4.10% on 1 year and a half, should I take it? | Tangerine Bank | Discussion forum

My big placement is coming to an end on the 22th of October. I could select the option to automaticaly renew it at a rate of 4.10% instead of the usual 4.00% on the one year and a half GIC because it's ending between October 1st and 31st of October and they have a promotion that makes the automatic renewal increase the rate of 0.10% on the normal rate.

Should I go for that or wait longer this winter to see if rates go higher and reach some 4.60% like they did last year when I managed to lock at relatively high interest rates.