Prospera is applying to continue federally for the purposes of immediately merging with Coast Capital and Sunshine Coast credit unions. Find out more here.
For full details about changes in deposit insurance, see the Notice Pursuant to the Disclosure on Continuance Regulations.
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Personal savings account
Personal banking

Personal savings account

A great way to save and still have the flexibility to access money when you need it. 

An everyday savings account

Stay flexible with more free transactions while still earning interest every month. Save for your next small or large purchase and don’t get dinged any additional fees when you need to access the money.

Monthly features

  • 5 free transactions
  • Interest calculated daily, paid monthly
  • Free electronic statement

Interest rate


Monthly fee

  • Free



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Used all 5 of your free transactions? No problem!

These services are included in your 5 monthly transactions, but if you need more once in a while, here’s what you'll be charged* for the 6th transaction and beyond:
Services
 Fee
Withdrawals $1.00
Transfers – in branch $1.00
Pre-authorized debits $1.00
Debit card purchases $1.00
Bill payments – in branch  $1.00
Bill payments – electronic $1.00


Additional services charges*

Since these services aren’t directly related to everyday banking, they’re not included in your 5 monthly transactions:
Services
 Fee
Interac® e-Transfers (each)  $1.00
All Canadian credit union ATM withdrawals  $1.00
Interac® ATM withdrawals  $2.50
USA EXCHANGE and Foreign Cirrus ATM withdrawals  $3.50

Explore all accounts

High growth savings account

Rev up your savings with a premium interest rate. You’ll accumulate more, faster.

View details

Compare all

See a side-by-side comparison of the key features of our savings accounts to help you decide which works best for you.

Compare accounts

Ways to bank with us

The many ways you can access your accounts, documents, statements, and more:
Bank online by signing into your account at Prospera.ca
Do your banking anywhere with the Prospera mobile banking app
Do your banking at one of over 4,000 ATMs across canada
Choose a time and date that works best for you, in person, by phone, or video call.
Choose a time and date that works best for you, in person, by phone, or video call.

More ways to bank

Term deposits offer guaranteed returns and peace of mind.

Personal investing

Build savings safely

There are enough ups and downs in life. Save your money in a term deposit and enjoy guaranteed returns. 
Find out more

*Transaction fees are subject to change without notice.