| Financial Institution |
Redeemable |
Minimum Deposit |
7 Year |
8 Years |
9 Years |
10 Years |
11 Years |
12 Years |
| BMO Bank of Montreal |
N |
500 |
2.100 |
N/A |
N/A |
N/A |
N/A |
N/A |
| Canada Life |
R |
75000 |
3.750 |
3.750 |
3.750 |
3.750 |
N/A |
N/A |
| DUCA Financial Services |
N |
500 |
3.000 |
N/A |
N/A |
N/A |
N/A |
N/A |
| Desjardins Fin. Security |
R |
500 |
N/A |
N/A |
N/A |
3.500 |
N/A |
N/A |
| Empire Life |
R |
100000 |
N/A |
N/A |
N/A |
4.250 |
N/A |
N/A |
| Foresters |
R |
1000 |
N/A |
N/A |
N/A |
3.200 |
N/A |
N/A |
| Great-West Life |
N |
50000 |
3.750 |
3.750 |
3.750 |
3.750 |
4.250 |
4.250 |
| MAXA Financial |
R |
500 |
4.000 |
N/A |
N/A |
N/A |
N/A |
N/A |
| Manulife Investments |
R |
5000 |
3.350 |
3.400 |
3.450 |
3.500 |
N/A |
N/A |
| Royal Bank of Canada |
N |
500 |
2.100 |
N/A |
N/A |
2.300 |
N/A |
N/A |
| Standard Life |
N |
250000 |
2.950 |
2.975 |
3.000 |
3.025 |
N/A |
N/A |
| Standard Life Term Plus |
R |
25000 |
3.250 |
3.275 |
3.300 |
3.325 |
N/A |
N/A |
| Transamerica Life Canada |
N |
1000 |
N/A |
N/A |
N/A |
3.550 |
N/A |
N/A |
Last Update: 11-07-2009 11:30:09
Interest not compounded and paid annually.
Guaranteed investment certificates (GICs) require a minimum investment and pay a predetermined rate of interest for a stated term. The rate of interest varies according to the term of investment, amount invested, how the interest is calculated and whether or not the certificate is redeemable prior to maturity.
Guaranteed investment annuities (GIAs) are essentially the same as GICS except that they are offered by insurance companies. Short-term certificates have terms shorter than 180 days. Long-term certificates have terms of one to five years.
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