Canadian Imperial Bank of Commerce Mortgage Rates
Compare current Canadian Imperial Bank of Commerce mortgage rates in Canada
Ambition meets innovation with the CIBC Home Power Plan.
By Andrew · Sources: the lender’s public rate pages, collected into the table on this page. Confirm the contract rate, fees, and eligibility with the lender before you apply.
Best Canadian Imperial Bank of Commerce Rates
Lowest rates by product type
Rate Overview
Best rate for each term and product type
| Term | Fixed Insured | Fixed Uninsured | Variable Insured | Variable Uninsured |
|---|---|---|---|---|
| 1 year | — | 5.09%5.14% | — | — |
| 2 years | — | 4.84%5.24% | — | — |
| 3 years | — | 5.09%6.14% | — | 4.15% |
| 4 years | — | 5.24%6.19% | — | — |
| 5 years | 4.99%6.49% | 5.34%6.49% | 4.05% | 4.20% |
| 7 years | — | 5.54%6.30% | — | — |
Posted vs what borrowers actually get
Canadian Imperial Bank of Commerce rates self-reported by Canadian borrowers online, last 30 days, as of October 4, 2026. The posted rate is this bank's uninsured rate in the current snapshot. Insured status on the reports is often unstated, so each row combines every status.
Where a report could be matched to Canadian Imperial Bank of Commerce's own posted rate, the median discount is 0.65 pts below that posted rate (N = 12).
Canadian Imperial Bank of Commerce · 3-year fixed
N = 5 · small sample
Reported 3.95% · posted 4.95% · 1.00 pts below posted
Rows with N under 10 are labeled small sample. Comparisons without a posted rate in the snapshot are left off the chart.
Fixed Rate Mortgages
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About Canadian Imperial Bank of Commerce
CIBC is a leading Canadian bank offering competitive mortgage rates and the innovative CIBC Home Power Plan, which combines a mortgage with a home equity line of credit to give borrowers flexible access to funds at low interest rates. CIBC provides fixed-rate, variable-rate, and convertible mortgages, along with specialized products for newcomers to Canada and investment properties. Their online mortgage tools, including payment calculators and pre-approval, make it easy to explore options from anywhere. CIBC mortgage advisors offer personalized advice with no cost or obligation, helping clients understand prepayment options and mortgage renewal strategies.
Mortgage Specialties
Unique Features
- Home Power Plan: mortgage + HELOC combo
- Convertible mortgage options
- Prepayment flexibility
- Personalized mortgage advice
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