Long Term (1 to 6 years) GIC Rates for Tax Free Savings

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GIC Interest Rates

Tax-Free Term Deposits/GICs: 1 to 6 years
Financial Institution Redeem-
able
Redeemable
Term
Minimum
Deposit
Term In Years
1 2 3 4 5 6
AcceleRate Financial no   1,000 4.4000 4.4000 4.5500 4.7500 5.0000 5.0000
Achieva Financial no   1,000 4.3000 4.5000 4.6500 4.8000 5.0000 -
Bank of Montreal no   1,000 4.0000 4.0500 4.1000 4.2000 4.3000 4.3500
CIBC no   500 2.4000 - - - - -
Canadian Western Bank yes   1,000 3.7800 4.0800 4.1500 4.1500 4.2800 -
Coast Capital Savings no   1,000 3.9500 4.2000 4.3000 4.3500 4.4000 -
EQ Bank no   100 4.5500 4.7000 4.7000 4.7000 4.7000 4.7000
Empire Life yes   500 3.4000 3.5500 3.7000 3.8000 4.1000 3.5500
Equitable Life yes   500 3.5000 4.2000 4.3000 3.9500 3.4000 3.4500
FirstOntario Credit Un. no   500 3.2500 3.9500 4.0000 4.1500 4.2500 -
Home Bank no   5,000 4.3000 4.4500 4.5500 4.5500 4.6100 -
Home Trust no   5,000 4.3000 4.4500 4.5500 4.5500 4.6100 -
Hubert Financial no   1,000 4.4000 4.4000 4.5500 4.7500 5.0000 -
IC Savings no   1,000 3.4500 3.7000 3.9000 3.9500 4.0000 -
Industrial Alliance yes   1,000 3.8500 4.0500 4.1500 3.7000 3.8000 -
Kindred Credit Union no   500 3.7500 4.0000 4.1000 4.2000 4.3000 -
Libro Credit Union no   0 3.7000 3.9500 4.0500 4.2000 4.2500 -
Manulife Bank no   2,500 4.2600 4.4100 4.5100 4.5100 4.5100 -
Manulife Investments yes   2,500 3.8000 4.0000 4.1000 3.7000 3.7500 3.8000
Meridian Credit Union no   500 4.3000 4.4500 4.5000 4.6000 4.7000 -
  yes   500 3.5500 3.7000 3.7500 3.8500 3.9500 -
Motive Financial yes   1,000 4.4900 4.6400 4.7000 4.7200 4.8500 -
Oaken Financial no   1,000 4.4000 4.5000 4.5000 4.5000 4.6500 -
Outlook Financial no   1,000 4.1000 4.3000 4.5000 4.7500 5.0000 -
Peoples Trust no   1,000 4.7000 4.7500 4.7500 4.6000 4.6000 -
Royal Bank of Canada no   500 2.0000 2.5000 2.7500 3.2500 3.5000 -
SBI Canada Bank no   1,000 4.2500 4.3000 4.3000 4.3000 4.3000 -
Shinhan Bank Canada no   0 .0100 .0100 .0100 .0100 .0100 -
Sun Life - Trust no   1,000 3.9500 3.7500 3.6500 3.6500 3.7000 -
  yes   1,000 3.6000 3.2000 3.1000 3.1000 3.2000 -
T-D Mortgage no   1,000 4.0000 4.2000 3.7500 4.5000 4.5500 -
Tandia Financial CU no   500 3.5000 4.1500 4.2500 4.3000 4.3500 -
Tangerine no   1 4.4000 4.3000 4.5000 4.3500 4.4000 -
UV Insurance yes   500 3.8000 4.0000 4.1000 3.7500 3.8000 -
VersaBank no   1,000 4.2100 4.3500 4.3500 4.4100 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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