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Reference Library
Rates

Cash And Margin Rates

Interest rates applied to account balances.

Effective July 12, 2017, CIBC Wood Gundy interest rates are as follows:

Credit Cash Balances

Canadian DollarU.S. Dollar
$0.00 - $9,9990.00%0.00%
$10,000 - $24,9990.00%0.00%
$25,000 - $49,9990.00%0.00%
$50,000 - $59,9990.00%0.00%
$60,000 - $99,9990.00%0.00%
$100,000 - $249,9990.00%0.00%
$250,000 and over0.00%0.00%

Debit Cash Balances

Canadian DollarU.S. Dollar
$0.00 - $9,9995.20%6.50%
$10,000 - $24,9994.95%6.25%
$25,000 - $49,9994.70%6.00%
$50,000 - $99,9994.45%5.75%
$100,000 - $249,9994.20%5.50%
$250,000 and over4.20%5.50%

Registered Accounts

Canadian DollarU.S. Dollar
All Credit Balances0.00%0.00%
All Debit Balances5.20%6.50%

Special Products including AAA, Investment Consulting Services, Portfolio Partner and Advisor Managed Accounts

Canadian DollarU.S. Dollar
All Credit Balances0.00%0.05%
All Debit Balances3.70%5.00%


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Interest is calculated daily based on the closing debit or credit balance in the account and charged or paid monthly. Interest will begin to be calculated as soon as there is a debit or credit balance in the account. The interest accrual period is from the 16th day of the previous month to and including the 15th day of the current month, and is posted to the account on the 16th day of the current month. Interest on debit and credit balances will be calculated separately at the appropriate tiered rates. CIBC Wood Gundy will set the interest rates on debit and credit balances. Interest rates and the terms of interest rates applicable to debit or credit balances are subject to change from time to time in the sole discretion of CIBC Wood Gundy without further notice and may vary according to the size of the debit or credit balance. Interest amounts less than C$5.00 per month are neither charged nor paid on regular accounts and interest amounts less than C$1.00 per month are neither charged nor paid on registered accounts. Current interest rates and terms of interest rates may be obtained free of charge from your CIBC Wood Gundy Investment Advisor or by calling CIBC Wood Gundy Client Relations at 1 800 563-3193 or by visiting www.woodgundy.com. If interest is charged for a debit balance or paid for a credit balance, the applicable interest rates will be shown on the relevant monthly statement.

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