Accounts & Rates
Savings Accounts
Save your money. High interest rates, no fees or minimum balances. What more can we say?
Investment Savings Account (ISA)
The product that started the revolution. Save your money and earn interest considerably higher than the average of the major banks. Unlike accounts that charge fees, require minimum balances and pay little or no interest, the Investment Savings Account allows your savings to actually grow.
RSP Investment Savings Account (RSP ISA)
Saving for retirement has never been easier. Plus, enjoy all the benefits of our Investment Savings Account in a retirement saving plan.
Tax-Free Investment Savings Account (TFSA)
The product that started the revolution is now even better. Save your money and earn tax-free interest considerably higher than the average of the big banks. With no minimum balances, no service charges, and now with high tax-free interest, all the money you put into your Tax-Free Investment Savings Account will grow like never before. Yet it's still there, when you need it.
US$ Investment Savings Account (US$ ISA)
Do you keep US cash or are you a frequent traveller to the US? Save your US dollars at rates considerably higher than those available at the Big Five banks, get one of the most favourable exchange rates, and of course pay no fees or service charges.
Business Investment Savings Account (BISA)
You need to have cash on hand to run your business, but typical business accounts pay little or no interest. Put that money to work. Earn interest considerably higher than the average of the Big Five Banks and pay no fees or service charges.
US$ Business Investment Savings Account (US$ BISA)
You need to have cash on hand to run your business, but typical business accounts pay little or no interest. Put that money to work. Earn interest considerably higher than the average of the Big Five Banks and pay no fees or service charges.
Retirement Savings Plans (RSPs)
Save for tomorrow, starting today. It’s time to watch your retirement savings grow!
RSP Investment Savings Account (RSP ISA)
Saving for retirement has never been easier. Plus, enjoy all the benefits of our Investment Savings Account in a retirement saving plan.
RSP Guaranteed Investment (GIC)
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| 1 | Year | |
|---|---|---|
| 1 1/2 | Year | |
| 2 | Year | |
| 3 | Year | |
| 4 | Year | |
| 5 | Year | |
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current per year interest rates
since
Saving for retirement? Earn higher interest: competitive rates, no fees and a cashable (early redemption) interest rate that’s higher than most savings accounts.
Short Term RSP Guaranteed Investment (GIC)
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| 90 | days | |
|---|---|---|
| 180 | days | |
| 270 | days | |
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current per year interest rates
since
Saving for retirement or just trying to beat the Tax Man? A great place to park your money for the short term and earn higher interest.
RSP Mutual Fund Account
Retiring made easy. The account designed to help you put money aside now so you can plan for your retirement.
RSP Loan
Retirement saving plans are too important to your financial future to miss out on, just because you didn't have enough money on hand by March 1st. That's why we have RSP loans.
Tax-Free Savings Accounts
Don’t let the Tax Man get your savings down. Enjoy all the benefits of high interest savings – tax-free!
Tax-Free Investment Savings Account (TFSA)
The product that started the revolution is now even better. Save your money and earn tax-free interest considerably higher than the average of the big banks. With no minimum balances, no service charges, and now with high tax-free interest, all the money you put into your Tax-Free Investment Savings Account will grow like never before. Yet it's still there, when you need it.
Tax-Free Guaranteed Investment (GIC)
Guaranteed safe, secure, and now with tax-free interest! An ING DIRECT Guaranteed Investment lets you grow your money when you know you won't need it for a little while. Our Tax-Free GIC has one of the best rates going, no fees or service charges, no minimum balances, and a cashable rate option for, you know...just in case. Watch your money grow tax-free, guaranteed.
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| 1 | Year | |
|---|---|---|
| 1 1/2 | Year | |
| 2 | Year | |
| 3 | Year | |
| 4 | Year | |
| 5 | Year | |
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current per year interest rates
since
Tax-Free Short Term Guaranteed Investment (GIC)
Looking for a safe and secure place to park your money for the short term earning higher interest – tax-free? The Tax-Free Short Term Guaranteed Investment is safe and secure, with one of the best rates going, no fees and no service charges.
