The Money Centre - Savings & Investments Special GICs Escalator type Guaranteed Investment Certificates (GICs) offer a fixed return for a fixed period of time. These tables list GIC lenders, minimum amounts, the interest rates and when the interest is accredited and product notes. The blended rate column illustrates an equivalent rate for each year of its full term. Use the drop down box on the right to compare options.

Other Available Rates   Savings & Investment Rates -------------------------------------------------- Savings accounts - Monthly/Daily Savings accounts - T-Bill/ U.S. GICs     GICs - Annual payment     GICs - Semi- annual payment     GICs - Quarterly payment     GICs - Monthly payment     GICs - Compound annual     GICs - Escalator 1-5 Years     GICs - Cashable Term Deposits 30 - 89 days Term Deposits 90 -364 days   Retirement Savings -------------------------------------------------- RRSPs 1 - 5 years RRIFs Savings accounts RRIFs 1 - 5 years RRIFs 10, 15, 20 years   Mortgages & Consumer Rates -------------------------------------------------- Mortgage rates Open/Var./Con. Mortgage rates - Closed 1 - 5 yrs Mortgage rates - Closed 6, 7,10 yrs Mortgage Discharging Fees Personal Loans Car Loans Credit Cards fees Travel Insurance Internet Fees Life Insurance Rates   Consumer Service Reports -------------------------------------------------- Safety Deposit Box Fees Drug Dispensing Fees Long Distance Phone Calls Stop Payment Orders Certifying a Cheque NSF Charges

The Best of the Best Guaranteed Investment Certificates (GICs) Interest Payment Minimum Deposit Years 1 2 3 4 5 Escalator $1,000 High rate GIC shopping made easy. Click here.

Special GICs  Escalator GICs: 1-5 Years  Escalator GICs | Cashable GICs
Institution	Amount ($)	1 Year	2 Year	3 Year	4 Year	5 Year	Blended Rate
Advisors Advantage Trust
3 Yrs Escalating	1000	2.75	3.25	4.65			3.547
RSP/GIC	May be re-invested or fully redeemed on each anniv. date.
5 Yrs Escalating	1000	2.75	2.85	3.00	3.75	6.50	3.761
RSP/GIC	May be re-invested or fully redeemed on each anniv. date.
3 Yrs Escalating	1000	2.75	3.25	5.50			3.826
RSP/GIC	Non-cashable prior to maturity.
5 Yrs Escalating	1000	2.75	3.00	3.50	4.00	7.50	4.136
RSP/GIC	Non-cashable prior to maturity.
Bank of Montreal
Rate Riser Max - 3 yrs	1000	2.75	3.25	5.50			3.16
RSP/GIC	May be re-invested on the 2nd anniversary date.
	Minimum deposit is $500 for RSP. Available all year.
Rate Riser Max - 5 yrs	1000	2.75	3.00	3.50	4.00	7.50	4.15
RSP/GIC ($500)	May be re-invested on the 3rd and 4th anniversary date.
	Available all year.
Citizens Bank
Escalator - 3 yrs	500	3.50	3.55	4.05			3.70
RSP or RIF	Redeemable on the 1st and 2nd year anniversary date.
Escalator - 5 yrs	500	3.00	3.40	3.70	4.10	4.30	3.70
RSP	Redeemable on the 3rd and 4th year anniversary date.
Concentra Financial
Ratemaker	500			3.535	3.775	3.985	3.765
GIC/RRSP	GIC deposits are issued for 3, 4, and 5 year
	terms at minus 1/4 of the applicable posted rate.
	At any one of the anniversary dates is an opportunity to
	increase the interest rate for the remaining term.
	Written instructions must be received prior to the
	anniversary date. Available all year.
FirstOntario C.U.
Accelerator	500	2.40	3.00	3.40	3.95	6.50	3.85
RSP/GIC	Conversion on the 3rd and 4th anniversary date to regular TD
	for remaining term or longer.
	20 of principal may be withdrawn once a year.
Laurentian Bank
Multi-Rater - 3 yrs	1000	2.70	3.15	3.40			3.083
RSP/RRIF - min. $500
Multi-Rater - 5 yrs	1000	2.75	3.00	3.30	3.50	4.30	3.369
RSP/RRIF - min. $500	Convertible on the 2nd 3rd or 4th anniversary date.
	Redemption request must be received by Laurentian 5 days
	prior to anniversary date. Available all year.
TD Canada Trust
5 Year Stepper GIC	5000	3.00	3.40	3.90	4.00	6.25	4.104
GIC	Cashable on each anniversary date
5 Year Stepper GIC	2500	3.00	3.40	3.90	4.00	6.25	4.104
RSP or RRIF	Cashable on each anniversary date
Government Bonds
Canada Premium Bonds	100	2.75	2.90	3.05			2.90
Series 63	Redeemable on anniversary date each year and 30 days after.
Canada Savings Bonds	100	2.45
Series 113	If compound interest.
	300	2.45
	If regular interest.
	Future rates to be determined each year. Redeemable anytime
	with earned interest paid up to the previous month end,
	except if redeemed within the 3 months following the
	issue date where no interest will be paid.

All prices are subject to change without notice.
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