Registered: Long-Term GIC Rates

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GIC Interest Rates

Registered Term Deposits/GICs: 1 to 6 years
Financial Institution Term In Years Redeem-
able
Redeemable
Term
Minimum
Deposit
1 2 3 4 5 6
Achieva Financial 3.5000 3.5000 3.7000 3.5500 3.7000 - no   1,000
BMO Bank of Montreal 2.7500 2.7500 2.8000 2.8000 3.0000 3.2500 no   1,000
  2.4500 2.5500 2.5500 2.6000 2.6500 - yes   1,000
Bank of Nova Scotia 2.7000 2.7500 2.7500 2.7500 2.8500 - no   500
Bk Nova Scotia Mtg. Corp 2.7000 2.7500 2.7500 2.7500 2.8500 - no   500
CIBC 2.2500 2.2000 2.2500 2.3000 2.3500 - no   500
  .2000 .2500 .3500 - - - yes   500
Canada Life 1.6000 1.7000 1.9500 2.2000 2.4000 2.5500 yes   500
Coast Capital Savings 3.0000 3.1000 3.6000 3.2000 3.4000 - no   1,000
Comtech Fire Credit U. 3.0000 3.1000 3.1000 3.1500 3.2000 - no   5,000
Desjardins - Caisses 2.8000 2.8500 2.9000 3.1000 3.3000 - no   500
EQ Bank 3.4000 3.5000 3.7000 3.7500 3.8500 2.6000 no   100
Effort Trust 2.6500 2.6500 2.6500 2.6500 2.6500 - no   1,000
Empire Life 2.0000 2.2000 2.4500 2.6000 3.1500 2.8000 yes   500
Equitable 2.5500 2.7500 2.8500 3.0000 3.4000 - yes   500
FirstOntario Credit Un. 3.0000 3.1500 3.1500 3.1500 3.3000 - no   500
Home Bank 3.3500 3.5000 3.6000 3.6500 3.7600 - no   1,000
Home Trust 3.3500 3.5000 3.6000 3.6500 3.7600 - no   1,000
Hubert Financial 3.7500 3.6500 3.7000 3.7500 3.8500 - no   1,000
IC Savings 3.0000 2.8500 2.8500 2.8000 2.7500 - no   1,000
Industrial Alliance 2.2000 2.4000 2.4500 2.6000 2.8000 - yes   1,000
Kindred Credit Union 3.0500 3.1000 3.1000 3.1000 3.1000 - no   500
Luminus Financial 3.2000 3.2700 3.2200 3.2400 3.3600 - no   500
MCAN Mortgage Corp. 3.3300 3.4700 3.5100 3.5500 3.6000 - no   5,000
Manulife Bank 3.5500 3.2000 3.7000 3.3500 4.0000 - no   2,500
Manulife Investments 2.3000 2.4500 2.7000 2.8500 3.0500 3.3000 yes   2,500
Meridian Credit Union 3.0500 3.1500 3.2500 3.3000 3.4000 - no   500
National Bank 2.8000 3.0500 3.2000 3.4000 3.7000 - no   500
  2.5500 2.7500 2.9000 3.0000 3.2500 - yes   500
Oaken Financial 3.5000 3.7000 3.6000 3.6000 3.8000 - no   1,000
Outlook Financial 3.5000 3.5500 3.6000 3.6500 3.7000 - no   1,000
Peace Hills Trust 3.6500 3.6200 3.7000 3.7400 3.8000 - no   5,000
Peoples Trust 3.5000 3.4500 3.5500 3.6000 3.7000 - no   1,000
Royal Bank of Canada 2.7000 2.8000 2.8000 2.8000 2.9000 - no   500
Serenia Life Financial 2.5500 2.7500 3.2500 2.9000 3.0500 - yes   500
Shinhan Bank Canada 2.7500 2.7500 2.7500 2.7500 2.7500 - no   0
Steinbach Credit Union 3.4500 3.4500 3.5000 3.5500 3.6000 - no   500
Sun Life - Insurance 2.4000 2.7000 2.7500 2.8000 2.9500 - yes   1,000
Sun Life - Trust 2.7500 2.9000 2.9000 2.9500 3.0500 - no   1,000
  2.4000 2.6500 2.6500 2.7500 2.9000 - yes   1,000
TD Canada Trust 2.8000 2.8500 2.6500 2.7000 3.0000 - no   500
Tangerine 3.2500 3.3500 3.4500 3.5000 3.5500 - no   1
UV Insurance 2.4500 2.5500 2.6500 2.7500 2.9000 - yes   500
Wealth One Bank Canada 3.6500 3.7500 3.7000 3.7000 3.8500 - 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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