Sunday, April 20, 2014
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Interest rates table
To consult our GIAs rates, including the High Yield Monthly GIA, the Laddered GIA and the ASTRA Equity GIA, click on the icon at the right.
All GIAs and SSQ Loans  
Link to the non redeemable GIAs rates
Guaranteed Interest Account (GIA) - REDEEMABLE
Accumulation plans
Retirement income plans
Option 1
Retirement income plans
Option 2
The interest rates presented below only apply to accumulation plans : RRSPs, LIRAs, NRSPs, TFSAs and any group accumulation plans.
PDF Version
Interest rates in effect on April 20, 2014 
Last rate change on April 17, 2014
 Investment ($) Redeemable before maturity date
Compounded interest (%)Simple interest (%)
 1 yr18 mths2 yrs3 yrs4 yrs5 yrs1 yr18 mths2 yrs3 yrs4 yrs5 yrs
≥ 1,000< 10,000
0.300.400.500.751.001.250.300.400.500.751.051.30
≥ 10,000< 25,000
0.400.500.600.851.101.350.400.500.600.851.151.40
≥ 25,000< 50,000
0.500.600.700.951.201.450.500.600.700.951.251.50
≥ 50,000< 100,000
0.550.650.751.001.251.500.550.650.751.001.301.55
≥ 100,000< 250,000
0.600.700.801.051.301.550.600.700.801.051.351.60
≥ 250,000
0.650.750.851.101.351.600.650.750.851.101.401.65
 
Notes:
Rates are annualized and are subject to change without notice.
Rates for other terms are available upon request.
For contributions of $400 to $999, deduct 0.25% from the rate fixed for amounts from $1,000 to $9,999 (if term is one year or more).
Simple interest rates are only available for non-registered savings plans (NRSPs) and TFSAs.
A short-term interest rate of 0.25%, compounded annually, is applicable to accumulated contributions awaiting investment.
The interest rates presented below only apply to retirement income plans : RRIFs, LIFs, PRRIFs and LRIFs.
Option 1 allows for total redemptions of up to 20% of the market value of redeemable GIAs at no charge.
PDF Version
Interest rates in effect on April 20, 2014 
Last rate change on April 17, 2014
 Investment ($) Redeemable before maturity date - Option 1
Compounded interest (%)
 1 yr18 mths2 yrs3 yrs4 yrs5 yrs
≥ 1,000< 10,000
0.300.400.500.751.001.25
≥ 10,000< 25,000
0.400.500.600.851.101.35
≥ 25,000< 50,000
0.500.600.700.951.201.45
≥ 50,000< 100,000
0.550.650.751.001.251.50
≥ 100,000< 250,000
0.600.700.801.051.301.55
≥ 250,000
0.650.750.851.101.351.60
 
Notes:
Rates are annualized and are subject to change without notice.
Rates for other terms are available upon request.
For contributions of $400 to $999, deduct 0.25% from the rate fixed for amounts from $1,000 to $9,999 (if term is one year or more).
A short-term interest rate of 0.25%, compounded annually, is applicable to accumulated contributions awaiting investment.
The interest rates presented below only apply to retirement income plans : RRIFs, LIFs, PRRIFs and LRIFs.
Option 2 allows for scheduled periodic redemptions at no charge.
PDF Version
Interest rates in effect on April 20, 2014 
Last rate change on April 17, 2014
 Investment ($) Redeemable before maturity date - Option 2
Compounded interest (%)
 1 yr18 mths2 yrs3 yrs4 yrs5 yrs
≥ 1,000< 10,000
0.050.000.000.250.400.50
≥ 10,000< 25,000
0.150.100.100.350.500.60
≥ 25,000< 50,000
0.250.200.200.450.600.70
≥ 50,000< 100,000
0.300.250.250.500.650.75
≥ 100,000< 250,000
0.350.300.300.550.700.80
≥ 250,000
0.400.350.350.600.750.85
 
Notes:
Rates are annualized and are subject to change without notice.
Rates for other terms are available upon request.
For contributions of $400 to $999, deduct 0.25% from the rate fixed for amounts from $1,000 to $9,999 (if term is one year or more).
A short-term interest rate of 0.25%, compounded annually, is applicable to accumulated contributions awaiting investment.
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