4-Year GIC Rates - Non-Registered

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4-Year GIC Rates for Non-Registered Accounts

Financial Institution 4-Year GIC Redeemable Redeemable Term Minimum Deposit
Achieva Financial 3.5500 no 1,000
Alterna Bank 2.9500 no 500
Alterna Savings 2.9500 no 500
  - yes 500
Bank of Montreal 2.8000 no 1,000
Bank of Nova Scotia 2.7500 no 1,000
  3.2000 yes 500
  - cashable 30 days 1,000
Bk Nova Scotia Mtg. Corp 2.7500 no 1,000
  1.0000 yes 500
  - cashable 30 days 1,000
Bridgewater Bank 3.2000 no 5,000
  - cashable 30 days 5,000
CIBC .5500 yes 1,000
  - cashable 30 days 1,000
CIBC Trust Corp. 2.3000 no 1,000
Canadian Tire Bank 2.5000 no 1,000
Coast Capital Savings 3.2000 no 1,000
  - cashable 30 days 1,000
Community Trust 3.6800 no 5,000
Comtech Fire Credit U. 3.1500 no 5,000
Concentra Bank 3.6600 no 5,000
  - cashable 30 days 5,000
Desjardins - Caisses 3.1000 no 1,000
  - cashable 30 days 1,000
EQ Bank 3.7500 no 100
Effort Trust 2.6500 no 1,000
Empire Life 2.7000 yes 500
Equitable 3.0000 yes 500
Equitable Bank 3.6600 no 1,000
Equitable Trust 3.6600 no 1,000
  - cashable 30 days 1,000
First West Credit Union 3.6500 no 5,000
  - cashable 90 days 5,000
FirstOntario Credit Un. 4.0000 no 500
General Bank of Canada 3.0000 no 5,000
Haventree Bank 3.6600 no 5,000
Home Bank 3.6600 no 1,000
  - cashable 30 days 1,000
Home Bank - cashable 90 days 1,000
Home Equity Bank 3.6900 no 5,000
Home Trust 3.6600 no 1,000
  - cashable 30 days 1,000
Home Trust - cashable 90 days 1,000
Hubert Financial 3.6500 no 1,000
IC Savings 2.8000 no 1,000
  - cashable 30 days 1,000
Industrial Alliance 2.6000 yes 1,000
Innovation Federal CU 3.1000 no 1,000
  - cashable 30 days 1,000
KEB Hana Bank Canada 2.8500 no 3,500
Kindred Credit Union 3.1000 no 500
Laurentian Bank Canada 3.5000 no 500
League Svgs & Mortgage 2.8500 no 25,000
Libro Credit Union 3.3000 no 500
Luminus Financial 3.2400 no 500
MCAN Mortgage Corp. 3.4600 no 5,000
Manulife Bank 3.3500 no 2,500
Meridian Credit Union 3.3000 no 100
National Bank 3.4000 no 1,000
  3.0000 yes 1,000
Oaken Financial 3.6000 no 1,000
  - cashable 30 days 1,000
Oaken Financial - cashable 90 days 1,000
Outlook Financial 3.6500 no 1,000
Parama Credit Union 3.5000 no 1,000
Peace Hills Trust 3.7400 no 5,000
Peoples Trust 3.6000 no 1,000
President's Choice Bank 2.2500 no 500
RFA Bank of Canada 3.6000 no 1,000
  - cashable 90 days 1,000
Royal Bank of Canada 2.8000 no 1,000
  2.6000 yes 1,000
SBI Canada Bank 3.3000 no 1,000
Shinhan Bank Canada 3.3500 no 5,000
Steinbach Credit Union 3.5500 no 500
Sun Life - Insurance 2.8500 yes 1,000
Sun Life - Trust 3.0000 no 1,000
  2.8000 yes 1,000
T-D Mortgage 2.7000 no 1,000
TD Canada Trust 2.7000 no 1,000
  - cashable 30 days 500
Tangerine 3.5000 no 1
UV Insurance 2.7500 yes 500
Vancity Savings (BC) 2.7500 no 500
VersaBank 3.6600 no 1,000
Wealth One Bank Canada 3.7000 no 1,000
Interest not compounded and paid annually.

Term deposits are investment products that offer a guaranteed rate of return for a pre-defined time period. The applicable interest rate varies according to the term of investment, the amount of money invested, the treatment of interest and whether or not the investment is redeemed prior to maturity. Term deposits are also known as GICs (Guaranteed Investment Certificates), or Accumulation Annuities when issued by an insurance company.

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