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.

Guaranteed Investment Certificate (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	1.850 %	1.900 %	1.950 %	2.000 %	2.050 %	2.100 %

**Loyalty bonus²**
Term	RRSP / LIRA / LRSP / TFSA	RRIF / LIF
3 years	0.100 %	0.050 %
5 years	0.250 %	0.100 %

As of 2019/11/15

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.

**MAX Evolution GIC**
$25,000 minimum, available only in registered Contracts
Compound interest / Non redeemable / Redeemable (adjustment of - 0.250 % to the posted rate)

Base rate
Term	$25,000 and over
3 years	1.900 %
5 years	1.950 %

**Loyalty bonus¹**
Term	RRSP / LIRA / LRSP / TFSA	RRIF / LIF
3 years	0.150 %	0.100 %
5 years	0.250 %	0.100 %

As of 2019/11/15

¹ 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.

Traditionnal 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 +³	1.500 %	1.500 %	1.500 %	1.500 %	1.500 %	1.500 %
4 years	1.650 %	1.700 %	1.750 %	1.800 %	1.850 %	1.900 %
5 years	1.850 %	1.900 %	1.950 %	2.000 %	2.050 %	2.100 %
5 years +⁴	1.850 %	1.850 %	1.850 %	1.850 %	1.850 %	1.850 %
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 2019/11/15

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 April 2023
⁴ Maturity date April 2025

The portfolio bonus is included in the rates illustrated above.

**MAX Rate GIC**
Interest paid annually or compounded to maturity
Non redeemable
$25,000 minimum deposit
Deposit	$25,000 and over
1 year	1.850 %
2 years	1.850 %
3 years	1.900 %
4 years	1.950 %
5 years	1.950 %

As of 2019/11/15

Non-eligible to the portfolio bonus

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 2019/11/15

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	1.650 %	1.400 %
5 years	1.850 %	1.600 %

As of 2019/11/15

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 2019/11/15

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 2019/11/15

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 2019/11/15

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

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.