Interest rates for savings and investment products

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

See the rates of return on our investment accounts (PDF - 1 page)
 

Evolution GIC

Evolution GIC
$2,500 minimum, available only in registered Contracts
Compound interest / Non redeemable / Redeemable (adjustment of - 0.250 % to the posted rate)

Base rate based on client portfolio 1 at the time of initial purchase.  
Term $2,500 to
$9,999
$10,000 to
$49,999
$50,000 to
$99,999
$100,000 to
$199,999
$200,000 to
$349,999
$350,000
and over
3 years 1.500 % 1.550 % 1.600 % 1.650 % 1.700 % 1.750 %
5 years 1.900 % 1.950 % 2.000 % 2.050 % 2.100 % 2.150 %
Loyalty bonus2  
Term RRSP / LIRA / LRSP / TFSA RRIF / LIF
3 years 0.100 % 0.050 %
5 years 0.250 % 0.100 %

As of 2018/12/10

  • 1 In order to determine the bonus, the portfolio is defined as the sum of GICs (other than the Equity Index GIC) and the daily interest account (DIA) issued by La Capitale Civil Service Insurer that are held by the client and his or her spouse (if paired).
  • 2 The loyalty bonus is added to the current base rate to determine the extension rate . The bonus can vary from time to time as determined by the insurer. The base rate used for the extension will be the redeemable rate based on the term at the time of initial purchase.

The portfolio bonus is included in the rates illustrated above, if applicable.

RRSP Promotion - New Money1 - First year bonus
Term

New deposits1

New deposits

Quebec public service1,2

3 years + 0.25% + 0.50%
5 years + 0.50% + 0.75%

 

1 For new money only (cheque and external transfers). If a combination (new money and renewal), the bonus will be prorated to the new money invested. Amounts deposited in the transactional account will be recognized as new money for 60 days. Contact your MGA for amounts higher than $250,000.

2 Bonus exclusive to members of the Quebec public service and their spouses.

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
Portfolio1 /
Deposit
$500 to
$9,999
$10,000 to
$49,999
$50,000 to
$99,999
$100,000 to
$199,999
$200,000 to
$349,999
$350,000
and over 2
1 year 1.300 % 1.350 % 1.400 % 1.450 % 1.500 % 1.550 %
2 years 1.400 % 1.450 % 1.500 % 1.550 % 1.600 % 1.650 %
3 years 1.500 % 1.550 % 1.600 % 1.650 % 1.700 % 1.750 %
3 years +2 1.500 % 1.500 % 1.500 % 1.500 % 1.500 % - 1
4 years 1.600 % 1.650 % 1.700 % 1.750 % 1.800 % 1.850 %
5 years 1.900 % 1.950 % 2.000 % 2.050 % 2.100 % 2.150 %
5 years +3 1.900 % 1.900 % 1.900 % 1.900 % 1.900 % - 1
7 years 1.900 % 1.950 % 2.000 % 2.050 % 2.100 % 2.150 %
10 years 1.950 % 2.000 % 2.050 % 2.100 % 2.150 % 2.200 %

As of 2018/12/10

  • 1 In order to determine the bonus, the portfolio is defined as the sum of GICs (other than the Equity Index GIC) and the daily interest account (DIA) issued by La Capitale Civil Service Insurer that are held by the client and his or her spouse (if paired).
  • 2 Contact your financial security advisor for amounts higher than $350,000.
  • 3 Maturity date May 2022
  • 4 Maturity date May 2024

The portfolio bonus is included in the rates illustrated above.

RRSP promotion - Special terms GIC - 1st year bonus
Term New deposits1

New deposits

Quebec public service1,2

3 years + +0.25% +0.50%
5 years + +0.50% +0.75%

 

1 New deposits only. Rates apply per investment.

2 Bonus exclusive to members of the Quebec public service and their spouses.

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 2018/12/10

Periodic deposit GIC

Periodic deposit GIC
(minimum $500)
Term Non Redeemable Redeemable
1 year 1.300 % 1.050 %
2 years 1.400 % 1.150 %
3 years 1.500 % 1.250 %
4 years 1.600 % 1.350 %
5 years 1.900 % 1.650 %

As of 2018/12/10

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 0.260 % 0.010 %
60 days 0.260 % 0.010 %
90 days 0.260 % 0.010 %
120 days 0.350 % 0.100 %
150 days 0.350 % 0.100 %
180 days 0.400 % 0.150 %
270 days 0.400 % 0.150 %

As of 2018/12/10

Redeemable graduated compound interest GIC

Redeemable graduated compound interest GIC
(minimum 500 $)
Term 7 years
First year 0.700 %
Second year 1.000 %
Third year 1.100 %
Fourth year 1.200 %
Fifth year 1.600 %
Sixth year 2.000 %
Seventh year 3.600 %
Average annual rate 1.596 %

As of 2018/12/10

Daily interest savings account

Daily interest savings account
Balance Rrsp/Lera Rrif/Lif Non-Rrsp
0.00 $ to 999.99 $ 0.010 % 0.010 % 0.010 %
1,000.00 $ and over 0.010 % 0.010 % 0.010 %

As of 2018/12/10

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.

Get advice on insurance, savings and investments

1 866 867-9296

8:30 a.m. to 5:00 p.m. Monday to Friday

Email us