Rates
Guaranteed Investment Certificate (GIC) Rates
Personal Rates
- Promotional GIC Offers
- Non-Redeemable GIC
- Redeemable GIC: Term Deposits
- Redeemable GIC: 3-Year Springboard
- Redeemable GIC: 5-Year Springboard
- Redeemable Personal GIC: 1-Year Cashable
- US Dollar Non-Redeemable GIC
- US Dollar Redeemable GIC
Business Rates
- Amplify Business GIC
- Non-Redeemable Business GIC
- Redeemable Business GIC: Term Deposits
- US Dollar Non-Redeemable Business GIC
- US Dollar Redeemable Business GIC
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.
Featured offers
| Term | Rates |
|---|---|
| 15 month Non-Redeemable GIC | 0.000% |
| 18 month Non-Redeemable GIC | 0.000% |
Non-Redeemable GIC
| Terms in years | Paid monthly/quarterly | Paid semi-annually | Paid annually |
|---|---|---|---|
| 1 and under 2 years | 3.750% | 3.875% | 4.000% |
| 2 and under 3 years | 3.950% | 4.075% | 4.200% |
| 3 and under 4 years | 4.150% | 4.275% | 4.400% |
| 4 and under 5 years | 4.250% | 4.375% | 4.500% |
| 5 years and over | 4.350% | 4.475% | 4.600% |
| 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 | 2.40% |
| 90 days or greater | 1.60% |
| 30 - 89 days | 0.80% |
| 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 | 0.75% |
| 60 - 89 days | 1.50% |
| 90 - 119 days | 1.90% |
| 120 - 179 days | 2.15% |
| 180 - 269 days | 2.40% |
| 270 - 364 days | 2.45% |
| 365 days | 2.50% |
Non-Redeemable Business GIC
| Terms in years | Paid monthly/quarterly | Paid semi-annually | Paid annually |
|---|---|---|---|
| 1 year | 3.800% | 3.925% | 4.050% |
| 15 months | 4.050% | 4.175% | 4.300% |
| 18 months | 4.100% | 4.225% | 4.350% |
| 2 and under 3 years | 4.150% | 4.275% | 4.400% |
| 3 and under 4 years | 4.200% | 4.325% | 4.450% |
| 4 and under 5 years | 4.300% | 4.425% | 4.550% |
| 5 years and over | 4.350% | 4.475% | 4.600% |
| Terms in days | Rates |
|---|---|
| 0 - 29 days | 0.000% |
| 30 - 59 days | 0.950% |
| 60 - 89 days | 1.200% |
| 90 - 119 days | 1.500% |
| 120 - 149 days | 1.550% |
| 150 - 179 days | 1.550% |
| 180 - 269 days | 2.550% |
| 270 - 364 days | 3.550% |
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 | 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 Business 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% |
Rates are subject to change without notice.