY REDEMTION
SHORT TERM EARLY REDEMTION Rate
30 - 59 Days
0.050
60 - 89 Days
0.050
90 - 119 Days
0.050
120 - 179 Days
0.050
180 - 269 Days
0.050
270 - 364 Days
0.050

Term Deposits

List of rates for TERM DEPOSITS - PAID ANNUALLY
TERM DEPOSITS - PAID ANNUALLY Rate
1 Year
2.80
2 Year
3.00
3 Year
3.10
4 Year
3.20
5 Year
3.30
List of rates for TERM DEPOSITS - PAID SEMI ANNUALLY
TERM DEPOSITS - PAID SEMI ANNUALLY Rate
1 Year
2.55
2 Years
2.75
3 Years
2.85
4 Years
2.95
5 Years
3.05
List of rates for TERM DEPOSITS - PAID QUARTERLY
TERM DEPOSITS - PAID QUARTERLY Rate
1 Year
2.40
2 Years
2.60
3 Years
2.70
4 Years
2.80
5 Years
2.90
List of rates for TERM DEPOSITS - PAID MONTHLY
TERM DEPOSITS - PAID MONTHLY Rate
1 Year
2.30
2 Years
2.50
3 Years
2.60
4 Years
2.70
5 Years
2.80
List of rates for TERM DEPOSITS - COMPOUNDED ANNUALLY
TERM DEPOSITS - COMPOUNDED ANNUALLY Rate
1 Year
2.80
2 Years
3.00
3 Years
3.10
4 Years
3.20
5 Years
3.30
 

Registered Retirement Savings Plans (RRSP)

Rates shown are calculated on a per annum basis.

List of rates for RRSP SHORT TERM - REDEEMABLE
RRSP SHORT TERM - REDEEMABLE Rate
30 - 59 Days
0.100
60 - 89 Days
0.100
90 - 119 Days
0.100
120 - 179 Days
0.100
180 - 269 Days
0.125
270 - 364 Days
0.125
List of rates for RRSP SHORT TERM - EARLY REDEMTION
RRSP SHORT TERM - EARLY REDEMTION Rate
30 - 59 Days
0.050
60 - 89 Days
0.050
90 - 119 Days
0.050
120 - 179 Days
0.050
180 - 269 Days
0.050
270 - 364 Days
0.050
List of rates for RRSP TERM DEPOSITS - PAID ANNUALLY TO SAVINGS
RRSP TERM DEPOSITS - PAID ANNUALLY TO SAVINGS Rate
1 Year Non-Redeemable
2.80
2 Year Non-Redeemable
3.00
3 Year Non-Redeemable
3.10
4 Year Non-Redeemable
3.20
5 Year Non-Redeemable
3.30
List of rates for RRSP TERM DEPOSITS - COMPOUND ANNUAL
RRSP TERM DEPOSITS - COMPOUND ANNUAL Rate
1 Year
2.80
2 Years
3.00
3 Years
3.10
4 Years
3.20
5 Years
3.30
List of rates for RRSP DAILY INTEREST SAVINGS
RRSP DAILY INTEREST SAVINGS Rate
$0 - $4,999.99
0.100
$5,000 - and Over
0.200
 

Retirement Income Fund - Short Term Redeemable

Rates show are calculated on a per annum basis.
List of rates for 30 - 59 Days
30 - 59 Days Rate
RIF Short Term Redeemable - 30 - 59 Days
0.125
RIF Short Term Redeemable - 60 - 89 Days
0.125
RIF Short Term Redeemable - 90 - 119 Days
0.125
RIF Short Term Redeemable 120 - 179 Days
0.125
RIF Short Term Redeemable - 180 - 169 Days
0.125
RIF Short Term Redeemable - 270 - 364 Days
0.125
 

Tax Free Savings Account - Compounded Annually

Rates shown are calculated on a per annum basis.
List of rates for Tax Free Savings Account - Compounded Annually
Tax Free Savings Account - Compounded Annually Rate
TFSA - 1 Year
2.80
TFSA - 2 Years
3.00
TFSA - 3 Years
3.10
TFSA - 4 Years
3.20
TFSA - 5 Years
3.30
 

Mortgages

Fixed rates, closed terms for owner-occupied homes. 

List of rates for RESIDENTIAL MORTGAGES
RESIDENTIAL MORTGAGES Rate
6 Month
7.74
1 Year
5.49
2 Year
5.39
3 Year
4.89
4 Year
4.89
5 Year
4.59
 

Interest rate is the same as APR assuming no fees apply.  If your equity is less than 20% it will require mortgage default insurance and if that premium is included in the mortgage it will increase APR.
** Other conditions apply.

All mortgage rates are calculated semi-annually, not in advance.
All applications are subject to Peace Hills Trust's credit approval criteria.
All interest rates are subject to change at any time without notice.

 
 
 

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