Pipeline Health
Last Pipeline Run
UNKNOWN
None
Health Check
OK
All checks passed
Anomaly Detection
OK
No anomalies detected
BoC Prime Rate
4.45%
Overnight: 2.25%
Cron Health
OK
| Job | Status | Last Run | Issue |
|---|---|---|---|
| Virus Scan (my_backup) | OK | 2026-07-19 03:10 | — |
| System Image (my_backup) | OK | 2026-07-01 04:10 | — |
| Full Maintenance (my_backup) | OK | 2026-07-01 05:15 | — |
| Status Report (my_backup) | OK | 2026-07-19 09:00 | — |
| Asset History Weekly Update | OK | 2026-07-19 02:00 | — |
| MBR Health Check | OK | 2026-07-24 13:00 | — |
| MBR Daily Run | OK | 2026-07-24 10:02 | — |
Savings Snapshot
Best HISA
3.00%
Wealth One Bank of Canada
High Interest Savings
+2.99% vs inertia · $299/yr per $10k
Best GIC (3yr)
4.00%
EQ Bank
GIC 5-Year
Best Chequable
3.00%
Manulife Bank
Advantage Account
Savings Inertia
0.010%
TD Bank
TD Every Day Savings Account
What most Canadians earn by default
Debt Snapshot
CC Inertia (Standard APR)
20.99%
Big 6 Standard
What most carry revolving debt at
~$2099/yr interest on $10k balance
Best Low-Rate CC
8.99%
MBNA (TD Bank)
MBNA True Line Gold Mastercard
Save $1200/yr on $10k balance vs standard APR
Best HELOC
4.95%
TD Bank
TD Home Equity Line of Credit
Save $3208/yr on $20k vs carrying CC balance
Best Mortgage
3.40%
Broker Channel
Best 5-Year Variable (Insured)
Savings Products (45 products)
| Rate | Product | Institution | Category | Fine Print |
|---|---|---|---|---|
| 4.00% | GIC 5-Year | EQ Bank | gic_term | |
| 3.95% | GIC 5-Year | MAXA Financial | gic_term | not avail: QC |
| 3.95% | GIC 5-Year | Outlook Financial | gic_term | not avail: QC |
| 3.80% | GIC 4-Year | MAXA Financial | gic_term | not avail: QC |
| 3.75% | GIC 3-Year | MAXA Financial | gic_term | not avail: QC |
| 3.75% | GIC 3-Year | Outlook Financial | gic_term | not avail: QC |
| 3.70% | GIC 2-Year | Outlook Financial | gic_term | not avail: QC |
| 3.65% | GIC 3-Year | EQ Bank | gic_term | |
| 3.65% | GIC 2-Year | MAXA Financial | gic_term | not avail: QC |
| 3.65% | GIC 4-Year | Outlook Financial | gic_term | not avail: QC |
| 3.55% | GIC 2-Year | EQ Bank | gic_term | |
| 3.55% | GIC 1-Year | MAXA Financial | gic_term | not avail: QC |
| 3.50% | GIC 1-Year | Outlook Financial | gic_term | not avail: QC |
| 3.40% | GIC 15-Month | EQ Bank | gic_term | |
| 3.30% | GIC 1-Year | EQ Bank | gic_term | |
| 3.00% | High Interest Savings | Wealth One Bank of Canada | hisa | not avail: QC · Tiered structure: 2.60% under $10K, 2.75% $10K-$25K, 3.00% at $25K+. RESOLVED (2026-07-25): was DISPUTED — NerdWallet CA's rendered page shows 3.00% with an "up to" prefix and a "*Promotional rates offered by the bank" footnote. WOWA.ca's underlying API (wowa.ca/api/backend/savings/rates) has explicit separate `rate` and `promo_rate` fields; for WealthONE's $25K+ tier, `rate: 3.00, promo_rate: null` — i.e. WOWA's own data model does not classify this as promotional. Treating NerdWallet's page-rendering choice as weaker evidence than WOWA's structured field. needs_verification cleared. |