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| 90 | days | |
|---|---|---|
| 180 | days | |
| 270 | days | |
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current per year interest rates
Guaranteed Investment Certificates (GICs)
Who says there are no guarantees in life? A GIC is the perfect pick for guaranteed growth.
Guaranteed Investment (GIC)
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| 1 | Year | |
|---|---|---|
| 1 1/2 | Year | |
| 2 | Year | |
| 3 | Year | |
| 4 | Year | |
| 5 | Year | |
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current per year interest rates
since
Earn higher interest: competitive rates, no fees and a cashable (early redemption) interest rate that’s higher than most savings accounts.
Short Term Guaranteed Investment (GIC)
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| 90 | days | |
|---|---|---|
| 180 | days | |
| 270 | days | |
| ||
current per year interest rates
A great place to park your money for the short term and earn higher interest.
RSP Guaranteed Investment (GIC)
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| 1 | Year | |
|---|---|---|
| 1 1/2 | Year | |
| 2 | Year | |
| 3 | Year | |
| 4 | Year | |
| 5 | Year | |
| ||
current per year interest rates
since
Saving for retirement? Earn higher interest: competitive rates, no fees and a cashable (early redemption) interest rate that’s higher than most savings accounts.
Short Term RSP Guaranteed Investment (GIC)
| ||
| 90 | days | |
|---|---|---|
| 180 | days | |
| 270 | days | |
| ||
current per year interest rates
since
Saving for retirement or just trying to beat the Tax Man? A great place to park your money for the short term and earn higher interest.
Tax-Free Guaranteed Investment (GIC)
Guaranteed safe, secure, and now with tax-free interest! An ING DIRECT Guaranteed Investment lets you grow your money when you know you won't need it for a little while. Our Tax-Free GIC has one of the best rates going, no fees or service charges, no minimum balances, and a cashable rate option for, you know...just in case. Watch your money grow tax-free, guaranteed.
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| 1 | Year | |
|---|---|---|
| 1 1/2 | Year | |
| 2 | Year | |
| 3 | Year | |
| 4 | Year | |
| 5 | Year | |
| ||
current per year interest rates
since
Tax-Free Short Term Guaranteed Investment (GIC)
Looking for a safe and secure place to park your money for the short term earning higher interest – tax-free? The Tax-Free Short Term Guaranteed Investment is safe and secure, with one of the best rates going, no fees and no service charges.
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| 90 | days | |
|---|---|---|
| 180 | days | |
| 270 | days | |
| ||
current per year interest rates
Business Guaranteed Investment (GIC)
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| 1 | Year | |
|---|---|---|
| 1 1/2 | Year | |
| 2 | Year | |
| 3 | Year | |
| 4 | Year | |
| 5 | Year | |
| ||
current per year interest rates
since
Your business needs the highest interest on its cash deposits. For funds that won't be needed for a while, improve your results with an ING DIRECT Business GIC.
Business Short Term Guaranteed Investment (GIC)
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| 90 | days | |
|---|---|---|
| 180 | days | |
| 270 | days | |
| ||
current per year interest rates
Your business needs the highest interest on its cash deposits. For funds that won't be needed for a while, improve your results with an ING DIRECT Business Short Term GIC.
US$ Business Guaranteed Investment (GIC)
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| 1 | Year | |
|---|---|---|
| 1 1/2 | Year | |
| 2 | Year | |
| 3 | Year | |
| 4 | Year | |
| 5 | Year | |
| ||
current per year interest rates
since
Your US dollars should work as hard as you do. To improve results for your business, put US funds in an ING DIRECT US$ Business GIC.
US$ Business Short Term Guaranteed Investment (GIC)
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| 90 | days | |
|---|---|---|
| 180 | days | |
| 270 | days | |
| ||
current per year interest rates
Your US dollars should work as hard as you do. To improve results for your business, put US funds in an ING DIRECT US$ Business Short Term GIC.
