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Registered Investments
Rates for 24 April 2025


Savings Deposit


Registered Savings Deposit

Features:   Redeemable — no penalty. Ideal for 'parking' your contribution prior to making an investment decision.
   Available in your Registered Retirement Savings Plan (RRSP) and Registered Education Savings Plan (RESP), Registered Disability Savings Plan (RDSP), Tax-Free Savings Account (TFSA), Retirement Income Fund (RIF), Life Income Fund (LIF) and Prescribed Retirement Income Fund (PRIF).
   Interest rates quoted are per annum, with interest calculated on the daily closing balance added to principal at the end of June and December. Interest rates are subject to change.

Registered Plans (except for TFSA)
For investments ofInterest Rate [ % ]
$0 to $5,499.99 0.450
$5,500 to $24,999.99 0.450
$25,000 to $49,999.99 0.450
$50,000 to $999,999,999.99 0.450

Tax-Free Savings Account (TFSA)
For investments ofInterest Rate [ % ]
$0 to $5,499.99 0.450
$5,500 to $24,999.99 0.450
$25,000 to $49,999.99 0.450
$50,000 to $999,999,999.99 0.450


Redeemable GICs


Redeemable Semi-Annual Compound Interest GICs

Features:   Available in your Registered Retirement Savings Plan (RRSP) and Tax-Free Savings Account (TFSA).
   Interest rates quoted are per annum, with interest calculated and added to principal on each 6 month anniversary date, and at maturity.
Prior redemption rate:   0.750 %
Minimum deposit:   $500

TermInterest Rate [ % ]
1 to 1.5 years less a day2.450
1.5 to 2 years less a day2.500
2 to 2.5 years less a day2.550
2.5 to 3 years less a day2.550
3 to 4 years less a day2.550
4 to 5 years less a day2.600
5 years only2.650


Non-Redeemable GICs


Non-Redeemable Annual Compound Interest GICs

Features:   Available in your Registered Retirement Savings Plan (RRSP), Registered Education Savings Plan (RESP), Registered Disability Savings Plan (RDSP), Retirement Income Fund (RIF), Life Income Fund (LIF) and Prescribed Retirement Income Fund (PRIF) and Tax-Free Savings Account (TFSA).
   Interest rates quoted are per annum, with interest calculated and added to principal on each 12 month anniversary date, and at maturity.
Minimum deposit:   $1000 ($500 for RRSP/RESP/RDSP/TFSA)

TermInterest Rate [ % ]
30 to 89 days2.450
90 to 179 days2.500
180 to 269 days2.500
270 to 364 days2.500
1 to 1.5 years less a day2.550
1.5 to 2 years less a day2.600
2 to 2.5 years less a day2.650
2.5 to 3 years less a day2.650
3 to 4 years less a day2.650
4 to 5 years less a day2.700
5 years only2.750
7 years only2.750
10 years only2.750


Non-Redeemable Annual Pay Non-Compounding Interest GICs

Features:   Available in your Registered Retirement Savings Plan (RRSP) and Tax-Free Savings Account (TFSA).
   Interest rates quoted are per annum, with interest calculated and paid on each 12 month anniversary date to a Registered Savings Deposit.
Minimum deposit:   $500

TermInterest Rate [ % ]
1 to 1.5 years less a day2.550
1.5 to 2 years less a day2.600
2 to 2.5 years less a day2.650
2.5 to 3 years less a day2.650
3 to 4 years less a day2.650
4 to 5 years less a day2.700
5 years only2.750


NOTES

Interest rates are subject to change without notice at any time.

Rates shown are calculated on a per annum basis.