Dual Rate Investment Account

Earn a great interest rate of up to 1.1%1 on stable2 funds up to $20,000,000.3 
Dual Rate Investment Account

High interest earning potential

Full liquid Canadian Investment Account to enhance your cash flow

Existing customer? Apply now

Top reasons to choose this account

  • Fully liquid Canadian investment account to enhance your cash flow 

  • Pays more interest for stable balances

  • Saves you time with online and on-the-go access

  • Only pay for the services you use

  • Has no monthly account maintenance fee if you maintain a $6,000 minimum monthly balance 4

  • Account Details

    Monthly Record-keeping Options and Fees, for complete details review Your Guide to Fees and Interest Schedules.

    Interest Rate

    Interest is paid on the stable2 and fluctuating balances.
    Stable3 balances:  
    $1,000,000 - $20,000,000 1.10%
    $50,000 - $999,999 0.90%

    Investment Balance is the stable portion of your balance that is defined as the lowest end of day balance over the current Investment Period. The rate is applied to the entire Investment Balance within the highest applicable tier.

    Fluctuating Balance
    Rate3 on fluctuating balance is 0.25% 

    For complete details on interest rate calculations, please click here 

    Helpful Account Services

    Great services to help you manage your money

    Free Scotia® InfoAlerts

    Get an email or text notification every time money moves through your account.

    Find out more.

    Manage your money safely and efficiently with wire payments, Canadian and US dollar EFT payments (payables and receivables), pay your taxes, and more. 

    Find out how.
    Direct Deposit

    Have your paycheque, pension and more automatically deposited into your account and access your money right away. 

    Set it up
    Overdraft Protection for business

    Manage everyday expenses knowing you won't be caught short of funds 

    Protect your account
    Pay with your phone

    Forgot your wallet? Use your smartphone to pay for small everyday purchases.

    Learn more
    Pre-Authorized Payments

    Pay your Internet, cell phone bill and more automatically. No missed due dates and no late fees.

    Set up a payment

    Additional Information

    Interac debit card purchases, ABM cash withdrawals, bill payments (including pre-authorized debits), account transfers and cheques.

    Eligible for CDIC Insurance5

    For full details of coverage limitations, refer to the CDIC brochure. Protecting Your Deposits (38kb), or ask for a copy at your Scotiabank branch

    Protecting Your Deposits
    Your Guide to Fees and Interest Schedules

    Monthly Record-keeping Options and Fees, for complete details review 

    Summary of Account Fees

    Other ways to apply

    In person

    Make an appointment

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    By Phone

    Make an appointment

    1 (877) 552-5522