| 3.00% | RRSP HISA | Wealth One Bank of Canada | hisa | not avail: QC · No minimum balance required for the 3.00% rate (unlike the personal/TFSA HISA, which needs $25K+ for the top tier). Source: WOWA.ca API, 2026-07-25. |
| 3.00% | Advantage Account | Manulife Bank | chequable | Full chequing privileges with competitive interest rate. RESOLVED (2026-07-25): was DISPUTED — NerdWallet CA's rendered page shows 3.00% with an "up to" prefix and a "*Promotional rates offered by the bank" footnote. WOWA.ca's underlying API (wowa.ca/api/backend/savings/rates) has explicit separate `rate` and `promo_rate` fields; for Manulife's Advantage Account, `rate: 3.00, promo_rate: null` — i.e. WOWA's own data model does not classify this as promotional. Treating NerdWallet's page-rendering choice as weaker evidence than WOWA's structured field. needs_verification cleared. |
| 2.85% | High Interest Savings | Saven Financial | hisa | Ontario residents only. · not avail: BC, AB, SK, MB, NB, NS, PE, NL, QC, YT, NT, NU · Ontario residents only. |
| 2.80% | Oaken Savings Account | Oaken Financial | hisa | min $1,000 |
| 2.75% | Personal Account | EQ Bank | chequable | Open to Canadian residents. Direct deposit required for boosted rate. · No monthly fees. Unlimited e-transfers. Rate boosted with direct deposit. |
| 2.75% | 30-Day Notice Savings Account | EQ Bank | hisa | Must give 30 days notice before withdrawal. |
| 2.75% | GIC 6-Month | EQ Bank | gic_term | |
| 2.75% | Neo Savings Account | Neo Financial | hisa | Requires minimum combined balance across Neo Savings, Neo Everyday, and Neo HISA accounts. · Standard rate (no expiry). Condition: combined balance threshold across Neo accounts. |
| 2.70% | Smart eSavings Account | Bridgewater Bank | hisa | not avail: QC |
| 2.50% | GIC 3-Month | EQ Bank | gic_term | |
| 2.40% | High Interest Savings Account | Canadian Tire Bank | hisa | Not available in Quebec. · not avail: QC · Not available in QC. |
| 2.35% | 10-Day Notice Savings Account | EQ Bank | hisa | Must give 10 business days notice before withdrawal. |
| 2.30% | Happy High-Interest Savings Account | Hubert Financial | hisa | not avail: QC |
| 2.20% | PC Money Account | PC Financial (President's Choice Financial) | chequable | Debit + e-transfers. Rate applies to full balance. No monthly fees. |
| 2.00% | High Interest Savings Account | Steinbach Credit Union | hisa | not avail: BC, AB, ON, NB, NS, PE, NL, QC, YT, NT, NU · Tiered rate: 2.00% (<$100K), 2.10% ($100K–$249K), 2.25% ($250K+). |
| 1.80% | Achieva Savings | Achieva Financial | hisa | not avail: QC · MB/SK residents may have higher access. Unlimited deposits. |
| 1.80% | High Interest Savings Account | MAXA Financial | hisa | not avail: QC |
| 1.80% | High Interest Savings Account | Outlook Financial | hisa | not avail: QC |
| 1.80% | High Interest Savings Account | ATB Financial | hisa | Alberta residents only. · not avail: BC, SK, MB, ON, NB, NS, PE, NL, QC, YT, NT, NU |
| 1.25% | Neo High-Interest Savings Account | Neo Financial | hisa | No conditions. Lower rate product for those not meeting Neo Savings balance threshold. |
| 1.20% | e-Savings Account | Peoples Trust | hisa | |
