Registered Deposits

Effective May 1, 2019

Long Term Rates

Long Term GIC
HMECU Posted Rate
1 Year 1.50%
2 Year 1.60%
3 Year 1.70%
4 Year 1.85%
5 Year 2.10%

Rate Riser Special - Available for GIC & RRSP Only

Rate Riser Special - 5 Year Term Rate in Each Year
1 Year 1.25%
2 Year 1.75%
3 Year 2.25%
4 Year 2.75%
5 Year 3.25%

Variable Rate Deposits

Deposit Accounts Rates
TFSA Variable 0.80%
RRSP/RRIF Variable - Less than $2,500 0.15%
RRSP/RRIF Variable - $2,500 or Greater 0.35%

Rates compounded annually. Rates are subject to change without notice. In the event of a discrepancy, rates posted in branches will prevail.