Term Deposits/GICs: 1 to 6 years
Financial Institution Compound
Frequency
Payment
Frequency
Redeem-
able
Redeemable
Term
Minimum
Deposit
Term In Years
1 2 3 4 5 6
B2B Bank N E no   1,000 5.1400 - - - - -
  N E no   5,000 5.1400 - - - - -
  N E no   25,000 5.1400 - - - - -
  N A no   1,000 5.1400 4.9300 4.7000 4.3500 4.1800 -
  N S no   1,000 4.8900 4.6800 4.4500 4.1000 3.9300 -
  N Q no   1,000 4.7650 4.5550 4.3250 3.9750 3.8050 -
  N M no   10,000 4.7650 4.5550 4.3250 3.9750 3.8050 -
  A E no   1,000 5.1400 4.9300 4.7000 4.3500 4.1800 -
BMO Mortgage Corp. N A cashable 30 days 5,000 3.4500 - - - - -
  N A no   1,000 4.9000 4.6000 4.3500 4.3000 4.2000 4.2000
  N S no   1,000 4.8000 4.5000 4.2500 4.2000 4.1000 4.1000
  N M no   1,000 4.7500 4.4500 4.2000 4.1500 4.0500 4.0500
  A E no   1,000 4.9000 4.6000 4.3500 4.3000 4.2000 4.2000
BMO Trust N A cashable 30 days 5,000 3.4500 - - - - -
  N A no   1,000 4.9000 4.6000 4.3500 4.3000 4.2000 4.2000
  N S no   1,000 4.8000 4.5000 4.2500 4.2000 4.1000 4.1000
  N M no   1,000 4.7500 4.4500 4.2000 4.1500 4.0500 4.0500
  A E no   1,000 4.9000 4.6000 4.3500 4.3000 4.2000 4.2000
Bank of Montreal N A cashable 30 days 5,000 3.4500 - - - - -
  N A no   1,000 4.9000 4.6000 4.3500 4.3000 4.2000 4.2000
  N S no   1,000 4.8000 4.5000 4.2500 4.2000 4.1000 4.1000
  N M no   1,000 4.7500 4.4500 4.2000 4.1500 4.0500 4.0500
  A E no   1,000 4.9000 4.6000 4.3500 4.3000 4.2000 4.2000
Bank of Nova Scotia Agt N A cashable 30 days 1,000 3.8500 - - - - -
  N A no   1,000 4.9500 4.6000 4.3500 4.3000 4.2000 -
  N S no   1,000 4.8750 4.5250 4.2750 4.2250 4.1250 -
  N M no   5,000 4.8250 4.4750 4.2250 4.1750 4.0750 -
  A E no   1,000 4.9500 4.6000 4.3500 4.3000 4.2000 -
Bnk of Nova Scotia Trust N A cashable 30 days 1,000 3.8500 - - - - -
  N A no   1,000 4.9500 4.6000 4.3500 4.3000 4.2000 -
  N S no   1,000 4.8750 4.5250 4.2750 4.2250 4.1250 -
  N M no   5,000 4.8250 4.4750 4.2250 4.1750 4.0750 -
  A E no   1,000 4.9500 4.6000 4.3500 4.3000 4.2000 -
CT trustee for Vancity N A cashable 90 days 5,000 4.0000 - - - - -
  N A no   5,000 5.0000 4.2000 4.2500 4.1000 4.0500 -
  N S no   5,000 4.9000 4.1000 4.1500 4.0000 3.9500 -
  N M no   5,000 4.8000 4.0000 4.0500 3.9000 3.8500 -
  A E no   5,000 - 4.1000 4.1500 4.0000 3.9500 -
CT trustee for Vancity N A cashable 30 days 5,000 .0000 - - - - -
Coast Capital Svgs Agt. N A cashable 30 days 5,000 .2500 - - - - -
  A E cashable 90 days 5,000 .3500 - - - - -
  N A no   5,000 4.9500 4.6300 4.4000 4.3000 4.2000 -
  N A no   100,000 4.9500 4.6300 4.4000 4.3000 4.2000 -
  N S no   10,000 4.9500 4.6300 4.4000 4.3000 4.2000 -
  N S no   100,000 4.9500 4.6300 4.4000 4.3000 4.2000 -
  N Q no   10,000 4.9500 4.6300 4.4000 4.3000 4.2000 -
  N Q no   100,000 4.9500 4.6300 4.4000 4.3000 4.2000 -
  N M no   10,000 4.9500 4.6300 4.4000 4.3000 4.2000 -
