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)
| 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 % |
| Term | RRSP / LIRA / LRSP / TFSA | RRIF / LIF |
|---|---|---|
| 3 years | 0.100 % | 0.050 % |
| 5 years | 0.250 % | 0.100 % |
As of 2019/02/15
- 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.
| 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.
| Term | $25,000 and over |
|---|---|
| 3 years | 2.500 % |
| 5 years | 3.150 % |
| Term | RRSP / LIRA / LRSP / TFSA | RRIF / LIF |
|---|---|---|
| 3 years | 0.150 % | 0.100 % |
| 5 years | 0.300 % | 0.150 % |
As of 2019/02/15
- 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
| 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 | 1.650 % | 1.700 % | 1.750 % | 1.800 % | 1.850 % | 1.900 % |
| 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 2019/02/15
- 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 July 2022
- 4 Maturity date July 2024
The portfolio bonus is included in the rates illustrated above.
| 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.
| Deposit | $25,000 and over |
|---|---|
| 1 year | 2.150 % |
| 2 years | 2.300 % |
| 3 years | 2.500 % |
| 4 years | 2.700 % |
| 5 years | 3.150 % |
As of 2019/02/15
Non-eligible to the portfolio bonus
Compound interest flexible disbursement GIC
| 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 2019/02/15
Periodic deposit GIC
| 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 | 1.900 % | 1.650 % |
As of 2019/02/15
The only way to contribute is by salary deductions and preauthorized payments.
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 | 0.350 % | 0.100 % |
| 150 days | 0.350 % | 0.100 % |
| 180 days | 0.400 % | 0.150 % |
| 270 days | 0.400 % | 0.150 % |
As of 2019/02/15
Redeemable graduated compound interest GIC
| 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 2019/02/15
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 2019/02/15
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.
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