RBC Dominion Securities Français Contact us Sign in How we help Who we help Find a solution Insights & education Find an advisor About us Cash and Margin Rates and GIC rates GIC Rates The latest GIC rates (Open PDF file) in PDF format. Interest Rates applied to account balances* As of March 30, 2020 our interest rates are as follows: Credit balances Canadian dollar accounts US dollar accounts Under $10,000 0.05% 0.05% $10,000 - $24,999 0.05% 0.05% $25,000 - $49,999 0.05% 0.05% $50,000 - $59,999 0.05% 0.05% $60,000 - $99,999 0.05% 0.05% $100,000 and over 0.05% 0.05% Debit balances Canadian dollar accounts US dollar accounts Under $10,000 4.45% 5.50% $10,000 - $24,999 4.20% 5.25% $25,000 - $49,999 3.95% 5.00% $50,000 - $99,999 3.70% 4.75% $100,000 and over 3.45% 4.50% Registered accounts Canadian dollar accounts US dollar accounts All credit balances 0.05% 0.05% All debit balances 4.45% 5.50% How rates are calculated Canadian dollar margin rates† US dollar margin rates† Under $10,000 $CDN Prime + 2.00% $USD Prime + 2.25% $10,000 - $24,999 $CDN Prime + 1.75% $USD Prime + 2.00% $25,000 - $49,999 $CDN Prime + 1.50% $USD Prime + 1.75% $50,000 - $99,999 $CDN Prime + 1.25% $USD Prime + 1.50% $100,000 and over $CDN Prime + 1.00% $USD Prime + 1.25% † Based on Royal Bank prime rates as of March 30, 2020. $CDN Prime= 2.45% and $USD Prime= 3.25%. Rates are subject to change. * RBC Financial Group retains the right to change interest rates on a discretionary basis. A committee comprised of individuals representing various authorities within RBC Dominion Securities administers these interest rates. These rates are adjusted from time to time based on various factors, including, but not limited to, competitive analysis, Bank of Canada and other bellwether rates, and/ or cash rates. Interest amounts less than $5 are neither charged nor paid on regular accounts and interest amounts less than $1 are neither charged nor paid on special product accounts. Rate changes of less than 1% will be processed on the 22nd of the month. The average daily cash balance for the month determines the tier that will be used to establish the rate. Regulated by: Let’s connect We want to talk about your financial future. Let us contact you Start the conversation From retirement to philanthropy, we'll match you to an advisor who understands your needs. Get matched with an advisor About us Our story Divisions RBC Wealth Management (Open in new window) RBC PH&N Investment Counsel (Open in new window) RBC Royal Trust (Open in new window) RBC Private Banking (Open in new window) Privacy & legal Privacy & security (Open in new window) Legal (Open in new window) Accessibility Resolving your concerns Unclaimed property (Open in new window) IIROC AdvisorReport (Open in new window) Member – Canadian Investor Protection Fund (Open in new window) Careers Start now Resources Account agreements Cash and margin rates GIC rates Tax reporting guide RBC Dominion Securities Inc. Website, © 1995-2021 Back to top