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

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GIC Interest Rates

Registered Term Deposits/GICs: 30 to 270 days
Financial Institution Redeem-
able
Redeemable
Term
Minimum
Deposit
Term In Days
30 60 90 120 180 270
B2B Bank no   5,000 - - 2.7000 2.9000 3.1000 3.2500
Bank of Nova Scotia no   2,000 .6500 .7000 .7500 .8000 .9000 1.0000
Bk Nova Scotia Mtg. Corp no   2,000 .0500 .1000 .1500 .1500 .1500 .3000
CIBC no   500 - .0500 .0500 .0500 .1000 .1500
  yes   500 - - - - - .1000
Coast Capital Savings no   1,000 1.1000 1.2000 1.5000 1.6000 2.7500 3.5500
Desjardins - Caisses no   5,000 1.0000 1.0000 1.5000 1.5000 1.7500 1.9000
Empire Life yes   500 .2500 - .2500 - .2500 -
Home Bank no   2,500 - - 2.5000 2.6000 3.1000 3.1500
Home Trust no   2,500 - - 2.5000 2.6000 3.1000 3.1500
Laurentian Bank Canada no   500 - - .9000 .9000 1.9500 2.5000
  cashable 30 days 500 - - - - - .0000
Libro Credit Union no   1,000 1.7500 1.8000 1.8500 1.8500 2.2000 2.4500
Luminus Financial no   500 .3500 .5000 .6500 .6500 .7500 .7500
MCAN Mortgage Corp. no   10,000 2.1500 2.2000 2.2000 2.2500 2.6500 2.7500
Manulife Bank no   25,000 2.0000 2.0000 2.5000 2.5000 3.1000 3.1000
Meridian Credit Union no   500 1.0000 1.0000 1.0000 1.0000 1.7500 2.0000
National Bank no   500 - - .2000 - 1.5000 -
Oaken Financial no   2,500 - - 2.2500 2.2500 2.2500 2.7000
Peace Hills Trust yes   5,000 .1000 .1000 .1000 .1000 .1250 .1250
Rapport Credit Union no   5,000 .4500 - - - - -
Royal Bank of Canada no   500 1.2500 1.2500 1.5000 1.5000 1.7500 1.9000
Sun Life - Trust no   1,000 1.5000 1.5000 1.5500 1.6000 1.9000 1.9000
  yes   1,000 1.4000 1.4000 1.4500 1.5000 1.8000 1.8000
TD Canada Trust no   2,000 - - 1.5000 1.6000 1.9500 2.1500
Tandia Financial CU no   1,000 - - .4500 .4500 .5000 .6500
Tangerine no   1 - - 1.5000 - 3.5000 3.6000
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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