Term Deposits

Term Deposits

At DUCA, insurable non-registered deposits are covered up to $250,000. Insurable deposits in registered accounts have unlimited deposit coverage.

For further information on deposit insurance, please ask for a brochure in-branch or visit DICO's website at www.dico.com. 

 

Cashable Term Deposits
Flex20 GIC (20-month)*
1.80%
Flex30 GIC (30-month)**
2.35%
Flex40 GIC (40-month)***
2.75%
Flex50 GIC (50-month)****
3.00%
Cashable 3 Year Term Deposit*****
3.25%
RRSP / RESP / RRIF / LIF
60 - 179 Day
0.75%
180 - 269 Day
1.00%
270 - 364 Day
1.25%
1 Year
2.80%
18 Month
2.80%
2 Year
2.90%
3 Year
3.25%
4 Year
3.00%
5 Year
3.75%
7 Year
3.50%
Non-Redeemable Term Deposit / TFSA
60 - 179 Day
0.75%
180 - 269 Day
1.00%
270 - 364 Day
1.25%
1 Year
2.80%
18 Month
2.80%
2 Year
2.90%
3 Year
3.25%
4 Year
3.00%
5 Year
3.75%
7 Year
3.50%
Redeemable Term Deposit
32 - 59 Day
0.50%
60 - 89 Day
0.60%
90 - 119 Day
0.70%
120 - 179 Day
0.75%
180 - 269 Day
0.80%
270 - 364 Day
1.00%
1 Year
2.00%
2 Year
2.10%
3 Year
2.25%
4 Year
2.45%
5 Year
2.75%
7 Year
3.00%
US$ 32 - 365 Day (min. $5,000)
0.75%
Prime-Linked GIC/RRSP/TFSA/RRIF
1 year (Prime - 1.50%)******
2.45%
3 year (Prime - 1.05%)******
2.90%
5 year (Prime - 0.95%)******
3.00%

All rates stated are per annum. All CDN$ term deposits, RRSPs, RRIFs, RESPs, and LRIFs have a $500 minimum. On non-redeemable term deposits, interest is paid or compounded annually.

*Cashable after 12 months at 0.80%. Available in non-registered, RRSP, TFSA, RRIF and LIRA plans. 

**Cashable after 12 months at 1.35%. Available in non-registered, RRSP, TFSA, RRIF and LIRA plans. 

***Cashable after 12 months at 1.75%. Available in non-registered, RRSP, TFSA, RRIF and LIRA plans. 

****Cashable after 24 months at 2.35%.  Minimum deposit of $100,000. Available in non-registered, RRSP, TFSA, RRIF and LIRA plans.

*****Cashable on annual anniversary date without penalty. Available for registered & non-registered products.

******Rate rises automatically when the Prime Rate increases. Rate is guaranteed not to fall below 3.00% for the 5 year term, 2.90% for the 3 year term, and 2.45% for the 1 year term. Prime-Linked GIC is non-redeemable.

Contact your branch for more information or call Member Connect at 1-866-900-3822.