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Guaranteed Rates
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Effective Fri Dec 15, 2017
1 Year Cashable (GIC, RSP, RIF & TFSA eligible)
After 30 days After 60 days After 90 days After 120 days After 180 days
1.000% 0.000% 1.300% 0.000% 0.000%
Daily *
Advantage Account Business Advantage Account Tax-Free Savings Advantage Account Registered Advantage Account US $
1.100% 0.850% 1.100% 1.100% 0.250%
Non-Redeemable
30 - 59 days 60 - 89 days 90 - 119 days 120 - 179 days 180 - 269 days 270 - 364 days
0.750% 0.850% 0.900% 1.150% 1.250% 1.450%
Guaranteed Interest Certificate (GIC)
1 Year 18 months 2 Year 3 Year 4 Year 5 Year
2.250% 2.300% 2.350% 2.800% 2.900% 2.720%
6 Year 7 Year 8 Year 9 Year 10 Year 15 Year
2.200% 2.200% 2.200% 2.200% 2.300% 2.250%
Registered Retirement Income Fund (RRIF) & Registered Retirement Savings Plan (RRSP)
1 Year 18 months 2 Year 3 Year 4 Year 5 Year
2.250% 2.300% 2.350% 2.500% 2.600% 2.720%
6 Year 7 Year 8 Year 9 Year 10 Year 15 Year
2.200% 2.200% 2.200% 2.200% 2.300% 2.250%
  • * Daily Terms -- Interest is calculated daily on the total daily balance and paid monthly. Rate is subject to change without notice. For Registered Advantage Account, withholding taxes may apply if funds are moved to a non-registered account.
  • All rates and minimum deposits are subject to change without notice.
  • Effective date and interest rate will be the date funds are deposited with the Financial Institution.
  • Deposits over $500,000 - please call as there may be special rates available.
  • Canada Deposit Insurance Corporation (CDIC) insures eligible CDN $ deposits at member institutions (up to $100,000 per depositor)
  • Credit Union Deposit Insurance Corporation (CUDIC) insures eligible Canadian $ deposits at member institutions (unlimited amounts for BC Credit Unions)