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| Effective:
Monday, February 06, 2012 |
| Term |
Annual |
RRSP |
RRIF |
| 1 Year |
2.250% |
1.850% |
1.850% |
| 2 Years |
2.260% |
2.050% |
2.050% |
| 3 Years |
2.350% |
2.350% |
2.350% |
| 4 Years |
2.450% |
2.400% |
2.400% |
| 5 Years |
2.750% |
2.750% |
2.750% |
Rates subject to minimums.
Call us for an exact quote. |
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 Phone: 613-722-9999
Toll-Free: 1-888-722-1515
Fax: 613-722-2107
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Financial Learning Centre
What is a GIC?
A GIC (Guaranteed Investment Certificate) is exactly what it promises – a guaranteed investment. When you buy a GIC, you invest a sum of money for...
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What is a GIA or GDA?
Guaranteed Investment Account (GIA) or Guaranteed Deposit Account (GDA) are terms used by Insurance companies for comparable...
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What is a Deposit Broker?
A deposit broker is a one-stop shop for investment products such as GICs, RRSPs, RRIFs and annuities. A broker does all of the shopping on your behalf...
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Who Should Buy a GIC?
With a large range of GICs to choose from, they are suitable for all types of investors – from riskier investors looking for high return and rapid...
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What Do I Need to Get a GIC?
To process your application, Heritage Financial requires a cheque in the amount of your deposit, two pieces of government-issued photo ID and a completed...
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Cashable vs. Non-Cashable
Cashable GICs offer flexibility because they allow the investor to access their money before the GIC’s maturity date. This is convenient if you...
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Registered vs. Non-Registered
Holding GICs inside a registered investment account, such as an RRSP, RRIF or RESP, offers the investor the benefits of a tax shelter. This allows your...
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Tax Free Savings Account
The Tax Free Savings account is available from some of the Financial Institutions we represent.
TFSAs are available for terms from 30 days...
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