Registered Deposits

Effective March 19, 2019

Special Offers

Long Term GIC
HMECU Special Offer
16 Months 2.85%*
26 Months 3.10%*
39 Months 3.30%*

Long Term Rates

Long Term GIC
$1,000 - $49,999
$50,000 - $99,999
$100,000+
1 Year 1.45% 1.50% 1.55%
18 Months 1.45% 1.50% 1.55%
2 Year 1.45% 1.50% 1.55%
3 Year 1.60% 1.65% 1.70%
4 Year 1.75% 1.80% 1.85%
5 Year 2.00% 2.05% 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 1.00%
RRSP/RRIF Variable - Less than $2,500 0.15%
RRSP/RRIF Variable - $2,500 or Greater 0.35%
*New money only. “New” money is represented by funds that have been deposited into your HMECU account in the past 30 days from an external source. Minimum investment of $5,000 required.

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