Short Term (30 to 270 days) GIC Rates for Non-Registered

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GIC Interest Rates

Term Deposits/GICs: 30 to 270 days
Financial Institution Redeem-
able
Redeemable
Term
Minimum
Deposit
Term In Days
30 60 90 120 180 270
Alterna Savings no   500 - - 1.9500 - - -
B2B Bank no   5,000 - - 3.2500 3.2500 3.7000 3.9000
BMO Bank of Montreal yes   10,001 1.7500 2.0000 2.2500 2.2500 2.5000 2.6500
Bank of Montreal no   5,000 2.2500 2.5000 2.7500 3.0000 3.2500 3.5000
Bank of Nova Scotia no   5,000 .9500 1.2000 1.5000 1.5500 1.7500 1.9000
  yes   1,000 .0500 .0500 .0500 .0500 .1000 .1000
Bk Nova Scotia Mtg. Corp no   5,000 .9500 1.2000 1.5000 1.5500 1.7500 1.9000
  yes   1,000 .0500 .0500 .0500 .0500 .1000 .1000
Bridgewater Bank no   5,000 - - - - 3.8000 4.0000
CIBC no   1,000 - .0500 .0500 .0500 .1000 .1500
  yes   1,000 - .0500 .0500 .0500 .0500 .1000
Canadian Western Bank no   5,000 2.1000 2.3000 2.4000 2.7000 3.1000 3.1000
Canadian Western Trust no   5,000 2.1000 2.3000 2.4000 2.7000 3.1000 3.1000
Coast Capital Savings no   1,000 1.1000 1.2000 1.5000 1.6000 2.7500 3.5500
Comtech Fire Credit U. yes   1,000 - - 1.3500 1.3500 1.3500 1.3500
Desjardins - Caisses no   5,000 1.0000 1.0000 1.5000 1.5000 1.7500 1.9000
EQ Bank no   100 - - 2.6500 - 3.6000 3.7500
Effort Trust no   5,000 1.9500 1.9500 1.9500 1.9500 1.9500 1.9500
Empire Life yes   500 2.7500 - 2.7500 - 2.7500 -
Equitable Bank no   1,000 .2000 .8000 3.7500 4.0500 4.1500 4.2500
Equitable Trust no   1,000 .2000 .8000 3.7500 4.0500 4.1500 4.2500
FirstOntario Credit Un. no   5,000 .0000 .0000 2.5000 2.5000 2.6500 2.9000
General Bank of Canada no   10,000 - - 2.9100 2.9100 2.1700 3.4100
HSBC Bank Canada no   500 1.5000 2.0000 2.2500 2.3000 2.7500 3.0000
  yes   500 1.2500 1.7500 2.0000 2.0500 2.5000 2.7500
Haventree Bank no   10,000 .1000 .1500 1.1000 1.1000 2.0100 2.3600
Home Bank no   5,000 4.0000 4.0000 4.0500 4.0500 4.1500 4.2500
Home Trust no   5,000 4.0000 4.0000 4.0500 4.0500 4.1500 4.2500
IC Savings no   1,000 .5000 .6500 .7500 .7500 .8000 2.5000
Kindred Credit Union no   0 2.2000 2.3500 2.4000 2.4000 3.3000 3.5000
Laurentian Bank Canada no   500 - - 2.0000 2.0000 3.2500 3.7500
  cashable 30 days 500 - - - - 4.5000 .0000
Libro Credit Union no   3,000 2.6000 2.6500 2.8500 2.8500 3.5000 3.7500
Luminus Financial no   500 1.7500 1.8500 1.9500 1.9500 2.0000 2.2500
MCAN Mortgage Corp. no   5,000 4.0000 4.0000 4.0500 4.0500 4.1500 4.2500
Manulife Bank no   25,000 2.0000 2.0000 2.8500 2.8500 3.7000 3.7500
Manulife Trust no   25,000 2.0000 2.0000 2.8500 2.8500 3.7000 3.7500
Meridian Credit Union no   500 2.2500 2.7500 3.0000 3.0000 3.7500 4.2500
  yes   2,500 .0500 .1000 .1000 .1000 .3000 .4000
National Bank no   5,000 .2000 .2000 .3000 1.0000 1.5000 1.8500
  yes   5,000 .1000 .1000 .2000 .9000 1.4000 1.7500
Oaken Financial no   1,000 2.2500 2.2500 2.2500 2.2500 2.2500 2.7000
Peace Hills Trust no   5,000 .2000 .2000 .2000 .2000 .2500 .2500
Peoples Trust no   1,000 3.4000 3.4000 4.0000 4.0000 4.0000 4.0000
Rapport Credit Union no   5,000 .4500 - - - - -
Royal Bank of Canada no   5,000 2.0000 2.2500 2.5000 2.5000 2.7500 2.9000
  yes   5,000 1.7500 2.0000 2.2500 2.2500 2.5000 2.6500
Sun Life - Trust no   1,000 1.5000 1.5000 1.9500 1.9500 3.0000 3.0000
  yes   1,000 1.4000 1.4000 1.8500 1.8500 2.9000 2.9000
T-D Mortgage no   5,000 2.2500 2.5000 2.7500 3.0000 3.2500 3.5000
TD Canada Trust no   5,000 2.2500 2.5000 2.7500 3.0000 3.2500 3.5000
Tandia Financial CU no   1,000 1.2000 1.4000 1.4500 1.4500 1.5000 1.6500
Tangerine no   1 - - 1.5000 - 3.6000 3.7500
VersaBank no   5,000 4.0000 4.0000 4.1000 4.1000 4.2500 4.5000
Interest not compounded and paid at maturity.

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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