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Email this3:23 pm
March 2, 2014
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Implicity increased their Non-Redeemable GIC/TFSA (Rates effective 2014-04-29)
Today:
1 year 2.20%
2 year 2.35%
3 year 2.51%
4 year 2.65%
5 year 2.80%
6 year 2.90%
4:36 pm
August 28, 2013
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Nice but Accelerate is close by:
1 Year Term 2.25%
2 Year Term 2.30%
3 Year Term 2.50%
4 Year Term 2.55%
5 Year Term 2.70%
6 Year Term 2.75%
7 Year Term 2.80%
7:57 pm
February 17, 2013
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CDF isn't far out:
Non-Redeemable KeyReach™ RSP GICs (Rates effective 2014-04-30)
12 Month Term 1.95%
24 Month Term 2.25%
36 Month Term 2.30%
48 Month Term 2.55%
60 Month Term 2.70%
Add the .25% bonus rate for Canadian Direct Insurance customers and we have the weener!
And this would be why I don't use Coast Capital anymore:
Long Term 1-Year GIC 1.550%
Long Term 15-Month GIC 1.650%
Long Term 18-Month GIC 1.600%
Long Term 2-Year GIC 1.650%
Long Term 3-Year GIC 1.950%
Long Term 4-Year GIC 2.050%
Long Term 5-Year GIC 2.250%
Since the dramatic fall in rates over the last 6 years, I would have to question the wisdom of locking in for 5 years. How long CAN they stay so low???
5:30 pm
October 21, 2013
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Don't fool yourself. Rates can go lower yet. It's been a fairly slow slide, into 2-digit basis points at the consumer level in some cases. Take a look at the history of interest rates in Japan over the last 20 years or so.
This is why laddering can be so important, because we just don't know, and can't know, what rates will be in future.
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