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Term Deposits

4.70% 15-Month GIC Special

GIC, RRSP, RRIF & TFSA
Minimum $500 investment
 

GIC Interest Rate Specials (Odd Month Specials)

Ideal for the investor who is looking to maximize their return with a minimal initial investment. 

Key features:

  • Minimum $500 investment
  • Selection of terms available – view current rates
  • Interest is calculated daily and paid annually
  • Renewable
  • Early withdrawals are not permitted

Ratebuilder GIC

Perfect for investors who want flexibility and the benefit of annual rate increases while investing funds over the longer term. 

Key features:

  • Minimum $500 investment
  • 3 or 5 year terms available
  • Fixed step-up interest rate schedule
  • Interest is calculated daily - option of non-compounding and compounding interest
  • Eligible for RRSP/TFSA /Non-registered plans
  • Fully redeemable on each anniversary date
  • Renewable

Redeemable Investment Certificates

A Redeemable GIC can be a great investment for short and long-term goals, like saving for a major purchase, wedding costs, and retirement with a guaranteed rate of return for the period of your term. Ideal for investors who want to access their money at any time while earning a higher interest rate than a savings account. 

Key features:

  • Cashable without penalty after 30 days
  • Minimum $500 investment
  • 1 year term available
  • Interest is calculated daily and will be compounded on the maturity date
  • Eligible for RRSP/TFSA /Non-registered plans
  • Renewable
  • Automatic Investment Plan option is available

Index Linked Term Deposits

Ideal for investors who want to diversify their investment portfolio while protecting the principal of their investment. The return on these deposits is based on stock market performance.

Key features:

  • Rate of return is linked to the average performance of the S&P/TSX 60 Index
  • Principal amount invested is guaranteed against loss
  • Minimum $500 investment
  • 3 or 5 year terms available
  • Eligible for RRSP/TFSA /non-registered plans
  • Investment is not available for early redemption
  • Non-renewable
Index-Linked Term Deposits are only available during specific time periods. Contact us for more information. Terms and conditions will vary based on the series offered.

Guaranteed Investment Certificates – Annual Interest

Ideal for investors who want a higher rate of return than redeemable GICs. A non-redeemable GIC does not allow for access to the investment prior to the maturity of the term.                                                                             

Key features:

  • Minimum $500 investment
  • Selection of terms available: 1 to 5 year terms
  • Interest is calculated daily and paid annually; option of non-compounding and compounding interest
  • Eligible for RRSP/TFSA /non-registered plans
  • Renewable
  • Early withdrawals are not permitted

Short-Term Guaranteed Investment Certificates

Ideal for the investor who is looking to maximize their return but doesn’t want to lock in their money for too long.

Key features:

  • Minimum $5,000 investment
  • Selection of terms available: 30 to 270 days
  • Interest is calculated daily and paid at maturity
  • Renewable
  • Early withdrawals are not permitted

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