Rates

Guaranteed Investment Certificate (GIC) Rates

Personal Rates

Rates in this section are only available for clients investing in Personal Banking products.

Commercial, Business and Agriculture clients are encouraged to reach out to their Relationship Manager or Account Manager for current rates.

Non-Redeemable GIC

Terms in years Paid monthly/quarterly Paid semi-annually Paid annually
1 and under 2 years 2.350% 2.475% 2.600%
2 and under 3 years 2.850% 2.975% 3.100%
3 and under 4 years 3.050% 3.175% 3.300%
4 and under 5 years 3.250% 3.375% 3.500%
5 years and over 3.350% 3.475% 3.600%
Terms in days Rates
30 - 59 days 0.98%
60 - 89 days 1.12%
90 - 119 days 1.28%
120 - 179 days 1.28%
180 - 269 days 1.60%
270 - 364 days 1.60%

Redeemable GIC: Term Deposits

Terms in years Rates
1 and under 2 years 0.05%
2 and under 3 years 0.05%
3 and under 4 years 0.05%
4 and under 5 years 0.05%
5 years 0.05%
Terms in days Rates
30 - 59 days 0%
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%

Redeemable GIC: 3-Year Springboard

Year Rates
Year 1 0.50%
Year 2 0.75%
Year 3 0.90%
Blended interest rate 0.72%

Redeemable GIC: 5-Year Springboard

Year Rates
Year 1 0.50%
Year 2 0.75%
Year 3 0.90%
Year 4 1.00%
Year 5 1.15%
Blended interest rate 0.86%

Redeemable Personal GIC: 1-Year Cashable

Term Rates
Full term 1.80%
90 days or greater 1.20%
30 - 89 days 0.60%
0 -29 days 0.00%

US Dollar Non-Redeemable GIC

Terms in years Rates
1 year 1.40%
2 year 1.90%
3 year 2.20%
4 year 2.30%
5 year 2.50%
Terms in days Rates
30 days 0.25%
60 days 0.30%
90 days 0.40%
120 days 0.50%
180 days 0.70%
270 days 0.80%

US Dollar Redeemable GIC

Terms in years Rates
1 and under 2 years 0.25%
2 and under 3 years 0.25%
3 and under 4 years 0.25%
4 and under 5 years 0.25%
5 years and over 0.25%
Terms in days Rates
30 - 59 days 0.25%
60 - 89 days 0.25%
90 - 119 days 0.25%
120 - 179 days 0.25%
180 - 269 days 0.25%
270 - 364 days 0.25%

Business Rates

Rates in this section are only available for Agriculture, Business and Commercial clients. In some cases, maximum balance limits apply. Please reach out to your Relationship Manager or Account Manger for current limits. 

Amplify Business GIC

Term Rates
0 - 29 days 0.00%
30 - 59 days 0.30%
60 - 89 days 0.60%
90 - 119 days 0.85%
120 - 179 days 1.05%
180 - 269 days 1.20%
270 - 364 days 1.30%
365 days 1.35%

Non-Redeemable Business GIC

Terms in years Paid monthly/quarterly Paid semi-annually Paid annually
1 year 2.250% 2.375% 2.500%
15 months 2.300% 2.425% 2.550%
18 months 2.350% 2.475% 2.600%
2 and under 3 years 2.450% 2.575% 2.700%
3 and under 4 years 2.650% 2.775% 2.900%
4 and under 5 years 2.700% 2.825% 2.950%
5 years and over 2.850% 2.975% 3.100%
Terms in days Rates
0 - 29 days 0.000%
30 - 59 days 0.300%
60 - 89 days 0.350%
90 - 119 days 0.400%
120 - 149 days 0.450%
150 - 179 days 0.450%
180 - 269 days 0.550%
270 - 364 days 0.650%

Redeemable Business GIC: Term Deposits

Terms in days Rates
30 - 59 days 0%
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%

US Dollar Non-Redeemable Business GIC

Terms in years Rates
1 year 0.20%
2 year 0.30%
3 year 0.40%
4 year 0.55%
5 year 0.60%
Terms in days Rates
30 days 0.05%
60 days 0.05%
90 days 0.10%
120 days 0.10%
180 days 0.10%
270 days 0.15%

US Dollar Redeemable Business GIC

Terms in years Rates
1 and under 2 years 0.05%
2 and under 3 years 0.05%
3 and under 4 years 0.05%
4 and under 5 years 0.05%
5 years and over 0.05%
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%

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