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
| 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 | 0.700 % | 0.750 % | 0.800 % | 0.850 % | 0.900 % | 0.950 % |
| 5 years | 0.950 % | 1.000 % | 1.050 % | 1.100 % | 1.150 % | 1.200 % |
| Term | RRSP / LIRA / LRSP / TFSA | RRIF / LIF |
|---|---|---|
| 3 years | 0.100 % | 0.050 % |
| 5 years | 0.250 % | 0.100 % |
As of 2021/03/04
- 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.
Traditional GIC and special terms
| 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 | 0.300 % | 0.350 % | 0.400 % | 0.450 % | 0.500 % | 0.550 % |
| 2 years | 0.350 % | 0.400 % | 0.450 % | 0.500 % | 0.550 % | 0.600 % |
| 3 years | 0.700 % | 0.750 % | 0.800 % | 0.850 % | 0.900 % | 0.950 % |
| 3 years +2 | 0.700 % | 0.700 % | 0.700 % | 0.700 % | 0.700 % | - 1 |
| 4 years | 0.800 % | 0.850 % | 0.900 % | 0.950 % | 1.000 % | 1.050 % |
| 5 years | 0.950 % | 1.000 % | 1.050 % | 1.100 % | 1.150 % | 1.200 % |
| 5 years +3 | 0.950 % | 0.950 % | 0.950 % | 0.950 % | 0.950 % | - 1 |
| 7 years | 1.250 % | 1.300 % | 1.350 % | 1.400 % | 1.450 % | 1.500 % |
| 10 years | 1.300 % | 1.350 % | 1.400 % | 1.450 % | 1.500 % | 1.550 % |
As of 2021/03/04
- 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 August 2024
- 4 Maturity date August 2026
The portfolio bonus is included in the rates illustrated above.
| Term | New deposits1 |
New deposits Quebec public service1 |
|---|---|---|
| 3 years + | +0.60% | +1.20% |
| 5 years + | +1.00% | +2.00% |
1 For new money only (deposit by cheque or transfer from another institution). If a combination (new money and renewal), the bonus will be prorated to the new money invested. Deposits in a DIA (daily interest account) are considered new money for 60 days.
Short term GIC
| Term | Non Redeemable | Redeemable |
|---|---|---|
| 30 days | 0.260 % | 0.010 % |
| 60 days | 0.260 % | 0.010 % |
| 90 days | 0.260 % | 0.010 % |
| 120 days | 0.260 % | 0.010 % |
| 150 days | 0.260 % | 0.010 % |
| 180 days | 0.260 % | 0.010 % |
| 270 days | 0.260 % | 0.010 % |
As of 2021/03/04
Redeemable graduated compound interest GIC
| Term | 7 years |
|---|---|
| First year | 0.050 % |
| Second year | 0.150 % |
| Third year | 1.000 % |
| Fourth year | 1.100 % |
| Fifth year | 1.200 % |
| Sixth year | 1.800 % |
| Seventh year | 2.850 % |
| Average annual rate | 1.160 % |
As of 2021/03/04
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 2021/03/04
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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