GIC Rate Sheet

Date Updated: February 20, 2025
IA Financial High Interest Savings Account: 2.45%
Manulife Advantage Account: 1.85%
Manulife Advantage Account- Corporate: 1.55%

Non-Registered

NO ANNUAL FEE

COMPANY 1YR 2YR 3YR 4YR 5YR MIN
B2B BANK 3.33 3.42 3.45 3.43 3.53 $10,000
BRIDGEWATER BANK 3.40 3.47 3.50 3.20 3.55 $10,000
COMMUNITY TRUST 3.23 3.31 3.35 3.33 2.95 $10,000
COMMUNITY TRUST 3.33 3.41 3.45 3.43 3.05 $50,000
CREDIT UNION ATLANTIC 3.61 3.54 3.34 3.27 3.36 $10,000
CREDIT UNION ATLANTIC 3.86 3.79 3.59 3.52 3.61 $25,000
DUCA FINANCIAL SERVICES CU 3.50 3.50 3.50 3.40 3.40 $10,000
DUCA FINANCIAL SERVICES CU 3.65 3.55 3.60 3.50 3.60 $25,000
DUCA FINANCIAL SERVICES CU 4.00 3.80 3.60 3.65 3.65 $100,000
EAST COAST CREDIT UNION 3.40 3.25 2.95 2.95 3.05 $25,000
EAST COAST CREDIT UNION 3.50 3.35 3.05 3.05 3.15 $50,000
GENERAL BANK OF CANADA 3.35 3.42 3.48 3.46 3.56 $10,000
HAVENTREE BANK 3.40 3.50 3.53 3.56 3.62 $20,000
HOME BANK 3.35 3.44 3.47 3.44 3.54 $10,000
HOME TRUST 3.35 3.44 3.47 3.44 3.54 $10,000
LADYSMITH & DISTRICT CREDIT UNION 4.00 3.87 3.67 2.75 2.90 $25,000
LAURENTIAN BANK 3.33 3.42 3.45 3.43 3.53 $10,000
LEAGUE SAVINGS AND MORTGAGE COMPANY 3.00 3.00 3.00 3.00 3.00 $25,000
MANULIFE BANK 2.85 3.00 3.10 3.20 3.25 $10,000
MCAN FINANCIAL GROUP 3.40 3.40 3.40 3.40 3.40 $10,000
MCAN FINANCIAL GROUP 3.45 3.45 3.45 3.45 3.45 $25,000
MCAN FINANCIAL GROUP 3.50 3.50 3.50 3.50 3.50 $90,000
MOTUS BANK 2.50 2.20 2.05 1.70 1.70 $10,000
PEACE HILLS TRUST 3.10 3.20 3.25 3.30 3.30 $10,000
PEOPLES TRUST 2.80 2.85 2.95 2.90 2.90 $10,000
VERSABANK 3.35 3.43 3.45 3.43 3.51 $10,000
WEALTH ONE BANK OF CANADA 3.25 3.25 3.25 3.20 3.20 $25,000
WINDSOR FAMILY CREDIT UNION 4.01 3.86 3.66 3.66 3.66 $10,000

RRSP/RRIF

NO ANNUAL FEE

COMPANY 1YR 2YR 3YR 4YR 5YR MIN
B2B BANK 3.33 3.42 3.45 3.43 3.53 $10,000

Non-Registered, RRSP, RRIF/LIF, TFSA & Corporate

Available Inside B2B Financial Services- $150+ GST Annual Fee (TFSA $50+ GST) **Discounted fees could apply for multiple accounts

COMPANY 1YR 2 YR 3YR 4YR 5YR MIN
B2B BANK 3.33 3.42 3.45 3.43 3.53 $10,000
BANK OF NOVA SCOTIA 2.95 3.00 3.10 3.20 3.25 $10,000
BANK OF NOVA SCOTIA TRUST  2.95 3.00 3.10 3.20 3.25 $10,000
COAST CAPITAL SAVINGS 3.30 3.30 3.30 3.30 3.30 $10,000
COMMUNITY TRUST 3.23 3.31 3.35 3.33 2.95 $10,000
COMMUNITY TRUST 3.33 3.41 3.45 3.43 3.05 $50,000
CONCENTRA BANK 3.32 3.43 3.46 3.44 3.55 $10,000
EQUITABLE BANK 3.32 3.43 3.46 3.44 3.55 $10,000
EFFORT TRUST 2.95 2.95 2.95 2.95 2.95 $10,000
GENERAL BANK  3.35 3.42 3.48 3.46 3.56 $10,000
HOME BANK 3.35 3.44 3.47 3.44 3.54 $10,000
HOME TRUST 3.35 3.44 3.47 3.44 3.54 $10,000
LAURENTIAN BANK/ TRUST/ LBC TRUST 3.33 3.42 3.45 3.43 3.53 $10,000
MANULIFE BANK 2.85 3.00 3.10 3.20 3.25 $10,000
MCAN FINANCIAL GROUP 3.40 3.40 3.40 3.40 3.40 $10,000
MCAN FINANCIAL GROUP 3.45 3.45 3.45 3.45 3.45 $25,000
MCAN FINANCIAL GROUP 3.50 3.50 3.50 3.50 3.50 $90,000
MONTREAL TRUST  2.95 3.00 3.10 3.20 3.25 $10,000
NATIONAL TRUST 2.95 3.00 3.10 3.20 3.25 $10,000
PEACE HILLS TRUST 3.10 3.20 3.25 3.30 3.30 $10,000
PEOPLES TRUST 2.80 2.85 2.95 2.90 2.90 $10,000
SCOTIA MORTGAGE CORP. 2.95 3.00 3.10 3.20 3.25 $10,000
VERSABANK 3.35 3.43 3.45 3.43 3.51 $10,000

*Purchase minimum not applicable when maximum allowable contribution limit is below $10,000 (TFSA & RRSP only)