  N M no   100,000 4.9500 4.6300 4.4000 4.3000 4.2000 -
  A E no   5,000 4.9500 4.6300 4.4000 4.3000 4.2000 -
  A E no   100,000 4.9500 4.6300 4.4000 4.3000 4.2000 -
Concentra Bank N A cashable 30 days 5,000 4.3500 - - - - -
  N A no   5,000 5.1400 4.9300 4.7200 4.5300 4.4600 -
  A E no   5,000 5.1400 4.9300 4.7200 4.5300 4.4600 -
Equitable Bank N A no   1,000 5.1400 4.9300 4.7200 4.5300 4.4600 3.7500
  N S no   1,000 5.1000 4.8900 4.6800 4.4900 4.4200 3.7100
  N Q no   1,000 5.0700 4.8600 4.6500 4.4600 4.3900 3.6800
  N M no   1,000 5.0500 4.8400 4.6300 4.4400 4.3700 3.6600
  A E no   1,000 5.1400 4.9300 4.7200 4.5300 4.4600 3.7500
Equitable Trust N A cashable 30 days 1,000 4.3500 - - - - -
  N A no   1,000 5.1400 4.9300 4.7200 4.5300 4.4600 3.7500
  N S no   1,000 5.1000 4.8900 4.6800 4.4900 4.4200 3.7100
  N Q no   1,000 5.0700 4.8600 4.6500 4.4600 4.3900 3.6800
  N M no   1,000 5.0500 4.8400 4.6300 4.4400 4.3700 3.6600
  A E no   1,000 5.1400 4.9300 4.7200 4.5300 4.4600 3.7500
Home Bank - Agent N A cashable 30 days 1,000 4.3500 - - - - -
  N A no   1,000 5.1500 4.9300 4.7500 4.5100 4.4300 -
  N S no   1,000 5.1000 4.8800 4.7000 4.4600 4.3800 -
  N M no   1,000 5.0500 4.8300 4.6500 4.4100 4.3300 -
  A E no   1,000 5.1500 4.9300 4.7500 4.5100 4.4300 -
Home Trust Company-Agent N A cashable 30 days 1,000 4.3500 - - - - -
  N A no   1,000 5.1500 4.9300 4.7500 4.5100 4.4300 -
  N S no   1,000 5.1000 4.8800 4.7000 4.4600 4.3800 -
  N M no   1,000 5.0500 4.8300 4.6500 4.4100 4.3300 -
  A E no   1,000 5.1500 4.9300 4.7500 4.5100 4.4300 -
Home Trust Company-Agent N A cashable 90 days 1,000 4.4500 - - - - -
LBC Trust N E no   1,000 5.1400 - - - - -
  N E no   5,000 5.1400 - - - - -
  N E no   25,000 5.1400 - - - - -
  N A no   1,000 5.1400 4.9300 4.7000 4.3500 4.1800 -
  N S no   1,000 4.8900 4.6800 4.4500 4.1000 3.9300 -
  N Q no   1,000 4.7650 4.5550 4.3250 3.9750 3.8050 -
  N M no   10,000 4.7650 4.5550 4.3250 3.9750 3.8050 -
  A E no   1,000 5.1400 4.9300 4.7000 4.3500 4.1800 -
Laurentian Bk Agent Ser N E no   1,000 5.1400 - - - - -
  N E no   5,000 5.1400 - - - - -
  N E no   25,000 5.1400 - - - - -
  N A no   1,000 5.1400 4.9300 4.7000 4.3500 4.1800 -
  N S no   1,000 4.8900 4.6800 4.4500 4.1000 3.9300 -
  N Q no   1,000 4.7650 4.5550 4.3250 3.9750 3.8050 -
  N M no   10,000 4.7650 4.5550 4.3250 3.9750 3.8050 -
  A E no   1,000 5.1400 4.9300 4.7000 4.3500 4.1800 -
Laurentian Trust N E no   1,000 5.1400 - - - - -
  N E no   5,000 5.1400 - - - - -
  N E no   25,000 5.1400 - - - - -
  N A no   1,000 5.1400 4.9300 4.7000 4.3500 4.1800 -
  N S no   1,000 4.8900 4.6800 4.4500 4.1000 3.9300 -
  N Q no   1,000 4.7650 4.5550 4.3250 3.9750 3.8050 -
  N M no   1,000 4.7650 4.5550 4.3250 3.9750 3.8050 -
  A E no   1,000 5.1400 4.9300 4.7000 4.3500 4.1800 -
