Interest Rate Database
Live and historical interest rates from 40+ Canadian lenders across GICs, high-interest savings accounts, registered GICs, and both insured and uninsurable mortgage rates — delivered via API for teams that need to integrate the data directly into their systems.
Dataset 01
Savings Accounts Interest Rates
Guaranteed Investment Certificates (GIC) Rates
Get access to current and historical GIC rates data for most terms and covering most GIC providers in Canada. WOWA Data Labs provides the most accurate and up-to-date GIC rates data by collecting rates directly from each provider's website, in a process called data scraping, or by getting rates directly from the lenders. Our data includes GIC rates for various terms such as 1-year, 3-year, 5-year, and more for non-redeemable, redeemable, and registered GICs from top providers in Canada.
Monitoring Competitors' Rate Changes
GIC providers can use the extensive GIC rate data provided by WOWA Data Labs to perform comprehensive comparisons and strategic evaluations of their own GIC offerings and benchmark their rates against the competition. Access to WOWA Data Labs' real-time data also allows providers to immediately identify any shifts in competitor rates, and make informed strategic decisions by understanding the timing and magnitude of competitors' rate changes.
Savings Accounts Interest Rates
Stay informed on the latest interest rates for savings accounts from various financial institutions across Canada. Updated daily, our savings account rates data covers both traditional and online banks, as well as fintech companies such as Neo and Wealthsimple. With this data, financial institutions can ensure their savings account rates are attractive and competitive, enhancing their appeal to potential customers and retaining existing ones.
- GIC rates for 1-year, 3-year, 5-year and more
- Non-redeemable, redeemable and registered GICs
- High-interest savings account rates, updated daily
- Traditional banks, online banks and fintechs (Neo, Wealthsimple)
Dataset 02
Historical Mortgage Interest Rates
WOWA Data Labs offers current and historical mortgage rate data from over 40 mortgage lenders and major brokerages in Canada for almost all terms. Mortgage rate data is collected three times daily, with the most recent change saved for each day, providing users with up-to-date and reliable information.
The data provided includes mortgage indices — mortgage rate baskets tracked by WOWA that include the average rate of 10 large Canadian mortgage lenders. With access to this data, financial institutions can gain insights into market trends, competitive positioning, and industry benchmarks, and make informed decisions about their own offerings. This level of analysis, supported by up-to-date data, allows banks to stay ahead of the competition and remain agile in an ever-changing market.
WOWA Data Labs also provides a detailed forecast of the lowest expected mortgage rates, expected prime rates, and the Bank of Canada's policy rate, allowing users to anticipate changes and strategize their financial planning accordingly — including insights into the likelihood of upcoming interest rate changes by the Bank of Canada for each meeting date.
- Rates from 40+ mortgage lenders and major brokerages
- Almost all terms, collected three times daily
- WOWA mortgage indices (basket of 10 large lenders)
- Historical series for spread and trend analysis
- Lowest-rate forecasts and Bank of Canada policy outlook
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Integrate the data directly into your systems
Available via API for teams that need live and historical Canadian interest rate data. Tell us about your organization and our team will be in touch.
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Tell us about your organization and we'll get you set up with API access to WOWA's live and historical interest rate data.