Term Deposits (GICs)

Term Deposits

Rates are subject to change at any time without notice. For more information about Tandia's interest rates, visit your branch, call our Member Solutions Centre: 1.800.598.2891 or contact us.
Special Offer Term Deposits Rates
6 Month Term Deposit - New $ Only 2.76%
13 Month Term Deposit - New $ Only 3.26%
27 Month Term Deposit 2.70%
33 Month Term Deposit 3.00%
55 Month Term Deposit 3.15%
Limited time offer. Minimum $1,000, non-redeemable.  Interest is paid annually and at maturity. Auto-renews for 1 year non-redeemable term deposit.
5 Year STEP Term Deposit Rates
Year 1 2.25%
Year 2 2.50%
Year 3 2.75%
Year 4 3.00%
Year 5 5.00%
Effective Yield 3.09%
Minimimum $1,000. Cashable on each anniversary date. Renews for 1 year non-redeemable term deposit at maturity.
3 Year Premium STEP Term Deposit Rates
Year 1 2.25%
Year 2 2.50%
Year 3 4.00%
Effective Yield 2.91%
Minimum $1,000, non-redeemable. Convertible to 4 or 5 year term deposit at any time. Renews for 1 year non-redeemable term deposit at maturity.
Non-Redeemable Long Term Deposits Rates
1 Year Term Deposit 1.45%
18 Month Term Deposit 1.45%
2 Year Term Deposit 1.45%
3 Year Term Deposit 3.00%
4 Year Term Deposit 1.70%
5 Year Term Deposit 3.25%
Minimum $500, youth/trust $100, non-redeemable. Semi-annual or monthly interest payments (min. $5,000) available at slightly lower rates. Renews for same term at maturity.
Non-Redeemable Short Term Deposits Rates
30 - 59 Days 0.20%
60 - 89 Days 0.40%
90 - 179 Days 0.75%
180 - 269 Days 0.80%
270 - 364 Days 1.05%
Minimum $1,000, non-redeemable. Interest paid at maturity. Renews for same term at maturity.
US Short Term Non-Redeemable Term Deposits (Rates effective 2018-11-02) Rates
US 30 - 59 Days 0.05%
US 60 - 89 Days 0.15%
US 90 - 179 Days 0.20%
US 180 - 269 Days 0.35%
US 270 - 364 Days 0.45%
Minimum $1,000, non-redeemable. Interest is paid at maturity. Renews for same term at maturity.
PayDay Term Deposit Rates
1 Year 1.35%
Minimum $1,000 goal, cashable. Renews for 1 Year Cashable Term Deposit at maturity.
Cashable Term Deposit Rates
1 Year 1.20%
Minimum $500, cashable. Renews for same term at maturity.

S&P / TSX 60 Index-Linked Term Deposits


Term Sales end: Effective date: Maturity date: Participation rate:
3 Years Dec 31/18

Jan 7/19

Jan 3/22 75.00%
5 Years Jan 7/24 125.00%
Minimum $500, non-redeemable. See Term Sheet for return calculation details. Renews for non-redeemable 1 year deposit at maturity.


Interest rates are stated per annum and subject to change at any time without notice. 

Unless otherwise noted, interest on term deposits of 1 year or more is paid or compounded annually.

Deposits insured by the Deposit Insurance Corporation of Ontario.  Deposits in registered plans are fully insured.  Other Canadian dollar deposits insured up to $250,000.  For further information on deposit insurance, call DICO at 1.800.268.6653 or visit www.dico.com.

 

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