加拿大最佳高息储蓄账户
截至2026年10月6日，我们追踪的最高长期储蓄利率为 Saven Financial（Saven Financial High-Interest Savings Account）的 2.85%。另有 4 个账户为新存款提供更高的优惠利率，最高 4.6%；转移资金前请留意优惠期有多长。
| 账户 | 机构 | 长期利率 | 优惠利率 | CDIC |
|---|---|---|---|---|
| Saven Financial High-Interest Savings Account | Saven Financial | 2.85% | — | — |
| Oaken Financial Savings Account | Oaken Financial | 2.8% | — | 是 |
| Wealth One Bank of Canada High-Interest Savings Account | Wealth One Bank of Canada | 2.6% | — | 是 |
| Wealthsimple Cash High-Interest Savings Account | Wealthsimple | 2.5% | — | 是 |
| Canadian Tire Bank High-Interest Savings Account | 加拿大轮胎银行 | 2.4% | — | 是 |
| EQ Bank Notice Savings Account | EQ Bank | 2.35% | — | 是 |
| Laurentian Bank High-Interest Savings Account | Laurentian Bank | 2.2% | — | 是 |
| Neo Savings Account | Neo Financial | 2% | — | 是 |
| Steinbach Credit Union High-Interest Savings Account | Steinbach Credit Union | 2% | — | — |
| Home Trust High-Interest Savings Account | Home Trust Company | 1.9% | — | 是 |
高息储蓄账户安全吗？
CDIC 会员银行的存款，在每家机构每个合格类别最高保障 $100,000。信用合作社存款则由省级保险机构保障。
优惠利率还是长期利率更重要？
优惠利率通常只适用于新存款，为期几个月。长期存放的资金，长期利率更重要。