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Saturday, November 07, 2009 03:07 PM
 
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GIC/GIA Rates - Medium-term Non-registered
Financial Institution Redeemable Minimum Deposit 1 Year 2 Years 3 Years 4 Years 5 Years 6 Years
AGF Trust C 10000 .100 N/A N/A N/A N/A N/A
ATB Financial N 1000 .400 1.300 1.600 1.700 2.100 N/A
Achieva Financial N 1000 2.000 2.250 2.650 2.850 3.600 N/A
Alterna Bank N 500 1.200 1.400 2.750 1.700 2.950 N/A
Alterna Savings N 500 1.200 1.400 2.750 1.700 2.950 N/A
B2B Trust N 1000 .650 1.850 2.500 2.800 3.250 N/A
Bank Montreal Mtg. Corp. N 100000 .400 1.300 1.600 1.700 2.100 2.100
Bank West N 5000 .700 1.500 2.000 2.500 2.500 N/A
Bank of Nova Scotia C 1000 .200 N/A N/A N/A N/A N/A
Bk Nova Scotia Mtg. Corp C 1000 .200 N/A N/A N/A N/A N/A
CIBC C 1000000 .350 N/A N/A N/A N/A N/A
CIBC Trust Corp. N 1000 .400 1.300 1.600 1.700 2.100 2.100
Caisses Desjardins N 1000 .400 1.200 1.600 1.700 2.100 N/A
Canada Life R 1000 .500 1.500 2.150 2.750 3.050 3.250
Canadian Tire Bank N 500 .750 1.650 2.250 2.650 3.050 N/A
Canadian Western Bank N 1000 1.260 1.850 2.510 3.000 3.200 N/A
Canadian Western Trust N 5000 .650 1.550 1.850 1.950 2.350 N/A
Citibank C 5000 .150 1.000 1.350 1.450 1.850 N/A
Coast Capital Savings C 1000 1.000 N/A N/A N/A N/A N/A
Community Trust N 5000 1.400 2.100 2.300 2.600 2.800 N/A
Comtech Credit Union N 15000 1.750 1.800 2.000 2.200 3.310 N/A
Concentra Financial C 5000 .200 N/A N/A N/A N/A N/A
DUCA Financial Services N 500 1.200 1.800 2.250 2.450 2.900 2.900
Desjardins Fin. Security R 500 .700 1.450 2.100 2.550 2.850 N/A
Dundee Bank of Canada C 1000 .550 N/A N/A N/A N/A N/A
Effort Trust N 5000 1.100 1.750 2.400 2.750 3.000 N/A
Empire Life R 50000 .875 1.875 2.500 3.375 3.625 3.625
Equitable Life R 500 .750 1.500 2.450 3.200 3.700 3.750
Equitable Trust N 5000 1.300 2.050 2.550 2.800 3.250 N/A
Fiducie Desjardins N 1000 .400 1.200 1.600 1.700 2.100 N/A
First Calgary Savings N 500 .400 1.300 1.600 1.700 2.100 N/A
FirstOntario Credit Un. N 500 .400 1.300 1.600 1.700 2.000 N/A
General Bank of Canada N 5000 1.500 1.500 2.250 3.100 2.250 N/A
Great-West Life N 25000 .875 1.875 2.525 3.125 3.425 3.625
HSBC Bank Canada C 1000 .300 N/A N/A N/A N/A N/A
HomEquity Bank N 5000 1.250 1.950 2.550 2.750 3.300 N/A
Home Trust Company C 5000 .800 N/A N/A N/A N/A N/A
ICICI Bank Canada N 1000 1.200 1.700 2.400 2.600 3.100 N/A
ING Direct R 1 1.250 2.250 2.500 2.500 3.250 N/A
Key Savings + Credit U. N 1000 .400 1.300 1.600 1.700 2.100 N/A
Korea Exchange Bank N 3500 1.300 2.000 2.400 2.750 3.100 N/A
Laurentian Bank Canada N 1000 .400 1.300 1.600 1.700 2.100 N/A
Laurentienne Trust N 1000 .400 1.300 1.600 1.700 2.100 N/A
League Svgs & Mortgage N 500 .400 1.300 1.600 1.700 2.100 N/A
Libro Financial Group N 1000 1.100 1.750 2.300 2.550 3.000 N/A
London Life N 50000 1.000 2.000 2.650 3.250 3.550 N/A
M.R.S. Trust N 2500 1.000 1.900 2.450 2.900 3.200 N/A
MAXA Financial R 500 2.100 2.250 2.750 3.000 3.800 3.900
MCAN Mortgage Corp. N 5000 1.500 1.500 2.000 2.000 2.000 N/A
Manulife Bank N 2500 1.000 1.900 2.500 3.000 3.250 N/A
Manulife Investments R 5000 .750 1.700 2.300 2.750 3.250 3.300
National Bank N 1000 .400 1.200 1.600 1.900 2.100 N/A
Ontario Civil Service CU N 20000 1.400 N/A N/A N/A N/A N/A
Outlook Financial R 1000 2.100 2.350 2.750 2.950 3.600 N/A
PACE Savings & Credit Un N 1000 .400 1.300 1.600 1.700 2.100 N/A
Pacific & Western Bank N 1000 1.250 2.000 2.300 2.500 3.250 N/A
Parama Credit Union C 10000 1.250 N/A N/A N/A N/A N/A
Peace Hills Trust N 1000 1.150 1.750 2.450 2.850 3.050 N/A
Peoples Trust N 5000 1.000 1.750 2.000 2.000 2.000 N/A
President's Choice Fin'l N 500 .750 2.000 2.500 2.500 3.250 N/A
Promutuel Capital N 1000 .900 1.500 2.100 2.500 2.900 N/A
ResMor Trust C 5000 .250 N/A N/A N/A N/A N/A
Royal Bank of Canada N 1000 .450 1.350 1.250 2.000 2.000 N/A
Servus Credit Union N 1000 .450 1.350 1.650 1.750 2.150 N/A
So-Use Credit Union N 1000 1.000 1.150 1.350 1.550 2.250 N/A
Standard Life N 100000 1.000 1.900 2.600 2.800 2.800 2.825
Standard Life Term Plus R 25000 N/A N/A N/A N/A 3.200 3.225
State Bank of India (C) N 2000 1.300 2.000 2.500 2.500 3.100 N/A
Steinbach Credit Union N 500 1.900 2.150 2.550 2.750 3.500 N/A
T-D Mortgage N 1000 .400 1.300 1.600 1.700 2.100 N/A
TD Canada Trust C 500 .150 N/A N/A N/A N/A N/A
Transamerica Life Canada R 25000 .650 1.500 2.000 2.250 2.700 2.700
VanCity Savings (BC) N 500 1.000 1.300 1.600 1.700 2.100 N/A
Virtual One Credit Union N 1000 1.250 2.000 2.250 2.500 2.750 N/A
Windsor Family C.U. N 500 .500 1.400 1.700 1.700 2.100 N/A
Your Credit Union N 1000 .450 1.400 1.600 2.700 3.000 N/A
Your Neighbourhood C.U. N 500 1.100 1.850 2.300 2.600 3.050 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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