COVID-19: We’re here to help. Read our latest updates, including details about customer relief programs and branch closures.

Rates

Guaranteed Investment Certificate (GIC) Rates

Non-Redeemable GIC

Terms in years Paid monthly/quarterly Paid semi-annually Paid annually
1 and under 2 years 1.45% 1.575% 1.70%
2 and under 3 years 1.30% 1.425% 1.55%
3 and under 4 years 1.30% 1.425% 1.55%
4 and under 5 years 1.35% 1.475% 1.60%
5 years and over 1.450% 1.575% 1.70%
Terms in days Rates
30 - 59 days 0.20%
60 - 89 days 0.51%
90 - 119 days 0.71%
120 - 179 days 0.76%
180 - 269 days 0.91%
270 - 364 days 0.97%

Redeemable GIC: Term Deposits

Terms in years Rates
1 and under 2 years 0.35%
2 and under 3 years 0.35%
3 and under 4 years 0.35%
4 and under 5 years 0.35%
5 years 0.35%
Terms in days Rates
30 - 59 days 0.35%
60 - 89 days 0.35%
90 - 119 days 0.35%
120 - 179 days 0.35%
180 - 269 days 0.35%
270 - 364 days 0.35%

Redeemable GIC: 3-Year Springboard

Year Rates
Year 1 1.20%
Year 2 1.50%
Year 3 1.55%
Blended interest rate 1.42%

Redeemable GIC: 5-Year Springboard

Year Rates
Year 1 1.20%
Year 2 1.50%
Year 3 1.55%
Year 4 1.60%
Year 5 1.70%
Blended interest rate 1.51%

Redeemable GIC: 1-Year Cashable

Term Rates
Full term 1.50%
90 days or greater 1.50%
30 - 89 days 1.50%
0 -29 days 1.50%

Rates for the 1-Year Cashable GIC are only available for customers investing in Personal Banking Products. Commercial, Business, and Agriculture customers are encouraged to reach out to your Relationship Manager or Account Manager for current rates.

US Dollar Non-Redeemable GIC

Terms in years Rates
1 year 0.45%
2 year 0.45%
3 year 0.50%
4 year 0.70%
5 year 1.00%
Terms in days Rates
30 days 0.25%
60 days 0.30%
90 days 0.45%
120 days 0.55%
180 days 0.65%
270 days 0.75%

US Dollar Redeemable GIC

Terms in years Rates
1 and under 2 years 0.10%
2 and under 3 years 0.10%
3 and under 4 years 0.10%
4 and under 5 years 0.10%
5 years and over 0.10%
Terms in days Rates
30 - 59 days 0.05%
60 - 89 days 0.05%
90 - 119 days 0.05%
120 - 179 days 0.05%
180 - 269 days 0.05%
270 - 364 days 0.05%

Amplify GIC

Term Rates
0 - 29 days 0.00%
30 - 59 days 0.10%
60 - 89 days 0.35%
90 - 119 days 0.65%
120 - 179 days 0.70%
180 - 269 days 0.95%
270 - 364 days 1.10%
365 days 1.30%

Need help?

Our Client Care team will be happy to assist.