Investments Fixed-Rate GICs

Investments

Rate (%) as of April 17, 2015 10:00 PM

Fixed-Rate GICs

Escalarater
(Minimum investment $500)

  Non-Redeemable Redeemable
  3 years 5 years 3 years 5 years
1st year 0.700 0.650 0.450 0.450
2nd year 1.000 1.250 0.850 1.000
3rd year 2.250 1.350 1.850 1.100
4th year ---- 1.650 ---- 1.400
5th year ---- 3.200 ---- 3.000
Average Rate 1.314 1.616 1.050 1.386

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) 0.700
2 years (redeemable without penalty after 6 months) 0.800

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Evoluterm
3 years (Minimum investment $1,500)

  minimum $1,500
1 year 0.900
2 years 1.100
3 years 1.250

5 years (Minimum investment $2,500)

  minimum $2,500
1 year 0.900
2 years 1.100
3 years 1.250
4 years 1.400
5 years 1.550

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 ---- 0.400 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

Compound 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
18 months 0.700 0.700 0.700 0.700
2 years 0.950 0.950 0.950 0.950
3 years 1.050 1.050 1.050 1.050
4 years 1.250 1.250 1.250 1.250
5 years 1.450 1.450 1.450 1.450

Available as RRSP

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Flexiterm
(Minimum investment $500)

  Rate
18 months 0.800

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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 ---- 0.300 0.300 0.300
90-119 ---- 0.350 0.350 0.350
120-149 ---- 0.400 0.400 0.400
150-179 ---- 0.450 0.450 0.450
180-269 ---- 0.500 0.500 0.500
270-364 ---- 0.550 0.550 0.550

Interest paid annually

Term $1,000 - $4,999 $5,000 - $99,999 $100,000 - $299,999 $300,000 and +
1 year 0.400 0.400 0.400 0.400
2 years 0.650 0.650 0.650 0.650
3 years 0.750 0.750 0.750 0.750
4 years 0.950 0.950 0.950 0.950
5 years 1.150 1.150 1.150 1.150

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TermNote Plus
(Minimum investment $1,000)

  Rate
61 months 1.450
84 months 1.850

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 0.450 %
$100,000 to $499 999 0.550 %
$500, 000 to 999 999 0.750 %
999 999 $ et + Please contact us

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

telephone

514-394-4494
1-844-394-4494

 

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

Montreal Area: 514-394-4494
Toll free: 1-844-394-4494

 

Rates subject to change without notice.

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

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