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

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GIC Interest Rates

US Term Deposits/GICs: 30 to 270 days
Financial Institution Redeem-
able
Redeemable
Term
Minimum
Deposit
Term In Days
30 60 90 120 180 270
Alterna Savings no   500 .0500 .1000 .1500 .2000 .2500 .3000
BMO Bank of Montreal no   1,000 2.8000 2.9500 3.1000 3.3000 3.4500 3.7000
Bank of Nova Scotia no   1,000 .8500 1.1000 1.2000 1.3000 1.5000 1.6000
CIBC no   5,000 2.8000 2.9500 3.1000 3.4000 4.2000 -
Desjardins - Caisses no   5,000 .5000 .6000 1.0000 1.2000 1.5000 2.0000
Equitable Bank no   1,000 .0500 .6500 3.3500 3.4000 3.6000 3.6000
Equitable Trust no   1,000 .0500 .6500 3.3500 3.4000 3.6000 3.6000
HSBC Bank Canada yes   500 2.0000 2.2500 2.5000 2.7500 3.0000 3.2500
IC Savings no   10,000 .0500 .0500 .0500 .0500 .1000 .1500
Meridian Credit Union yes   5,000 .0500 .0500 .1500 .1500 .3000 .3500
National Bank no   5,000 .1000 .1500 .2000 .2000 .4000 .5000
  yes   5,000 .0500 .0500 .1000 .1000 .2000 .2500
Royal Bank of Canada no   5,000 1.5000 1.6500 1.8000 1.9000 2.1000 2.1500
Steinbach Credit Union yes   500 .5000 .6500 .8000 - - -
TD Canada Trust no   5,000 3.4000 3.5000 3.6000 3.6500 3.7500 3.9000
Tandia Financial CU no   1,000 .0500 .1000 .1500 .1500 .3500 .4000
Tangerine no   1 - - 1.5000 - 3.2000 3.3500
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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