| 1.05% | High Interest eSavings Account | Alterna Bank | hisa | |
| 0.85% | High Interest Savings Account | Meridian Credit Union | hisa | Ontario residents only. · not avail: BC, AB, SK, MB, NB, NS, PE, NL, QC, YT, NT, NU |
| 0.70% | Tangerine Savings Accountbenchmark | Tangerine | hisa | Open to Canadian residents. · Scotiabank digital subsidiary. Standard base rate scraped from product page footnote text. Promo rates (4.50%+) excluded. |
| 0.55% | RBC High Interest eSavings Accountbenchmark | RBC Royal Bank | hisa | Big 6 benchmark. Standard "regular" rate — excludes new-client promotional bonus. Scraped directly via curl_cffi from rbcroyalbank.com. |
| 0.45% | TD ePremium Savings Accountbenchmark | TD Bank | hisa | min $10,000 · TD's 'high interest' tier. 0.000% for <$10k, 0.450% for $10k+. Confirmed 2026-04-02. |
| 0.40% | Scotiabank Momentum Plus Savings Accountbenchmark | Scotiabank | hisa | Big 6 benchmark. Regular base rate before Momentum bonus periods. Scraped via curl_cffi. |
| 0.01% | TD Every Day Savings Accountbenchmark | TD Bank | hisa | Standard rate for all balance tiers. This is the "inertia baseline" — the rate most Canadians earn by default due to account inertia. Confirmed 2026-04-02 via Playwright scraper on tdcanadatrust.com rates page. |
| 0.01% | BMO Premium Rate Savings Accountbenchmark | BMO Bank of Montreal | hisa | Big 6 benchmark. 0.010% matches TD inertia baseline — confirms the rate is systemic across Big 6, not just TD. Scraped via curl_cffi. |
Debt Products (32 products)
Lower rate = better for borrowers. Standard APR cards marked as benchmarks — not recommendations.
| Rate | Product | Institution | Type | Notes |
|---|---|---|---|---|
| 3.40% | Best 5-Year Variable (Insured) | Broker Channel | Mortgage (Variable) | Best insured 5yr variable from broker channel. Prime − 1.10%. Scraped daily via RateHub. |
| 3.84% | Best 3-Year Variable (Insured) | Broker Channel | Mortgage (Variable) | Best insured 3yr variable from broker channel. Prime − 0.61%. Scraped daily via RateHub. |
| 3.89% | Best 3-Year Fixed (Insured) | Broker Channel | Mortgage (Fixed) | Best insured 3yr fixed from broker channel. Scraped daily via RateHub. |
| 3.89% | Best 2-Year Fixed (Insured) | Broker Channel | Mortgage (Fixed) | Best insured 2yr fixed from broker channel. Scraped daily via RateHub. |
| 3.99% | Best 5-Year Fixed (Insured) | Broker Channel | Mortgage (Fixed) | Best insured 5yr fixed from broker channel. Sourced via RateHub 2026-06-18. |
| 4.09% | Best 4-Year Fixed (Insured) | Broker Channel | Mortgage (Fixed) | Best insured 4yr fixed from broker channel. Scraped daily via RateHub. |
| 4.59% | Best 1-Year Fixed (Insured) | Scotiabank | Mortgage (Fixed) | Scotiabank 1yr fixed insured. Sourced via RateHub 2026-06-18. |
| 4.95% | TD Home Equity Line of Credit | TD Bank | HELOC | TD HELOC posted spread: Prime + 0.50%. Effective rate with Prime 4.45% = 4.95%. Requires home equity. Approval/rate may differ based on LTV and credit profile. |
| 4.95% | BMO Home Equity Line of Credit | BMO Bank of Montreal | HELOC | BMO HELOC posted spread: Prime + 0.50%. Effective rate = 4.95%. |
