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The Rate Riser gives you the confidence of a 5‑year investment with the freedom to access your money every year. You’ll enjoy rising rates over time, plus an annual cash‑out window that keeps your savings flexible when life changes. You can access your money once per year on your investment anniversary date, with a 7‑day window to withdraw all or part of your funds. Outside of that window, the investment can’t be redeemed until the next anniversary. Book an Appointment to get started.
Life is unpredictable. Your money should adapt and rise to 3.6%*
Earn an average annual return of 3.6%* over five years, with a built-in opportunity each year to access your money if life changes.
Ready to Take the Next Step?
We're here to help you get more from the Rate Riser. You can book an appointment, email our team, or open an account online using the options below.
Why members choose the Rate Riser
You get the benefit of a longer-term investment, with a built-in opportunity each year to adjust if your needs change.
3.6% Average Return*
Rates automatically increase each year for steady, predictable growth.
Review Annually
Check in each year and adjust your plan if your goals change.
Cashable Annually
Access your full or partial investment once every year on the anniversary date.
| Rate Riser Special | |
| 1 Year | 3.20% |
| 2 Years | 3.40% |
| 3 Years | 3.60% |
| 4 Years | 3.80% |
| 5 Years | 4.00% |
| *Annual Effective Rate 3.60% | |
*Redeemable in full or partial withdrawal once each year
on the investment anniversary date.*
Available for all your goals
- Registered Retirement Savings Plans (RRSPs)
- Tax‑Free Savings Accounts (TFSAs)
- Registered Retirement Income Funds (RRIFs)
- Non‑registered savings.
Get Started
You can book an appointment, email our team, or open an account online using the options below.
Frequently Asked Questions
How does the Rate Riser work and when can I access my money?
Is there a minimum withdrawal amount?
You must keep at least $1,000 in the GIC after any partial withdrawal. If the balance drops below $1,000, the entire GIC will be redeemed.
Is there a fee to withdraw funds?
Yes. A $1.50 withdrawal fee applies each time you make a withdrawal during your anniversary window.
What happens if I withdraw early?
Withdrawing before the full 5-year term may reduce the total interest you earn. The advertised Annual Effective Rate assumes you hold the GIC to maturity.
Is this available in registered accounts?
Yes. The Rate Riser GIC is available in both registered (such as RRSPs and TFSAs) and non-registered accounts.
When life changes, your savings should be there for you.
Our Rate Riser offers an average annual return of 3.6%* and a yearly cash-out opportunity, giving you the flexibility to access your money when you need it most. View full Terms and Conditions
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