Rate change history
Every material change we have observed since collection began. Formatting changes and re-runs of the collector are not recorded here — only real changes to a product.
Advertised rate over time
Lowest advertised 5 years fixed rate at each lender.
- CIBC4.94%
- National Bank of Canada4.84%
- RBC4.89%
- Scotiabank6.09%
- TD4.84%
Hover the chart to read every lender's rate on a given day. A line starts when we first knew that lender's rate: RBC and CIBC publish the date each rate took effect, so their history reaches back before we started collecting. Lenders that publish no such date appear from our first collection onward.
Filters
66 changes
| Date | Lender | Product | Change | Previous | New |
|---|---|---|---|---|---|
| RBC | rbc-3-year-fixed-closed-on | Rate changed | 4.74% | 4.49% | |
| RBC | rbc-3-year-fixed-closed-on | Terms changedapr: 4.78 → 4.53 | 4.74% | 4.49% | |
| National Bank of Canada | national-bank-1-year-fixed-closed-on | Product added | — | 5.49% | |
| National Bank of Canada | national-bank-1-year-fixed-open-on | Product added | — | 9.65% | |
| National Bank of Canada | national-bank-10-year-fixed-closed-on | Product added | — | 6.8% | |
| National Bank of Canada | national-bank-2-year-fixed-closed-on | Product added | — | 5.24% | |
| National Bank of Canada | national-bank-3-year-fixed-closed-on | Product added | — | 4.74% | |
| National Bank of Canada | national-bank-4-year-fixed-closed-on | Product added | — | 4.79% | |
| National Bank of Canada | national-bank-5-year-fixed-closed-on | Product added | — | 4.84% | |
| National Bank of Canada | national-bank-5-year-variable-closed-on | Product added | — | 4.1% | |
| National Bank of Canada | national-bank-6-month-fixed-closed-on | Product added | — | 6.09% | |
| National Bank of Canada | national-bank-6-month-fixed-open-on | Product added | — | 9.75% | |
| National Bank of Canada | national-bank-6-year-fixed-closed-on | Product added | — | 6.4% | |
| National Bank of Canada | national-bank-7-year-fixed-closed-on | Product added | — | 6.4% | |
| Scotiabank | scotiabank-1-year-fixed-closed-insured-on | Product added | — | 5.49% | |
| Scotiabank | scotiabank-1-year-fixed-closed-uninsured-on | Product added | — | 5.49% | |
| Scotiabank | scotiabank-10-year-fixed-closed-insured-on | Product added | — | 6.8% | |
| Scotiabank | scotiabank-10-year-fixed-closed-uninsured-on | Product added | — | 6.8% | |
| Scotiabank | scotiabank-2-year-fixed-closed-insured-on | Product added | — | 4.89% | |
| Scotiabank | scotiabank-2-year-fixed-closed-uninsured-on | Product added | — | 4.89% | |
| Scotiabank | scotiabank-3-year-fixed-closed-insured-on | Product added | — | 5.95% | |
| Scotiabank | scotiabank-3-year-fixed-closed-uninsured-on | Product added | — | 5.95% | |
| Scotiabank | scotiabank-3-year-variable-closed-on | Product added | — | 4.45% | |
| Scotiabank | scotiabank-4-year-fixed-closed-insured-on | Product added | — | 5.99% | |
| Scotiabank | scotiabank-4-year-fixed-closed-uninsured-on | Product added | — | 5.99% | |
| Scotiabank | scotiabank-5-year-fixed-closed-insured-on | Product added | — | 6.09% | |
| Scotiabank | scotiabank-5-year-fixed-closed-uninsured-on | Product added | — | 6.09% | |
| Scotiabank | scotiabank-7-year-fixed-closed-insured-on | Product added | — | 6.4% | |
| Scotiabank | scotiabank-7-year-fixed-closed-uninsured-on | Product added | — | 6.4% | |
| TD | td-1-year-fixed-closed-insured-on | Product added | — | 6.43% | |
| TD | td-1-year-fixed-closed-uninsured-on | Product added | — | 5.49% | |
| TD | td-1-year-fixed-open-insured-on | Product added | — | 9.95% | |
| TD | td-1-year-fixed-open-uninsured-on | Product added | — | 9.95% | |
| TD | td-10-year-fixed-closed-insured-on | Product added | — | 6.1% | |
| TD | td-10-year-fixed-closed-uninsured-on | Product added | — | 6.8% | |
| TD | td-2-year-fixed-closed-insured-on | Product added | — | 5.87% | |
| TD | td-2-year-fixed-closed-uninsured-on | Product added | — | 4.89% | |
| TD | td-3-year-fixed-closed-insured-on | Product added | — | 5.75% | |
| TD | td-3-year-fixed-closed-uninsured-on | Product added | — | 4.69% | |
| TD | td-4-year-fixed-closed-insured-on | Product added | — | 4.82% | |
| TD | td-4-year-fixed-closed-uninsured-on | Product added | — | 5.99% | |
| TD | td-5-year-fixed-closed-insured-on | Product added | — | 4.84% | |
| TD | td-5-year-fixed-closed-uninsured-on | Product added | — | 4.84% | |
| TD | td-5-year-variable-closed-insured-on | Product added | — | 5.05% | |
| TD | td-5-year-variable-closed-uninsured-on | Product added | — | 4.29% | |
| TD | td-5-year-variable-open-insured-on | Product added | — | 7.75% | |
| TD | td-5-year-variable-open-uninsured-on | Product added | — | 7.75% | |
| TD | td-6-month-fixed-closed-insured-on | Product added | — | 6.03% | |
| TD | td-6-month-fixed-closed-uninsured-on | Product added | — | 5.49% | |
| TD | td-6-year-fixed-closed-insured-on | Product added | — | 5.99% | |
| TD | td-6-year-fixed-closed-uninsured-on | Product added | — | 6.29% | |
| TD | td-7-year-fixed-closed-insured-on | Product added | — | 6.09% | |
| TD | td-7-year-fixed-closed-uninsured-on | Product added | — | 6.4% | |
| CIBC | cibc-1-year-fixed-closed-on | Product added | — | 4.74% | |
| CIBC | cibc-10-year-fixed-closed-on | Product added | — | 6.79% | |
| CIBC | cibc-2-year-fixed-closed-on | Product added | — | 4.49% | |
| CIBC | cibc-3-year-fixed-closed-on | Product added | — | 4.74% | |
| CIBC | cibc-4-year-fixed-closed-on | Product added | — | 4.89% | |
| CIBC | cibc-5-year-fixed-closed-on | Product added | — | 4.94% | |
| CIBC | cibc-7-year-fixed-closed-on | Product added | — | 5.11% | |
| RBC | rbc-2-year-fixed-closed-on | Product added | — | 4.79% | |
| RBC | rbc-3-year-fixed-closed-on | Product added | — | 4.74% | |
| RBC | rbc-4-year-fixed-closed-on | Product added | — | 4.84% | |
| RBC | rbc-5-year-fixed-closed-on | Product added | — | 4.89% | |
| RBC | rbc-1-year-fixed-closed-on | Product added | — | 4.89% | |
| RBC | rbc-7-year-fixed-closed-on | Product added | — | 5% |