High-Interest Liquidity Accounts Comptes de Liquidité à Haut Rendement

The Problem With Parking Capital in a Canadian Chartered Bank

High-net-worth Canadians accumulate significant balances between investment transactions, property purchases, estate distributions, and business liquidity events. The five major Canadian chartered banks offer savings rates that have historically trailed the Bank of Canada overnight rate by a material margin — effectively charging you for the privilege of lending them your money.

St. Lawrence Gate's High-Interest Liquidity Accounts are structured as institutional-grade vehicles that access the same money market instruments available to pension funds and insurance companies. The result is a meaningfully higher return on capital that would otherwise sit idle.

How the Structure Works

Your liquidity capital is placed into a managed pool of Government of Canada treasury bills, provincial short-term paper, and investment-grade commercial paper. All instruments are Canadian-domiciled. All maturities are managed on a ladder structure to ensure you retain access to your capital within the notice period specified in your client agreement.

Unlike a high-interest savings account, there is no restriction on the number of transactions per month and no threshold below which the promotional rate disappears. The rate you see is the rate you receive on your full balance.

CDIC Coverage and Capital Protection

St. Lawrence Gate coordinates liquidity structures with full awareness of Canada Deposit Insurance Corporation coverage limits. For clients whose liquid balances exceed the per-category CDIC insurable maximum, we structure multi-institution arrangements that maintain full protection without sacrificing return or accessibility.

Minimum Balance and Eligibility

High-Interest Liquidity Accounts at St. Lawrence Gate are available to qualifying clients with a minimum liquid balance of $500,000. Accounts are reviewed quarterly and the rate structure is adjusted to reflect prevailing market conditions, always with advance notice to the client.