| Financial Institution |
Redeemable |
Minimum Deposit |
30 Days |
60 Days |
90 Days |
120 Days |
180 Days |
270 Days |
| ATB Financial |
N |
1000 |
.150 |
.150 |
.150 |
.150 |
.200 |
.200 |
| Alterna Bank |
N |
5000 |
.150 |
.150 |
.150 |
.150 |
.200 |
.200 |
| Alterna Savings |
N |
5000 |
.150 |
.150 |
.150 |
.150 |
.200 |
.200 |
| B2B Trust |
N |
5000 |
N/A |
N/A |
.250 |
.250 |
.250 |
.250 |
| BMO Bank of Montreal |
N |
500 |
N/A |
N/A |
N/A |
N/A |
.200 |
.200 |
| Bank of Nova Scotia |
N |
2000 |
N/A |
N/A |
.150 |
.150 |
.200 |
.200 |
| Bk Nova Scotia Mtg. Corp |
N |
2000 |
N/A |
N/A |
.150 |
.150 |
.200 |
.200 |
| CIBC |
N |
500 |
N/A |
.150 |
.150 |
.150 |
.200 |
.200 |
| Caisses Desjardins |
N |
5000 |
.150 |
.150 |
.150 |
.150 |
.200 |
.200 |
| Canada Life |
R |
5000 |
.275 |
.300 |
.300 |
.300 |
.400 |
.400 |
| Citibank |
C |
1000 |
N/A |
N/A |
N/A |
N/A |
.100 |
.100 |
| Coast Capital Savings |
N |
1000 |
.500 |
.550 |
.600 |
.600 |
.650 |
.750 |
| Concentra Financial |
N |
10000 |
N/A |
N/A |
.150 |
.150 |
.200 |
.200 |
| DUCA Financial Services |
N |
500 |
N/A |
.800 |
.800 |
.800 |
N/A |
N/A |
| Desjardins Fin. Security |
R |
500 |
N/A |
N/A |
.500 |
N/A |
.500 |
N/A |
| Fiducie Desjardins |
N |
5000 |
.150 |
.150 |
.150 |
.150 |
.200 |
.200 |
| First Calgary Savings |
N |
2000 |
.150 |
.150 |
.150 |
.150 |
.200 |
.200 |
| Home Trust Company |
N |
2500 |
N/A |
N/A |
.850 |
.900 |
1.250 |
1.250 |
| ING Direct |
R |
1 |
N/A |
N/A |
.500 |
N/A |
.500 |
.500 |
| Laurentian Bank Canada |
N |
500 |
.150 |
.150 |
.150 |
.150 |
.200 |
.200 |
| Laurentienne Trust |
N |
500 |
.150 |
.150 |
.150 |
.150 |
.200 |
.200 |
| Libro Financial Group |
N |
1000 |
.400 |
.400 |
.400 |
.400 |
.400 |
.400 |
| MCAN Mortgage Corp. |
N |
100000 |
.300 |
.300 |
.950 |
.950 |
.750 |
.750 |
| Manulife Bank |
N |
100000 |
.250 |
.250 |
.250 |
.250 |
.500 |
.500 |
| National Bank |
N |
500 |
N/A |
N/A |
.150 |
N/A |
.200 |
N/A |
| Ontario Civil Service CU |
N |
100000 |
1.250 |
N/A |
N/A |
N/A |
N/A |
N/A |
| Peace Hills Trust |
R |
1000 |
.200 |
.200 |
.200 |
.200 |
.250 |
.250 |
| Promutuel Capital |
N |
5000 |
.250 |
.250 |
.250 |
.255 |
.500 |
.500 |
| Royal Bank of Canada |
N |
500 |
.150 |
.150 |
.150 |
.150 |
.200 |
.200 |
| Standard Life |
R |
500000 |
.350 |
N/A |
.500 |
N/A |
.500 |
.500 |
| SunLife Financial Trust |
N |
1000 |
.600 |
.700 |
.700 |
.800 |
.800 |
.800 |
| TD Canada Trust |
N |
2000 |
N/A |
N/A |
.050 |
.050 |
.050 |
.050 |
| Virtual One Credit Union |
N |
1000 |
.750 |
.750 |
.750 |
.750 |
1.250 |
1.250 |
| Windsor Family C.U. |
N |
500 |
.200 |
.200 |
.200 |
.200 |
.250 |
.250 |
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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