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 1.70% 1.825% 1.95%
2 and under 3 years 1.45% 1.575% 1.70%
3 and under 4 years 1.550% 1.675% 1.800%
4 and under 5 years 1.650% 1.775% 1.90%
5 years and over 1.750% 1.875% 2.000%
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%
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 2.00%
Year 2 2.02%
Year 3 2.04%
Blended interest rate 2.02%

Redeemable GIC: 5-Year Springboard

Year Rates
Year 1 2.00%
Year 2 2.02%
Year 3 2.04%
Year 4 2.06%
Year 5 2.10%
Blended interest rate 2.04%

Redeemable GIC: 1-Year Cashable

Term Rates
Full term 0.50%
90 days or greater 0.50%
30 - 89 days 0.10%
0 -29 days 0.00%

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%

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