| 4.95% | Scotiabank STEP (Home Equity Line) | Scotiabank | HELOC | Scotiabank STEP HELOC: Prime + 0.50%. Effective rate = 4.95%. |
| 4.95% | Best 7-Year Fixed | Broker Channel | Mortgage (Fixed) | Best 7yr fixed rate from broker/bank channel. Scraped daily via RateHub. Insured/uninsured status not distinguished by RateHub's general table for this term — do not treat as a confirmed uninsured rate. |
| 5.35% | Best 10-Year Fixed | Broker Channel | Mortgage (Fixed) | Best 10yr fixed rate from broker/bank channel. Scraped daily via RateHub. Insured/uninsured status not distinguished by RateHub's general table for this term — do not treat as a confirmed uninsured rate. |
| 5.45% | RBC Homeline Plan (HELOC) | RBC Royal Bank | HELOC | RBC Homeline HELOC posted spread: Prime + 1.00%. Effective rate = 5.45%. Combined mortgage + HELOC product. Rate varies by credit profile. |
| 5.45% | CIBC Home Power Plan (HELOC) | CIBC | HELOC | CIBC HELOC: Prime + 1.00%. Effective rate = 5.45%. |
| 6.99% | New Vehicle Loan — Dealerhop | Dealerhop | Auto Loan | Best available auto loan rate from Dealerhop's lender marketplace. 6.99% for well-qualified borrowers on new vehicles. Sourced via RateHub 2026-06-18. |
| 7.20% | New Vehicle Loan — Big 6 Banks | TD Bank | Auto Loan | Starting rate from Big 6 banks (CIBC, TD, RBC, BMO, Scotiabank, National Bank) for new vehicles with good credit. Sourced via RateHub 2026-06-18. |
| 8.49% | Used Vehicle Loan — Big 6 Banks | TD Bank | Auto Loan | Starting rate from Big 6 banks for used vehicles (typically 0.5-1.5% above new vehicle rate). Sourced via RateHub 2026-06-18. |
| 8.99% | MBNA True Line Gold Mastercard | MBNA (TD Bank) | CC Low Rate | $89 annual fee. Lower rate — best option for larger ongoing balances. |
| 8.99% | Used Vehicle Loan — Clutch | Clutch | Auto Loan | All credit profiles including near-prime and subprime · Online used-car marketplace. Starting rate 8.99% for qualified borrowers; subprime rates available. Sourced via RateHub 2026-06-18. |
| 8.99% | Auto Loan — LoanConnect | LoanConnect | Auto Loan | All credit profiles; rate depends on credit score · Loan marketplace. Rate range 8.99%–35.00% depending on credit profile. Minimum rate shown is for best-qualified borrowers. Sourced via RateHub 2026-06-18. |
| 12.99% | MBNA True Line Mastercard | MBNA (TD Bank) | CC Low Rate | Canada's most widely known low-rate credit card. $0 annual fee. No rewards — pure low-rate product for carrying balances. |
| 12.99% | Scotiabank Value Visa Card | Scotiabank | CC Low Rate | $29 annual fee. Straightforward low-rate card from a Big 6 bank. |
| 12.99% | RBC Visa Classic Low Rate Option | RBC Royal Bank | CC Low Rate | $20 annual fee. RBC's low-rate card for balance carriers. |
| 13.99% | CIBC Select Visa Card | CIBC | CC Low Rate | $29 annual fee. CIBC's low-rate offering. |
| 13.99% | BMO Preferred Rate Mastercard | BMO Bank of Montreal | CC Low Rate | $29 annual fee. BMO's flagship low-rate credit card. |
| 19.95% | Tangerine Mastercard (Standard APR)benchmark | Tangerine | CC Standard | Tangerine World/Money-Back Mastercard. Standard purchase APR: 19.95%. |
