Registered: Short-Term GIC Rates

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GIC Interest Rates

Registered Term Deposits/GICs: 30 to 270 days
Financial Institution Term In Days Redeem-
able
Redeemable
Term
Minimum
Deposit
30 60 90 120 180 270
Bank of Nova Scotia 2.2500 2.3500 2.3500 2.4000 2.5000 2.5000 no   2,000
Bk Nova Scotia Mtg. Corp 2.2500 2.3500 2.3500 2.4000 2.5000 2.5000 no   2,000
CIBC - .0500 .0500 .0500 .1000 .1500 no   500
  - - - - - .1000 yes   500
Coast Capital Savings 2.2000 2.2000 2.5000 2.5000 2.8000 2.8000 no   1,000
Desjardins - Caisses 1.7000 1.7000 1.9000 1.9000 2.4000 2.5000 no   5,000
Empire Life .8500 - .8500 - .8500 - yes   500
Home Bank - - 2.7000 2.7500 2.9500 3.1000 no   1,000
Home Trust - - 2.7000 2.7500 2.9500 3.1000 no   1,000
Laurentian Bank Canada - - 2.7500 2.7500 2.8000 2.9000 no   500
  - - - - 3.2500 .0000 cashable 30 days 500
Libro Credit Union 2.0000 2.2500 2.5000 2.5000 2.5000 2.5000 no   1,000
Luminus Financial 2.1000 2.1500 2.2000 2.2000 2.2500 2.3000 no   500
MCAN Mortgage Corp. 2.4300 2.7000 3.1000 3.1300 3.1700 3.2500 no   5,000
Manulife Bank 1.8000 1.8500 2.6500 2.6500 2.6500 2.9000 no   25,000
Meridian Credit Union 1.7500 1.9000 2.1500 2.1500 2.2500 2.2500 no   500
National Bank - - .2000 - 1.5000 - no   500
Oaken Financial - - 1.0000 1.0000 2.2500 2.7000 no   2,500
Peace Hills Trust .1000 .1000 .1000 .1000 .1250 .1250 yes   5,000
Royal Bank of Canada 2.6000 2.6000 2.6500 2.6500 2.6500 2.6500 no   500
Sun Life - Trust .3500 .3500 .6500 .7000 1.3000 1.3500 no   1,000
  .2500 .2500 .5500 .6000 1.2000 1.2500 yes   1,000
TD Canada Trust - - 2.2500 2.2500 2.1500 2.1000 no   2,000
Tangerine - - 2.7500 - 3.0000 3.1500 no   1
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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