CI Direct High Interest Savings
As of October 22, 2026, the CI Direct High Interest Savings pays 1.25% interest on savings.
CDIC insuredRates verified October 22, 2026
Calculate your CI Direct Investing interest
Conditions: None; no minimum deposit, no account fees
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Key account terms
A high-interest savings option from CI Financial, often used alongside investment accounts.
- Monthly fee
- $0
- Minimum deposit
- $0
- Transactions
- Limited
- Transfer speed
- 1-3 Days
Pros and considerations
What we like
- Good rates for an investment platform
- CDIC insured capital preservation
- Easy transfer to/from investments
Watch out for
- Requires CI Direct account
- Less accessible for daily banking
- Web-focused
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Frequently Asked Questions
Everything you need to know about CI Direct Investing's savings rates, terms, and account features.
Is this a standard bank account?
It is typically held within the CI Direct Investing brokerage structure.
Is CI Direct Investing deposit-insured and safe?
Yes. With CI Direct Investing, eligible deposits are insured up to $100,000 per category by the Canada Deposit Insurance Corporation (CDIC). This protection guarantees that your principal deposit and accumulated interest remain safe against institutional failure.
How is interest calculated and paid on the CI Direct High Interest Savings?
Interest is calculated daily based on your account's closing balance and deposited directly into your balance on the final business day of each month, compounding your yield monthly.
Can I withdraw my money from CI Direct Investing at any time?
Yes. Unlike a GIC (Guaranteed Investment Certificate) which locks in funds for a predetermined duration, this high-interest savings account offers complete liquidity. You can transfer money out at any time without penalty or loss of earned base interest.
How is interest earned at CI Direct Investing taxed in Canada?
In non-registered accounts, interest earned is treated as regular taxable income by the Canada Revenue Agency (CRA). CI Direct Investing will issue a T5 tax slip if your annual interest exceeds $50 (or upon request for lower amounts). If held inside a TFSA, interest is 100% tax-free.
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