Hubert 1-yr Quarterly Term 4.75% avg, Savings account 3.40%, Updated March 17, 2023

March 17, 2023
The first three months: 4.6%.
Months four to six: 4.7%.
Months seven to nine: 4.8%.
The last three months: 4.9%.
Avg 4.75%

Feb 2, 2023
High-interest saving rate up to 3.40%

https://www.happysavings.ca/products/te ... ear-terms/

https://www.happysavings.ca/rates/

For reference, you may also correlate the rate changes with:

• BoC 2022 rate schedule
• BoC 2023 rate schedule
• BoC rate chart
• US Fed rate schedule
• US Fed rate chart

Some previous rates:

Feb 17, 2023
The first three months: 4.85%.
Months four to six: 4.95%.
Months seven to nine: 5.05%.
The last three months: 5.15%.
Avg 5.00%

Feb 2, 2023
The first three months: 4.70%.
Months four to six: 4.80%.
Months seven to nine: 4.90%.
The last three months: 5.00%.
Avg 4.85%

Dec 19, 2022
The first three months: 4.45%.
Months four to six: 4.55%.
Months seven to nine: 4.65%.
The last three months: 4.75%.
Avg 4.6%

Dec 19, 2022
High-interest saving rate up to 3.25%

Nov 4, 2022
The first three months: 4.35%.
Months four to six: 4.45%.
Months seven to nine: 4.55%.
The last three months: 4.65%.
Avg 4.5%

Nov 4, 2022
High-interest saving rate up to 3%

Sept 19, 2022
The first three months: 4.25%.
Months four to six: 4.35%.
Months seven to nine: 4.45%.
The last three months: 4.55%.
Avg 4.4%

Sept 19, 2022
High-interest saving rate up to 2.85%

July 27, 2022
The first three months: 4.1%.
Months four to six: 4.2%.
Months seven to nine: 4.3%.
The last three months: 4.4%.
Avg 4.25%

July 15, 2022
High-interest saving rate up to 2.60%

July 15, 2022
The first three months: 3.95%.
Months four to six: 4.05%.
Months seven to nine: 4.15%.
The last three months: 4.25%.
Avg 4.10%

July 6, 2022
The first three months: 3.60%.
Months four to six: 3.70%.
Months seven to nine: 3.80%.
The last three months: 3.90%.
Avg 3.75%

June 9, 2022
The first three months: 3.10%.
Months four to six: 3.20%.
Months seven to nine: 3.30%.
The last three months: 3.40%.
Avg 3.25%

June 9, 2022
High-interest saving rate up to 2.05%

May 26, 2022
The first three months: 3.05%.
Months four to six: 3.15%.
Months seven to nine: 3.25%.
The last three months: 3.35%.
Avg 3.20%

May 13, 2022
The first three months: 2.50%.
Months four to six: 2.60%.
Months seven to nine: 2.70%.
The last three months: 2.80%.
Avg 2.65%

April 22, 2022
High-interest saving rate up to 1.70%

April 8, 2022
The first three months: 2.10%.
Months four to six: 2.20%.
Months seven to nine: 2.30%.
The last three months: 2.40%.
Avg 2.25%

April 18, 2022
High-interest saving rate up to 1.50%

April 1, 2022
The first three months: 1.85%.
Months four to six: 1.95%.
Months seven to nine: 2.05%.
The last three months: 2.15%.
Avg 2.00%

March 8, 2022
The first three months: 1.65%.
Months four to six: 1.75%.
Months seven to nine: 1.85%.
The last three months: 1.95%.
Avg 1.80%

March 8, 2022
High-interest saving rate up to 1.40%

Dec 15, 2021
The first three months: 1.85%.
Months four to six: 1.95%.
Months seven to nine: 2.05%.
The last three months: 2.15%.
Avg 2.0%

Dec 15, 2021
High-interest saving rate up to 1.25%

Nov 18, 2021
The first three months: 1.35%.
Months four to six: 1.45%.
Months seven to nine: 1.55%.
The last three months: 1.65%.
Avg 1.5%

Oct 29, 2020
The first three months: 1.25%.
Months four to six: 1.35%.
Months seven to nine: 1.45%.
The last three months: 1.55%.
Avg 1.4%

Oct 29, 2020
High-interest saving rate down to 1.3%

Oct 8, 2020
The first three months: 1.35%.
Months four to six: 1.45%.
Months seven to nine: 1.55%.
The last three months: 1.65%.
Avg 1.5%

Oct 8, 2020
High-interest saving rate down to 1.4%

Sept 4, 2020
The first three months: 1.45%.
Months four to six: 1.55%.
Months seven to nine: 1.65%.
The last three months: 1.75%.
Avg 1.6%

Aug 27, 2020
High-interest saving rate down to 1.5%

Aug 6, 2020
The first three months: 1.55%.
Months four to six: 1.65%.
Months seven to nine: 1.75%.
The last three months: 1.85%.
Avg 1.7%

High-interest saving rate down to 1.6%

July 23, 2020
The first three months: 1.7%.
Months four to six: 1.8%.
Months seven to nine: 1.9%.
The last three months: 2.0%.
Avg 1.85%

