Manulife Wealth | Line Brokers | GIC & Investment Savings Rate Sheet

	B	C	D	E	F	G	H
1
2	GIC & Investment Savings Rate Sheet
3	Rates as at 01/19/2026
4
5	Guaranteed Investment Certificate (GIC) Issuer	Compound-Annual Rate (%)
6		1 YR	1.5 YR	2 YR	3 YR	4 YR	5 YR
7	Bank/Trust
8	B2B Bank (B2B)	2.92	-	3.24	3.45	3.47	3.68
9	Bank of Montreal (BBOM)	1.50	1.63	1.75	2.00	2.00	2.00
10	BMO Mortgage (BBMM)	1.50	1.63	1.75	2.00	2.00	2.00
11	BMO Trust (TTRC)	1.50	1.63	1.75	2.00	2.00	2.00
12	Bank of Nova Scotia (BNSA)	2.45	-	2.65	2.80	2.85	3.00
13	Bank of Nova Scotia Trust (BNST)	2.45	-	2.65	2.80	2.85	3.00
14	Bridgewater Bank (BWBT)	2.97	3.00	3.24	3.49	3.15	3.77
15	Coast Capital Savings (CCSA)	2.85	2.85	3.15	3.35	3.40	3.45
16	Concentra Bank (CONC)	2.87	-	3.24	3.47	3.52	3.61
17	Equitable Bank (EQTR)	2.87	-	3.24	3.47	3.52	3.61
18	Equitable Trust (EQTT)	2.87	-	3.24	3.47	3.52	3.61
19	General Bank (GENB)	2.91	-	3.15	3.30	3.00	3.35
20
21	Haventree Bank (HAVE)	2.91	-	3.24	3.48	3.51	3.59
22	Home Bank (HOBK)	2.90	3.05	3.21	3.44	3.47	3.69
23	Home Trust (HOME)	2.90	3.05	3.21	3.44	3.47	3.69
24	ICICI Bank (ICIC)	2.72	-	3.10	3.40	3.47	3.63
25	Laurentian Bank (LAUB)	2.92	-	3.24	3.45	3.47	3.68
26	Laurentian Trust (LNTR)	2.92	-	3.24	3.45	3.47	3.68
27	LBC Trust (LBCT)	2.92	-	3.24	3.45	3.47	3.68
28	MCAN Mortgage (MCAP)	2.85	2.85	3.21	3.44	3.50	3.61
29	Manulife Bank (MANB)	2.55	-	2.75	3.05	3.25	3.45
30	Manulife Trust (MLTC)	2.55	-	2.75	3.05	3.25	3.45
31
32	Montreal Trust (MONT)	2.45	-	2.65	2.80	2.85	3.00
33	Natcan Trust (NTAS)	2.45	2.50	2.65	2.80	2.85	3.00
34	National Bank (NATB)	2.45	2.50	2.65	2.80	2.85	3.00
35	National Trust (NATI)	2.45	-	2.65	2.80	2.85	3.00
36	Peoples Trust (PEOP)	2.50	-	2.75	2.80	2.90	3.00
37	RFA Bank (RFAC)	2.94	-	3.25	3.49	3.51	3.50
38	Royal Bank Mortgage (RBCM)	2.45	-	2.65	2.80	2.85	3.00
39	Scotia Mortgage (SMRC)	2.45	-	2.65	2.80	2.85	3.00
40	VersaBank (PWBK)	2.88	-	3.15	3.31	3.25	3.45
41
42	Credit Union
43	Innovation Federal (INCU)	2.95	3.20	3.20	3.20	3.20	3.20
44	Meridian Credit Union (MRDN)	2.88	-	3.16	3.40	3.45	3.60
45	FirstOntario Credit Union (FOCU)	2.91	-	3.22	3.36	3.46	3.46
46	VanCity Credit Union (VANC)	2.65	-	2.65	2.80	2.95	3.00
47
48	Best Posted Rate	2.97	3.20	3.25	3.49	3.52	3.77
49
50	Short-Term GIC \| CDIC insured	Rate (%)
51
52	9 months	2.85
53	6 months	2.80
54	3 months	2.65
55
56	Variable-Rate GIC \| Principal Protected Note	Rate (%)
57
58	15-year - Extendible Linear	6.15
59	5-year - Extendible Linear	4.05
60	Additional Notes (2-15 years) available upon request	-
61
62	Cash Savings Fund \| Money Market
63
64	PFC Cash Savings (R-1 High)	2.23	1
65
66	Investment Savings Account (ISA) \| CDIC insured	Rate (%)
67
68	Manulife Bank (MIP)	2.10
69	Manulife Trust (MIP)	2.10
70	Bank of Nova Scotia (DYN)	1.95
71	Bank of Nova Scotia Trust (DYN)	1.95
72	Equitable Trust (ETR)	1.80
73	National Bank (NBC)	1.80
74	National Bank Trust (NBC)	1.80
75	Natcan Trust (NBC)	1.80
76	Royal Bank (RBF)	1.80
77	TD Bank (TDB)	1.80
78
79	USD Cash Savings Fund	Rate (%)
80
81	PFC US Savings	3.78
82
83	Canada Key Rates	Rate (%)
84
85	Bank of Canada Overnight Rate	2.25
86	Canada Prime Rate	4.45
87
88	Resources for Condo/Strata Boards & Condo/Property/Strata Managers
89
90	The Standard of Conduct for Boards and Managers	LINK
91	Reserve Fund Planning - Investment Strategy	LINK
92
93	Deposit Insurance
94
95	Canada Deposit Insurance Corporation \| $100,000 per issuer	LINK
96	Financial Services Regulatory Authority \| $250,000 per issuer	LINK
97	Credit Union Deposit Insurance Corp \| unlimited insurance	LINK
98
99	0% Fee Investing Our posted rates are actual. All listed issuers & rates are available for purchase with no transaction, administration or annual plan fees.
100	Discount Premier Wealth Looking beyond term deposits? Our enhanced full-service brokerage provides complete market access at a 50-75% discount on fees.