Guaranteed Investment Certificates (GICs)

Rates effective 2018-11-16

Guaranteed Investments - Non-Redeemable (Personal Only) Rates
WealthONE GICs - 6 Months 1.50%
WealthONE GICs - 1 Year 3.00%
WealthONE GICs - 18 Months 3.10%
WealthONE GICs - 2 Years 3.20%
WealthONE GICs - 3 Years 3.28%
WealthONE GICs - 4 Years 3.36%
WealthONE GICs - 5 Years 3.50%
Available for TFSAs and RRSPs.

These rates apply to non-registered GICs and registered GICs held in TFSAs and RRSPs.

For GICs with a term of more than one year, interest is compounded on each anniversary date of the GIC and then paid on the maturity date.  For terms of one year or less, simple interest is calculated and paid at maturity. Rates are subject to change at any time. GIC confirmations are sent by mail to clients. GICs renew automatically unless the customer provides instructions to the contrary, which requires the customer to call the Wealth One Call Centre at 1.866.392.1088. These instructions may be provided up to 10 days after the renewal date.  The issue date of the GIC is the date on which funds are received by the Bank. See Terms & Conditions.