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)
Traditionnal 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 | 0.350 % | 0.400 % | 0.450 % | 0.500 % | 0.550 % | 0.600 % |
| 2 years | 0.550 % | 0.600 % | 0.650 % | 0.700 % | 0.750 % | 0.800 % |
| 3 years | 0.800 % | 0.850 % | 0.900 % | 0.950 % | 1.000 % | 1.050 % |
| 3 years +3 | 0.800 % | 0.800 % | 0.800 % | 0.800 % | 0.800 % | 0.800 % |
| 4 years | 0.900 % | 0.950 % | 1.000 % | 1.050 % | 1.100 % | 1.150 % |
| 5 years | 1.450 % | 1.500 % | 1.550 % | 1.600 % | 1.650 % | 1.700 % |
| 5 years +4 | 1.450 % | 1.450 % | 1.450 % | 1.450 % | 1.450 % | 1.450 % |
| 7 years | 1.550 % | 1.600 % | 1.650 % | 1.700 % | 1.750 % | 1.800 % |
| 10 years | 1.750 % | 1.800 % | 1.850 % | 1.900 % | 1.950 % | 2.000 % |
As of 2021/09/28
- 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 March 2025
- 4 Maturity date March 2027
The portfolio bonus is included in the rates illustrated above.
| Deposit | $25,000 and over |
|---|---|
| 1 year | 0.750 % |
| 2 years | 0.850 % |
| 3 years | 1.150 % |
| 4 years | 1.350 % |
| 5 years | 1.700 % |
As of 2021/09/28
Non-eligible to the portfolio bonus
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 2021/09/28
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 2021/09/28
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.
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