Investments Fixed-Rate GICs

Investments

Rate (%) as of September 01, 2014 2:00 PM

Fixed-Rate GICs

Escalarater
(Minimum investment $500)

  Non-Redeemable Redeemable
  3 years 5 years 3 years 5 years
1st year 0.950 0.950 0.900 0.950
2nd year 1.400 1.150 1.300 1.250
3rd year 2.300 1.500 1.750 1.450
4th year ---- 2.650 ---- 1.700
5th year ---- 4.450 ---- 3.400
Average Rate 1.548 2.132 1.316 1.746

Available as RRSP

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Redeemable without penalty
(Minimum investment $500)

  Rate
12 months (redeemable without penalty after 30 days) 0.650
14 months (redeemable without penalty after 30 days) 0.750
2 years (redeemable without penalty after 6 months) 0.900

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Evoluterm
3 years (Minimum investment $1,500)

  minimum $1,500
1 year 1.150
2 years 1.500
3 years 1.650

5 years (Minimum investment $2,500)

  minimum $2,500
1 year 1.000
2 years 1.200
3 years 1.600
4 years 1.900
5 years 2.150

Available as RRSP

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Redeemable 50/50 GIC
(Minimum investment $1,000)

  Rate
2 years 0.400

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Non-Redeemable GIC
Interest paid at maturity 

Terms (days) $1,000 - $4,999 $5,000 - $99,999 $100,000 - $299,999 $300,000 and +
30-59 ---- 0.400 0.400 0.400
60-89 ---- 0.500 0.500 0.500
90-119 ---- 0.550 0.550 0.550
120-149 ---- 0.600 0.600 0.600
150-179 ---- 0.650 0.650 0.650
180-269 ---- 0.700 0.700 0.700
270-364 ---- 0.750 0.750 0.750

Compound interest paid annually

Term $1,000 - $4,999 $5,000 - $99,999 $100,000 - $299,999 $300,000 and +
1 year 0.900 0.900 0.900 0.900
18 months 0.950 0.950 0.950 0.950
2 years 1.150 1.150 1.150 1.150
3 years 1.250 1.250 1.250 1.250
4 years 1.500 1.500 1.500 1.500
5 years 1.750 1.750 1.750 1.750

Available as RRSP

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Flexiterm
(Minimum investment $500)

  Rate
18 months 1.000

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Redeemable GIC
Interest paid at maturity 

Terms (days) $1,000 - $4,999 $5,000 - $99,999 $100,000 - $299,999 $300,000 and +
30-59 ---- 0.300 0.300 0.300
60-89 ---- 0.400 0.400 0.400
90-119 ---- 0.450 0.450 0.450
120-149 ---- 0.500 0.500 0.500
150-179 ---- 0.550 0.550 0.550
180-269 ---- 0.600 0.600 0.600
270-364 ---- 0.650 0.650 0.650

Interest paid annually

Term $1,000 - $4,999 $5,000 - $99,999 $100,000 - $299,999 $300,000 and +
1 year 0.650 0.650 0.650 0.650
2 years 0.850 0.850 0.850 0.850
3 years 0.950 0.950 0.950 0.950
4 years 1.200 1.200 1.200 1.200
5 years 1.450 1.450 1.450 1.450

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TermNote Plus
(Minimum investment $1,000)

  Rate
61 months 1.850
84 months 2.050

Available as RRSP

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Redeemable Deposits in US $
Interest paid at maturity

Terms (days) $5,000 - $99,999 $100,000 - $249,999 $250,000 - $499,999
30-59 0.030 0.030 0.030
60-89 0.040 0.040 0.040
90-119 0.050 0.070 0.070
120-149 0.050 0.050 0.050
150-179 0.050 0.050 0.050
180-269 0.050 0.050 0.050
270-364 0.100 0.100 0.100
365-370 0.100 0.100 0.100

Interest paid semi-annually

Term $5,000 - $99,999 $100,000 - $249,999 $250,000 - $499,999
1 year 0.200 0.200 0.200
2 years 0.350 0.350 0.350
3 years 0.500 0.500 0.500
4 years 0.650 0.650 0.650
5 years 0.900 0.900 0.900

*For all deposits over $500,000, please contact your branch

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Non-Redeemable Deposits in US $
Interest paid at maturity

Terms (days) $5,000 - $99,999 $100,000 - $249,999 $250,000 - $499,999
30-59 0.050 0.050 0.050
60-89 0.050 0.050 0.050
90-119 0.100 0.100 0.100
120-149 0.150 0.150 0.150
150-179 0.150 0.150 0.150
180-269 0.250 0.250 0.250
270-364 0.300 0.300 0.300
365-370 0.300 0.300 0.300

Interest paid semi-annually

Term $5,000 - $99,999 $100,000 - $249,999 $250,000 - $499,999
1 year 0.300 0.300 0.300
2 years 0.450 0.450 0.450
3 years 0.550 0.550 0.550
4 years 0.900 0.900 0.900
5 years 1.100 1.100 1.100

*For all deposits over $500,000, please contact your branch 

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Note

Rates subject to change without notice.

Non-Redeemable GIC

  • Maximum principal protection
  • No redemption before maturity
  • Insured by Canada Deposit Insurance Corporation (CDIC) (max. $100,000)
  • Interest paid at maturity
  • $5,000 minimum investment

Monthly cash management GIC (terms of 30 days, automatically renewed)
SPECIAL OFFER!

Amount invested Rate
$5,000 to $99,999 0.650 %
$100,000 to $499 999 0.750 %
$500, 000 to 999 999 1.000 %
999 999 $ et + Please contact us

Are you interested in this offer?
Contact your manager or call:

telephone

514 394-8988, option 4
1 877 394-8988, option 4
(outside Montreal)

 

GICs (monthly terms)

  • 1 month
  • 2 months
  • 7 months
  • 13 months

 

Other Investments

Other types of GICs and investments are also available.
To find out about our current rates, contact your advisor or call:

telephone

514 394-8988, option 4
1 877 394-8988, option 4 (outside Montreal)

 

Rates subject to change without notice.

Would you like to invest in a GIC?
(1, 2, 7 or 13 months?)

Invest