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.
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
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.
You get the benefit of a longer-term investment, with a built-in opportunity each year to adjust if your needs change.
Rates automatically increase each year for steady, predictable growth.
Check in each year and adjust your plan if your goals change.
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
You can book an appointment, email our team, or open an account online using the options below.
The Rate Riser GIC is a 5-year guaranteed investment where the interest rate increases each year. That means your return grows overtime if you keep the investment to maturity.
Yes, but only once per year on your investment anniversary date. You have a 7-day window to withdraw all or part of your funds. Outside of that window, the investment cannot be redeemed until the next anniversary.
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.
Yes. A $1.50 withdrawal fee applies each time you make a withdrawal during your anniversary window.
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.
Yes. The Rate Riser GIC is available in both registered (such as RRSPs and TFSAs) and non-registered accounts.
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