| 20.99% | TD Credit Card (Standard APR)benchmark | TD Bank | CC Standard | Representative purchase APR for TD's standard credit cards (e.g., TD Cash Back Visa Infinite, TD Rewards Visa). Most TD cards are 20.99%. Confirmed via TD credit card rates page. |
| 20.99% | RBC Credit Card (Standard APR)benchmark | RBC Royal Bank | CC Standard | Representative purchase APR for RBC standard credit cards. Most RBC cards: 20.99%. |
| 20.99% | BMO Credit Card (Standard APR)benchmark | BMO Bank of Montreal | CC Standard | BMO standard credit cards. Most BMO cards: 20.99%. |
| 20.99% | Scotiabank Credit Card (Standard APR)benchmark | Scotiabank | CC Standard | Scotiabank standard credit cards (e.g., Scene+ Visa). Most Scotia cards: 20.99%. |
| 20.99% | CIBC Credit Card (Standard APR)benchmark | CIBC | CC Standard | CIBC standard credit cards (e.g., CIBC Dividend Visa). Most CIBC cards: 20.99%. |
| 35.00% | Auto Loan — Loans Canada | Loans Canada | Auto Loan | All credit profiles; rate depends on credit score and lender match · Comparison marketplace matching borrowers with lenders. Rates up to 35.00% APR. No stated minimum on RateHub. Rate shown is estimated starting rate for fair-credit borrowers. |
Rate Changes
| Product | Institution | Type | Before | After | Change | Detected | |
|---|---|---|---|---|---|---|---|
| ↑ | High Interest Savings | Wealth One Bank of Canada | hisa | 2.600% | 3.000% | +40 bps | 2026-07-24T10:48 |
| ↓ | Auto Loan — Loans Canada | Loans Canada | Auto Loan | 35.000% | 9.990% | -2501 bps | 2026-07-24T10:42 |
| ↑ | Best 3-Year Fixed (Insured) | Broker Channel | Mortgage (Fixed) | 3.890% | 4.040% | +15 bps | 2026-07-24T10:42 |
Scrape History
| Date | Records |
|---|---|
| 2026-07-25 | 88 |
| 2026-07-24 | 70 |
| 2026-07-23 | 75 |
| 2026-07-22 | 68 |
| 2026-07-21 | 68 |
| 2026-07-20 | 68 |
| 2026-07-19 | 68 |
| 2026-07-18 | 68 |
| 2026-07-17 | 68 |
| 2026-07-16 | 68 |
Recent Pipeline Log
Run complete (16.9s)
[2026-07-25 11:53:10] INFO : Step 1: complete
[2026-07-25 11:53:10] INFO : Step 2: rate-scanner export
✓ Exported 89 products → /home/ta/projects/mbr/rate-scanner/data/rates.json
Inertia baseline: 0.010% (TD Bank)
Best HISA: 3.00% (Wealth One Bank of Canada)
Delta: +2.99% — $299/yr per $10k
[2026-07-25 11:53:11] INFO : Step 2: complete
[2026-07-25 11:53:11] INFO : Step 3: build widget
✓ Built /home/ta/projects/mbr/benefit-snapshots/dist/index.html
Size: 53.7 KB (self-contained)
Products: 89 verified rates
Rates as of: 2026-07-25
Inertia: 0.010% (TD Bank)
Best: 3.00% (Wealth One Bank of Canada)
Widget headline delta: +2.99% = $2990/yr per $100k
[2026-07-25 11:53:11] INFO : Step 3: complete
[2026-07-25 11:53:11] INFO : Step 4: deploy to Cloudflare Pages
⛅️ wrangler 4.110.0 (update available 4.114.0)
───────────────────────────────────────────────
Uploading... (0/2)
Uploading... (1/2)
Uploading... (2/2)
✨ Success! Uploaded 2 files (1.23 sec)
🌎 Deploying...
✨ Deployment complete! Take a peek over at https://e0d97fbf.benefit-snapshots.pages.dev
[2026-07-25 11:53:17] INFO : Step 4: complete
[2026-07-25 11:53:17] INFO : Step 5: build ops dashboard