Updated October 20, 2026

TD vs Scotiabank: Cards, Lines of Credit, Loans and Mortgages Compared

TD or Scotiabank? Compare their lowest credit card, line of credit, loan and mortgage rates side by side, from each bank's own site.

Lowest rateTDScotiabank
Lowest credit card rate21.99%TD Cash Back Visa Infinite Card9.99%Scotiabank Platinum American Express Card
Unsecured line of credit——
Home equity line of credit——
Personal or consolidation loan——
5-year fixed mortgage5.39%TD 5 Year Fixed Closed—
5-year variable mortgage4.29%TD 5 Year Variable Closed—

Where both banks publish a rate, Scotiabank is cheaper in 1 of 1 categories. A dash means the bank doesn't publish that rate or we couldn't confirm it on its site. The cheapest option for you depends on your credit and what you need it for.

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Advertised rates only. Your rate depends on your credit, so check the bank’s page before you apply.

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