Accessibility Quick Links
Get started with a CIBC Investment Account
Planning tools
Access tools to help you set your goals and plan your investments. Sign on to mobile banking to set up your CIBC Smart Planner™.
If you’re an Imperial Service client, sign on to online banking to get started with CIBC GoalPlanner™.
Investment growth calculator
Find out what your regular investment contributions could be worth in the future.
Accounts and investments
Available accounts
Available investments
Cash rates
Non-registered accounts
| Type of balance | CAD | USD |
|---|---|---|
| All credit balances | 0.00% | 0.00% |
| All debit balances | 8.75% | 9.50% |
Registered accounts
| Type of balance | CAD | USD |
|---|---|---|
| All credit balances | 0.00% | 0.00% |
| All debit balances | 9.75% | 10.50% |
Foreign currency transactions1
| Tier (USD) | Spread (basis points)2 | Spread (%) Calculated using Bank of Canada exchange rate3 |
|---|---|---|
$0 to $4,999.99 |
200 |
1.5% |
$5,000 to $24,999.99 |
180 |
1.4% |
$25,000 to $74,999.99 |
130 |
1.0% |
$75,000 to $99,999.99 |
90 |
0.7% |
$100,000 to $249,999.99 |
75 |
0.6% |
$250,000 to $499,999.99 |
40 |
0.3% |
$500,000 to $999,999.99 |
35 |
0.3% |
$1,000,000 and up |
25 |
0.2% |
CIBC Investment Accounts are offered by CIBC Securities Inc. and CIBC Investor Services Inc., subsidiaries of CIBC.