High-interest saving rate down to 1.75%

July 9, 2020
The first three months: 1.75%.
Months four to six: 1.85%.
Months seven to nine: 1.95%.
The last three months: 2.05%.
Avg 1.90%

June 11, 2020
The first three months: 1.80%.
Months four to six: 1.90%.
Months seven to nine: 2.00%.
The last three months: 2.10%.
Avg 1.95%

High-interest saving rate down to 1.80%

June 2, 2020
The first three months: 1.85%.
Months four to six: 1.95%.
Months seven to nine: 2.05%.
The last three months: 2.15%.
Avg 2.0%

High-interest saving rate down to 1.90%

May 21, 2020
The first three months: 1.95%.
Months four to six: 2.05%.
Months seven to nine: 2.15%.
The last three months: 2.25%.
Avg 2.1%

May 14, 2020
The first three months: 2.00%.
Months four to six: 2.10%.
Months seven to nine: 2.20%.
The last three months: 2.30%.
Avg 2.15%

May 9, 2020
The first three months: 2.05%.
Months four to six: 2.15%.
Months seven to nine: 2.25%.
The last three months: 2.35%.
Avg 2.2%

April 30, 2020
The first three months: 2.15%.
Months four to six: 2.25%.
Months seven to nine: 2.35%.
The last three months: 2.45%.
Avg 2.3%

March 27, 2020
The first three months: 2.25%.
Months four to six: 2.35%.
Months seven to nine: 2.45%.
The last three months: 2.55%.
Avg 2.4%

March 19, 2020
The first three months: 2.10%.
Months four to six: 2.15%.
Months seven to nine: 2.20%.
The last three months: 2.30%.
Avg 2.2% (2.1875)

High-interest saving rate down to 2.00%
USD savings down to 0.25%

March 13, 2020
The first three months: 2.35%.
Months four to six: 2.40%.
Months seven to nine: 2.45%.
The last three months: 2.55%.
Avg 2.4% (2.4375)

March 2, 2020
The first three months: 2.45%.
Months four to six: 2.55%.
Months seven to nine: 2.65%.
The last three months: 2.75%.
Avg 2.6%

Jan 1, 2020
The first three months: 2.35%.
Months four to six: 2.45%.
Months seven to nine: 2.55%.
The last three months: 2.65%.
Avg 2.5%

Oct 28, 2019
The first three months: 2.25%.
Months four to six: 2.35%.
Months seven to nine: 2.45%.
The last three months: 2.55%.
Avg 2.4%

Aug 30, 2019
The first three months: 2.35%.
Months four to six: 2.45%.
Months seven to nine: 2.55%.
The last three months: 2.65%.
Avg 2.5%

June 5, 2019
The first three months: 2.45%.
Months four to six: 2.55%.
Months seven to nine: 2.65%.
The last three months: 2.75%.
Avg 2.6%

Their High-interest saving rate went down to 2.25%

April 18, 2019
The first three months: 2.70%.
Months four to six: 2.80%.
Months seven to nine: 2.90%.
The last three months: 3.00%.
Avg 2.85%

Their High-interest saving rate went down to 2.35%

April 1, 2019
The first three months: 2.85%.
Months four to six: 2.95%.
Months seven to nine: 3.05%.
The last three months: 3.15%.
Avg 3.0%

Dec 23, 2018
The first three months: 2.95%.
Months four to six: 3.05%.
Months seven to nine: 3.15%.
The last three months: 3.25%.
Avg 3.1%

Dec 23, 2018
Their High-interest saving rate went back up to 2.50%

Dec 14, 2018
Their High-interest saving rate is now 2.3% for regular savings, still 2.5% for TFSA, RRSP, RRIF

Nov 2, 2018
The first three months: 2.80%.
Months four to six: 2.90%.
Months seven to nine: 3.00%.
The last three months: 3.10%.
Avg 2.95%

Nov 2, 2018
Their High-interest saving rate is also now 2.50%

Aug 2, 2018
The first three months: 2.70%.
Months four to six: 2.80%.
Months seven to nine: 2.90%.
The last three months: 3.00%.
Avg 2.85%
High-interest savings: 2.35%

Feb 13, 2018
High-interest savings: 2.10%

June 26, 2018
The first three months: 2.40%.
Months four to six: 2.50%.
Months seven to nine: 2.60%.
The last three months: 2.70%.
Avg 2.55%

Jan 19, 2018
The first three months: 2.30%.
Months four to six: 2.40%.
Months seven to nine: 2.50%.
The last three months: 2.60%.
Avg 2.45%
High-interest savings: 2.00%

Nov 29, 2017
The first three months: 2.10%.
Months four to six: 2.20%.
Months seven to nine: 2.30%.
The last three months: 2.40%.
Avg 2.25%

Two-year term – 2.00%
Three-year term – 2.05%
Four-year term – 2.15%
Five-year term – 2.40%
Avg: 2.15%

Nov 14, 2016
Q1: 1.90%
Q2: 2.00%
Q3: 2.10%
Q4: 2.20%
Avg: 2.05%


See https://www.happysavings.ca/rates/ for general rate info. Their USD account is 0.75% now which is one of the highest in Canada.