To earn higher interest on cash (CDN or USD) in an RRSP, TFSA or a cash account that you want to keep liquid, use an investment savings accounts (ISA) available from various banks. These can be purchased like a mutual fund but are actually a type of savings account. Priced at either $1.00 or $10.00 per unit. They don't pay interest per se, the unit price remains the same but you receive additional units.
| Institution | CDN | USD |
| TICKER SYMBOL | ||
| Scotiabank | DYN5000 | DYN5001 |
| Royal Bank | RBF2010 | RBF2014 |
| TD Bank | TDB8150 | TDB8152 |
| CIBC | ALT5078 | — |
| Desjardin Bank | DJQ1000 | — |
| TICKER | Rates as of 2026-01-01 | |
| DYN5000 | CAD | 1.95% |
| DYN5001 | USD | 3.15% |
| RBF2010 | CAD | 1.8% |
| RBF2014 | USD | 3.15% |
| TDB8150 | CAD | 1.8% |
| TDB8152 | USD | 3.15% |
| ALT5078 | CAD | 1.9% |
| DJQ1000 | CAD | 1.95% |
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