April 6, 2013
Top It Up said
That forum thread was from 2015 - Hubert changed their early cashable rules to NO early cashable in Jan 2016 - my read is only cashable on the quarter.
That is NOT true.
1year cashable GIC - you can cash it at ANY TIME during the year. You will get full interest if you cash it at every quarter of your term. You will NOT get interest for period in between quarters if you cash it in between quarters, as I mentioned in my previous post.
ALL OTHER GICs are casable but you will not get any interests.
Confirmed today at 09:15 with Sara from Hubert.
For nitty-gritty details unfortunately you have ALWAYS to check in person. If they are to put everything in writing, it will be over 100 pages and it will be all lawyers talk. That is called 'small print'.
I also can confirm, that Hubert's one-year term is cashable anytime, with the loss of any interest that had accrued but not paid out quarterly yet.
I tried that in November 2016.
Thanks everyone for confirming that the cashability of the one-year term has not changed.
The research deserves its own topic.
December 17, 2016
Not really "cashable" then IF you're not getting interest outside the quarterly redemption periods . hard to see what all the hoopla is about Hubert, if you're having to leave interest money on the table.
Hubert doesn't even stand out from the crowd by offering the option of cashing out only a portion (i.e. what you need) and leaving the remainder in the GIC, as Outlook Financial does - it's all or none with Hubert.
AGAIN, hard to see what all the hoopla is about Hubert.
October 21, 2013
Nobody ever said you'd get interest past the quarterly dates. I, for one, was explicit that you would not.
Top It Up could have quietly and quickly resolved any lingering doubts. All it takes is a phone call or a quick email. I wonder why they didn't do that rather than raising doubts repeatedly about other people's experiences and email reports which were quite consistent.