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Cash and Margin Rates

Interest rates applied to account balances.

Effective March 16, 2017, CIBC Investor's Edge interest rates are as follows:

Investment Accounts
Canadian Dollar U.S. Dollar
All Credit Balances 0.00% 0.00%
All Debit Balances 4.25% 5.25%

Registered Accounts
Canadian Dollar U.S. Dollar
All Credit Balances 0.00% 0.00%
All Debit Balances 5.25% 6.25%

Get The Edge

Our comprehensive range of products and services can help you prepare and implement financial strategies to address your goals. You can open a CIBC Investor’s Edge account online or by calling our Investment Representatives at 1 800 567-3343.

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 Investor’s Edge 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 Investor’s Edge 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 a CIBC Investor’s Edge Investment Representative by calling 1 800 567-3343 or by visiting 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.

The information contained herein is considered accurate at the time of posting. CIBC, CIBC World Markets Inc. and CIBC Investor Services Inc. reserve the right to change any of it without prior notice. It is for general information purposes only. Clients are advised to seek advice regarding their particular circumstances from their personal tax advisors.

CIBC Investor's Edge is the discount brokerage division of CIBC Investor Services Inc., member of the Canadian Investor Protection Fund. CIBC Investor Services Inc. does not provide you with any legal, tax, or accounting advice or advice regarding the suitability or profitability of a security or investment in a CIBC Investor's Edge account. You assume full responsibility for transactions in your CIBC Investor's Edge account and for your investment decisions.

The information on this Web site is general only; it is not intended as specific investment, financial, accounting, legal or tax advice for any individual, and you should not rely on it as such.

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