Manulife Bank N A no   2,500 4.5000 4.6500 4.5000 4.4700 4.4000 -
  N S no   2,500 4.4500 4.6000 4.4500 4.4200 4.3500 -
  N M no   10,000 4.4000 4.5500 4.4000 4.3700 4.3000 -
  A E no   2,500 4.5000 4.6500 4.5000 4.4700 4.4000 -
Manulife Trust N A no   2,500 4.5000 4.6500 4.5000 4.4700 4.4000 -
  N S no   2,500 4.4500 4.6000 4.4500 4.4200 4.3500 -
  N M no   10,000 4.4000 4.5500 4.4000 4.3700 4.3000 -
  A E no   2,500 4.5000 4.6500 4.5000 4.4700 4.4000 -
Montreal Trust Agt. Ser N A cashable 30 days 1,000 3.8500 - - - - -
  N A no   1,000 4.9500 4.6000 4.3500 4.3000 4.2000 -
  N S no   1,000 4.8750 4.5250 4.2750 4.2250 4.1250 -
  N M no   5,000 4.8250 4.4750 4.2250 4.1750 4.0750 -
  A E no   1,000 4.9500 4.6000 4.3500 4.3000 4.2000 -
National Bank Agent Ser N A cashable 30 days 5,000 4.3000 - - - - -
  N A no   1,000 4.9500 4.6000 4.3500 4.3000 4.2000 -
  N S no   1,000 4.8000 4.4500 4.2000 4.1500 4.0500 -
  N M no   5,000 4.7000 4.3500 4.1000 4.0500 3.9500 -
  A E no   1,000 4.9500 4.6000 4.3500 4.3000 4.2000 -
National Trust Agent S. N A cashable 30 days 1,000 3.8500 - - - - -
  N A no   1,000 4.9500 4.6000 4.3500 4.3000 4.2000 -
  N S no   1,000 4.8750 4.5250 4.2750 4.2250 4.1250 -
  N M no   5,000 4.8250 4.4750 4.2250 4.1750 4.0750 -
  A E no   1,000 4.9500 4.6000 4.3500 4.3000 4.2000 -
Peoples Trust N A no   5,000 4.8500 4.4500 4.3000 4.0500 4.0000 -
  N S no   5,000 4.6000 4.2000 4.0500 3.8000 3.7500 -
  N Q no   5,000 4.6000 4.2000 4.0500 3.8000 3.7500 -
  N M no   5,000 4.6000 4.2000 4.0500 3.8000 3.7500 -
  A E no   5,000 - 4.4500 4.3000 4.0500 4.0000 -
Scotia Mtge Corp. Agt. N A no   1,000 4.9500 4.6000 4.3500 4.3000 4.2000 -
  N S no   1,000 4.8750 4.5250 4.2750 4.2250 4.1250 -
  N M no   5,000 4.8250 4.4750 4.2250 4.1750 4.0750 -
  A E no   1,000 4.9500 4.6000 4.3500 4.3000 4.2000 -
VersaBank N A no   1,000 5.1400 4.9300 4.7500 4.5100 4.4300 -
  N S no   1,000 4.9900 4.7800 4.6000 4.3600 4.2800 -
  N M no   5,000 4.9400 4.7300 4.5500 4.3100 4.2300 -
  A E no   1,000 5.1400 4.9300 4.7500 4.5100 4.4300 -

Column Heading Value Description
Compound Frequency A Annually
  S Semi-annually
  Q Quarterly
  BM Bi-monthly
  M Monthly
  BW Bi-weekly
  W Weekly
  D Daily
  N Not compounded
Payment Frequency A Annually
  S Semi-annually
  Q Quarterly
  BM Bi-monthly
  M Monthly
  BW Bi-weekly
  W Weekly
  D Daily
  P Periodically
  E At maturity


Term deposits are investment products that offer a guaranteed rate of return for a pre-defined time period. The applicable interest rate varies according to the term of investment, the amount of money invested, the treatment of interest and whether or not the investment is redeemed prior to maturity. Term deposits are also known as GICs (Guaranteed Investment Certificates), or Accumulation Annuities when issued by an insurance company.