GICs & Deposits

To purchase a GIC, simply log into Online Banking and click Open an Account. Don't have an account with us yet? Phone our  Advice Centre at 1.888.517.7000 or apply online to take advantage of these rates.

GICs are also available as most Registered Accounts.

Long-Term Deposits
Rate effective Jul 12, 2021
1 Year GIC 0.700%
15 Month GIC 1.100%
18 Month GIC 0.750%
2 Year GIC 0.800%
3 Year GIC 1.150%
4 Year GIC 1.250%
5 Year GIC 1.500%
Short-Term Deposits
Rate effective Oct 26, 2020
1 month to less than 2 months 0.100%
2 months to less than 3 months 0.150%
3 months to less than 4 months 0.200%
4 months to less than 6 months 0.200%
6 months to less than 9 months 0.250%
9 months to less than 12 months 0.350%
Redeemable GIC
Rate effective Jul 12, 2021
1 Year Redeemable GIC 0.350%
1 Year Better Than Cash GIC 0.750%
Market-Linked GIC
View Current and Past Offers
Short-Term US Deposits
Rate effective Apr 7, 2020
1 month to less than 2 months 0.050%
2 months to less than 3 months 0.100%
3 months to less than 4 months 0.150%
4 months to less than 6 months 0.200%
6 months to less than 9 months 0.250%
9 months to less than 12 months 0.300%
Rising Rate GIC
Rate effective Jun 28, 2021
3 Year Rising Rate GIC
Year 1
Year 2
Year 3
0.700%
1.000%
2.000%
7 Year Rising Rate GIC
Year 1
Year 2
Year 3
Year 4
Year 5
Year 6
Year 7
0.600%
0.700%
0.800%
0.900%
1.000%
1.500%
2.000%
Offer subject to change without notice at any time. Interest rates are guaranteed and are calculated on a per annum basis. Learn more about how our interest rates are calculated on deposit and GIC accounts.
Need more help? You can count on us
Call us at 1.888.517.7000 Mon-Sat, 8am-8pm; Sun, 9am-5:30pm.