Short Term (30 to 270 days) GIC Rates for Tax Free Savings

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GIC Interest Rates

Tax-Free Term Deposits/GICs: 30 to 270 days
Financial Institution Redeem-
able
Redeemable
Term
Minimum
Deposit
Term In Days
30 60 90 120 180 270
Bank of Montreal no   1,000 1.1000 1.3000 1.5000 1.6000 1.9500 2.1500
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
Empire Life yes   500 .2500 - .2500 - .2500 -
Laurentian Bank Canada no   500 - - .9000 .9000 1.9500 2.5000
  cashable 30 days 500 - - - - - .0000
Luminus Financial no   500 .3500 .5000 .6500 .6500 .7500 .7500
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
T-D Mortgage no   5,000 1.1000 1.3000 1.5000 1.6000 1.9500 2.1500
TD Canada Trust no   5,000 1.1000 1.3000 1.5000 1.6000 1.9500 2.1500
Tandia Financial CU no   1,000 .2000 .4000 .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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