Interest rates for savings and investment products

See the interest rates in effect for La Capitale's savings and investment products.

Guaranteed Investment Certificate (GIC)

Promotional rates

 
Portfolio $500 to
$9,999
$10,000 to
$24,999
$25,000 to
$49,999
$50,000 to
$99,999
$100,000 to
$249,999
$250,000 +
3 years +1,4 1.500 % 1.500 % 1.500 % 1.500 % 1.500 % - 2
5 years +1,5 2.250 % 2.250 % 2.500 % 2.500 % 2.500 % - 2
Civil service employees
Additional 0.125 % bonus exclusive for Quebec civil service employees and their spouses  
Portfolio $500 to
$9,999
$10,000 to
$24,999
$25,000 to
$49,999
$50,000 to
$99,999
$100,000 to
$249,999
$250,000 +
3 years +1,4 1.625 % 1.625 % 1.625 % 1.625 % 1.625 % - 2
5 years +1,5 2.375 % 2.375 % 2.625 % 2.625 % 2.625 % - 2

Traditional GIC and special terms

Traditional GIC:
Compound interest / Non redeemable / Redeemable (adjustment of - 0.250 % to the posted rate)
Special terms GIC + :
Compound interest / Non redeemable / New deposit only 1
Portfolio $500 to
$9,999
$10,000 to
$24,999
$25,000 to
$49,999
$50,000 to
$99,999
$100,000 to
$249,999
$250,000 +
1 year 0.750 % 0.850 % 0.950 % 1.050 % 1.150 % 1.250 %
2 years 1.000 % 1.100 % 1.200 % 1.300 % 1.400 % 1.500 %
3 years 1.100 % 1.200 % 1.300 % 1.400 % 1.500 % 1.600 %
3 years +1,3,4 1.500 % 1.500 % 1.500 % 1.500 % 1.500 % - 2
4 years 1.250 % 1.350 % 1.450 % 1.550 % 1.650 % 1.750 %
5 years 1.650 % 1.750 % 1.850 % 1.950 % 2.050 % 2.150 %
5 years +1,3,5 2.250 % 2.250 % 2.500 % 2.500 % 2.500 % - 2
7 years 2.000 % 2.100 % 2.200 % 2.300 % 2.400 % 2.500 %
10 years 2.200 % 2.300 % 2.400 % 2.500 % 2.600 % 2.700 %
10 years +6 2.400 % 2.400 % 2.400 % 2.400 % 2.400 % 2.400 %

As of 2012/02/22

1
New deposit only. Certain conditions apply.
2
Contact your financial security advisor for amounts higher than $250,000.
3
Additional 0.125 % bonus exclusive for Quebec civil service employees and their spouses.
4
Maturity date April 2015
5
Maturity date April 2017. Bonus for $25,000 and + applies per investment.
6
Maturity date April 2022
The portfolio bonus is included in the rates illustrated above.

 

Compound interest flexible disbursement GIC

Compound interest flexible disbursement GIC
(minimum $5 000)
Term Rate
2 years 0.375 %
3 years 0.625 %
4 years 0.750 %
5 years 0.875 %
6 years 1.000 %
7 years 1.125 %
8 years 1.125 %
9 years 1.250 %
10 years 1.250 %

As of 2012/02/22

Periodic deposit GIC

Periodic deposit GIC
(minimum $500)
Term Non Redeemable Redeemable
1 year 0.750 % 0.500 %
2 years 1.000 % 0.750 %
3 years 1.100 % 0.850 %
4 years 1.250 % 1.000 %
5 years 1.650 % 1.400 %

As of 2012/02/22

The only way to contribute is by salary deductions and preauthorized payments.

Short term GIC

Short term GIC
(minimum $500)
Term Non Redeemable Redeemable
30 days 0.300 % 0.050 %
60 days 0.400 % 0.150 %
90 days 0.500 % 0.250 %
120 days 0.500 % 0.250 %
150 days 0.500 % 0.250 %
180 days 0.600 % 0.350 %
270 days 0.600 % 0.350 %

As of 2012/02/22

Redeemable graduated compound interest GIC

Redeemable graduated compound interest GIC
(minimum 500 $)
Term 7 years
First year 0.700 %
Second year 1.250 %
Third year 1.500 %
Fourth year 1.750 %
Fifth year 2.500 %
Sixth year 3.000 %
Seventh year 4.500 %
Average annual rate 2.165 %

As of 2012/02/22

Daily interest savings account

Daily interest savings account
Balance Rrsp/Lera Rrif/Lif Non-Rrsp
0.00 $ to 999.99 $ 0.150 % 0.600 % 0.150 %
1,000.00 $ and over 0.150 % 0.600 % 0.150 %

As of 2012/02/22

Contact one of our mortgage financing advisors or call 1-888-703-4480.

If interest rates published on this site differ from those in the official list from La Capitale Financial Group Inc., the official list published by La Capitale Financial Group Inc. shall prevail.

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

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