CIBC eAdvantage Savings Account
CIBCA high promo rate plus a Smart Interest bonus if you save consistently each month.
Regular rate 0.20%–0.80%, plus a 0.25% Smart Interest bonus when you deposit $200 or more a month.
Rate verified August 3, 2026 · confirm with CIBC before applying.
What this account could grow to
Pre-filled with the ongoing rate of 0.8%. Promotional rates don't last, so the ongoing figure is the honest basis for a long-term projection.
Run the numbers
Frequently asked questions
What interest rate does the CIBC eAdvantage Savings Account pay?
It pays a promotional 4.6% for the first 4 months, then reverts to 0.8%. Promotional rates are the headline, but the ongoing rate is what matters if you're leaving money there long term.
Are there fees or minimums on the CIBC eAdvantage Savings Account?
There's no monthly fee, and no minimum balance is required. Deposits are CDIC insured up to the applicable limits.
How current is this rate?
We last verified it on August 3, 2026. Rates on deposit accounts move frequently, so confirm the current figure with CIBC before you apply.
Other savings accounts
Researching and writing about Canadian personal finance since 2026.
Last reviewed August 2026 · How we research
“CIBC eAdvantage Savings Account.” VaultNerd, https://www.vaultnerd.com/ca/savings-accounts/cibc-eadvantage-savings, updated August 2026.
- CIBC published product and rate pages
- VaultNerd products database