GIC rates
On This Page:
Fixed long-term Fixed short-term Floating rate redeemable Prime rateFixed long-term
CAD GIC rate specials*
18 month 1.700%
28 month 2.150%
*Limited time offer for 18-month and 28-month GIC deposits until March 1, 2022. Minimum $1000 deposit; eligible deposit types include non-registered, RRSP, TFSA and RRIF. All rates are calculated on a per annum basis and subject to change without notice.
Fixed long-term
Effective date: 20-December-21
| Term (months) |
Annual interest |
Monthly payment option; Annual interest1 |
Monthly payment option; Gold Leaf PLUS® Annual interest2 |
US Dollar Annual interest |
US Dollar Monthly payment option; Annual interest1 |
| 12 | 0.950% | 0.700% | 0.950% | 0.250% |
0.000% |
| 24 | 1.350% | 1.100% | 1.350% |
0.350% | 0.100% |
| 36 | 1.500% | 1.250% | 1.500% | 0.450% | 0.200% |
| 48 | 1.850% | 1.600% | 1.850% | 0.600% |
0.350% |
| 60 | 2.000% | 1.750% |
2.000% | 0.650% | 0.400% |
| 72 | 2.000% |
1.750% |
2.000% |
0.650% |
0.400% |
| 84 | 2.000% |
1.750% |
2.000% |
0.650% |
0.400% |
| 96 | 2.000% |
1.750% |
2.000% |
0.650% |
0.400% |
| 108 | 2.000% |
1.750% |
2.000% |
0.650% |
0.400% |
| 120 | 2.000% |
1.750% |
2.000% |
0.650% |
0.400% |
1Monthly interest is available only if interest is deposited to a account or electronically transferred to an account at another financial institution.
2The Gold Leaf Plus package is available to clients 57 and over, and waives the 0.25% rate reduction for monthly interest payments. The rate reduction applies if monthly interest is not deposited into a account.
Fixed short-term
Fixed short-term
Effective date: 20-December-21
| Term (days) |
Canadian | US dollar1 |
| 1-6 | See branch for details | 0.150% |
| 7-20 | See branch for details | 0.150% |
| 21-29 | See branch for details | 0.150% |
| 30 | 0.250% | 0.150% |
| 60 | 0.300% | 0.150% |
| 90 | 0.350% |
0.150% |
| 120 | 0.400% | — |
| 180 | 0.450% |
— |
1May not exceed 90 days.
Floating rate redeemable
Floating rate redeemable
Effective date: 20-December-21
| Term | Canadian1 | US dollar2 |
| 30 days to 1 year | 0.500% | 0.200% |
| 1-3 years | 0.500% | — |
1For deposits maturing prior to 1 year, interest is paid at maturity. For deposits maturing in 1 year or longer, interest is compounded annually.
2Interest is paid at maturity. Personal investments only.
Prime rate
Prime rate
Effective date: 20-December-21
| Prime rate | 2.45% |
| USD Prime rate | 3.25% |