Mortgages
Home, sweet home! You should spend more time enjoying your home and less time paying
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| 5 | Year Variable | |
|---|---|---|
| 1 | Year Fixed | |
| 2 | Year Fixed | |
| 3 | Year Fixed | |
| 4 | Year Fixed | |
| 5 | Year Fixed | |
| 7 | Year Fixed | |
| 10 | Year Fixed | |
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Annual interest calculated
semi-annually not in advance.
At ING DIRECT, we believe that the best mortgage is no mortgage at all. That's why we've created the unmortgage®. It's a mortgage that's actually designed to let you pay off your mortgage as quickly as you can afford to. How? Well for starters, you'll always get our lowest rate - now and at the time of renewal. No hassles, no haggling. Plus, the unmortgage offers you the most flexible prepayment options available
Mutual Funds
We think investing should be for the long term. Not the long shot. Get The Streetwise Funds®.
Non-Registered Mutual Fund Account
Investing made easy - Get great mutual funds from brand name companies. Just what you expect from ING DIRECT Mutual Funds.
RSP Mutual Fund Account
Retiring made easy. The account designed to help you put money aside now so you can plan for your retirement.
Tax-Free Mutual Fund Account
Now you can grow your mutual fund investment tax-free! Diversify and save on fees when you invest in the whole market with The Streetwise Funds. A Tax-Free Mutual Fund Account is a great way to grow your investment faster; no taxes to pay means more of your money stays invested and keeps working for you – not the Tax Man. Invest up to $5000 per year in a Tax-Free Mutual Fund Account and you won’t pay any tax on the earnings. Start the tax-free new year off right. Now that’s how to invest like a Saver.
RIF Mutual Fund Account
When you're ready for retirement income, a RIF Mutual Fund Account allows you to draw the income you need while continuing to help you grow your investments. Think of it as an RSP in reverse.
Business Accounts
Make that money work for you. Your business can benefit from an ING DIRECT account.
Business Investment Savings Account (BISA)
You need to have cash on hand to run your business, but typical business accounts pay little or no interest. Put that money to work. Earn interest considerably higher than the average of the Big Five Banks and pay no fees or service charges.
US$ Business Investment Savings Account (US$ BISA)
You need to have cash on hand to run your business, but typical business accounts pay little or no interest. Put that money to work. Earn interest considerably higher than the average of the Big Five Banks and pay no fees or service charges.
Business Guaranteed Investment (GIC)
| ||
| 1 | Year | |
|---|---|---|
| 1 1/2 | Year | |
| 2 | Year | |
| 3 | Year | |
| 4 | Year | |
| 5 | Year | |
| ||
current per year interest rates
since
Your business needs the highest interest on its cash deposits. For funds that won't be needed for a while, improve your results with an ING DIRECT Business GIC.
Business Short Term Guaranteed Investment (GIC)
| ||
| 90 | days | |
|---|---|---|
| 180 | days | |
| 270 | days | |
| ||
current per year interest rates
Your business needs the highest interest on its cash deposits. For funds that won't be needed for a while, improve your results with an ING DIRECT Business Short Term GIC.
US$ Business Guaranteed Investment (GIC)
| ||
| 1 | Year | |
|---|---|---|
| 1 1/2 | Year | |
| 2 | Year | |
| 3 | Year | |
| 4 | Year | |
| 5 | Year | |
| ||
current per year interest rates
since
Your US dollars should work as hard as you do. To improve results for your business, put US funds in an ING DIRECT US$ Business GIC.
US$ Business Short Term Guaranteed Investment (GIC)
| ||
| 90 | days | |
|---|---|---|
| 180 | days | |
| 270 | days | |
| ||
current per year interest rates
Your US dollars should work as hard as you do. To improve results for your business, put US funds in an ING DIRECT US$ Business Short Term GIC.
Savings Account and GIC rates are annualized and are current as of today's date and are subject to change without notice. Interest is calculated daily and paid monthly in the case of our Savings Accounts; and is calculated daily and paid at maturity on a GIC.
Mortgage and other loan rates are annual rates and are subject to change without notice and are current as of today's date.
