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Rates
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Moya Financial Rates & Fees
ACCOUNT RATES
| Product or term | Rate |
|---|---|
| No-fee Chequing Account | 0.00% |
| Savings Account | 0.50% |
| Daily Interest Savings Account | 0.15% |
| Youth Savings Account | 0.50% |
| US Dollar Account | 0.01% |
| Euro Account | 0.00% |
| RRSP/RRIF (Variable) | 0.50% |
| TFSA (Variable) | 0.50% |
| Product or term | Rate |
|---|---|
| Business Chequing Account | 0.00% |
| Business Savings Account | 0.50% |
INVESTING RATES
| Product or term | Rate |
|---|---|
| 1-Year | 3.10% |
| 1-Year Promotional Rate | 3.30%¹ |
| 2-Year | 3.35% |
| 3-Year | 3.45% |
| 4-Year | 3.45% |
| 5-Year | 3.50% |
| 1-Year FHSA | 3.45%¹ |
| Product or term | Rate |
|---|---|
| 1-Year | 2.00% |
| 1-Year Promotional Rate | 2.45%¹ |
| Product or term | Rate |
|---|---|
| 1-Year | 2.60% |
| 2-Year | 2.70% |
| 3-Year | 2.75% |
| 4-Year | 3.15% |
| 5-Year | 3.50% |
| Effective Yield | 2.94% |
| Product or term | Rate |
|---|---|
| 1-Year | 1.05% |
| 2-Year | 1.55% |
| 3-Year | 2.05% |
| 4-Year | 3.35% |
| 5-Year | 3.80% |
| Effective Yield | 2.36% |
¹Rate available on new funds transferred from another financial institution.
2Only available for non-registered products.
3Not redeemable before maturity, but with an option to redeem on 3-year anniversary. Not available for RRIF products.
4Option to redeem every year on the deposit anniversary.
BORROWING RATES
Moya Prime Rate | 4.45% |
|---|
| Product or term | Rate |
|---|---|
| 1-Year (Open, starting at) | 5.99% |
| 1-Year (Closed, starting at) | 5.29% |
| 2-Year (Closed, starting at) | 5.19% |
| 3-Year (Closed, starting at) | 4.69% |
| 4-Year (Closed, starting at) | 4.49% |
| 5-Year (Closed, starting at) | 4.39% |
| 5-Year (Closed, High Ratio, starting at) | 4.19% |
| Product or term | Rate |
|---|---|
| Variable Rate (Open, starting at) | Prime + 1.00% |
| Variable Rate (Closed, starting at) | Prime |
| Construction Mortgage (starting at) | Prime + 4.00% |
| Product or term | Rate |
|---|---|
| Commercial Loans (starting at) | 5.74% |
| Product or term | Rate |
|---|---|
| Student Financing (starting at) | Prime + 1.00% |
| Overdraft Protection | 19.50% |
| Unauthorized Overdrafts | 24.50% |
| Line of Credit (Secured, starting at) | Prime + 1.50% |
| Line of Credit (Unsecured, starting at) | Prime + 4.00% |
| Personal Loans (starting at) | Prime + 3.25% |
| Vehicle Financing (Variable, starting at) | Prime + 1.00% |
| Bridge Loan (starting at) | Prime + 2.30% |
| MeritLine (HELOC) (starting at) | Prime + 1.50% |
SUKUK 1st SHARIAH COMPLIANT RETURNS
PERSONAL ACCOUNTS
| FREQUENCY | DISTRIBUTION RATIO | INDICATIVE RATE |
|---|---|---|
| Monthly Returns | 11% | 0.35% |
TERM DEPOSITS
| FREQUENCY | DISTRIBUTION RATIO | INDICATIVE RATE |
|---|---|---|
| 1-Year | 81% | 2.65% |
| 3-Year | 70% | 2.30% |
| 5-Year | 70% | 2.30% |
| FREQUENCY | DISTRIBUTION RATIO | INDICATIVE RATE |
|---|---|---|
| 1-Year | 92% | 3.00%¹ |
| 3-Year | 78% | 2.55%¹ |
| 5-Year | 78% | 2.55%¹ |
| FREQUENCY | DISTRIBUTION RATIO | INDICATIVE RATE |
|---|---|---|
| 1-Year | 54% | 1.75% |
| FREQUENCY | DISTRIBUTION RATIO | INDICATIVE RATE |
|---|---|---|
| 1-Year | 67% | 2.20%¹ |
| FREQUENCY | DISTRIBUTION RATIO | INDICATIVE RATE |
|---|---|---|
| 1-Year | 58% | 1.90% |
| 2-Year | 76% | 2.50% |
| 3-Year | 78% | 2.55% |
| 4-Year | 83% | 2.70% |
| 5-Year | 89% | 2.90% |
EFFECTIVE AVERAGE YIELD = 2.51% | ||
| FREQUENCY | DISTRIBUTION RATIO | INDICATIVE RATE |
|---|---|---|
| 1-Year | 66% | 2.15%¹ |
| 2-Year | 84% | 2.75%¹ |
| 3-Year | 86% | 2.80%¹ |
| 4-Year | 90% | 2.95%¹ |
| 5-Year | 96% | 3.15%¹ |
EFFECTIVE AVERAGE YIELD = 2.76% | ||
Please note that the Shariah Compliant Mortgage Portfolio yield and indicative rate may
change from time to time.
1Rate available on new funds transferred from another financial institution.
2Not redeemable before maturity, but with an option to redeem on 3-year anniversary.
3Not redeemable before maturity, but with an option to redeem after 90 days.
change from time to time.
1Rate available on new funds transferred from another financial institution.
2Not redeemable before maturity, but with an option to redeem on 3-year anniversary.
3Not redeemable before maturity, but with an option to redeem after 90 days.
RATES LAST UPDATED: AUGUST 04, 2026
SERVICE SUPPORT RATES
Sometimes your needs don’t match our standard product and service offerings. If that’s the case, you’re sure to find the right fit when you explore our Service Support Rates for additional options and rates.