Guaranteed Interest Fund (GIF) and High Interest Savings Account (HISA) Rates

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Type of contract

Savings

Insurance – universal life policies

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Products offered for new contracts

Products not offered for new contracts

Product family

Savings

In effect on November 17, 2023¹

More than just a rate!

High return, no risk
Can be held by individuals and corporations
Possible creditor protection
No management fees
Quick and easy payment in the event of death
Available in all types of registration
GIF: Redeemable at any time²
HISA: Withdrawals possible at any time, with no fees

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Guaranteed Interest Fund Rates

Guaranteed Interest Fund Rates
Term	Amount to be invested
	$500 to $24,999	$25,000 to $99,999	$100,000 to $199,999	$200,000 to $499,999	$500,000 to $999,999
1 month renewable³	3.45%	3.45%	3.45%	3.45%	3.45%
1 year	4.70%	4.85%	4.90%	4.95%	5.00%
2 years	4.65%	4.80%	4.85%	4.90%	4.95%
3 years	4.60%	4.75%	4.80%	4.85%	4.90%
4 years	4.60%	4.75%	4.80%	4.85%	4.90%
5 years	4.65%	4.80%	4.85%	4.90%	4.95%
10 years	4.70%	4.85%	4.90%	4.95%	5.00%

5-Year Progressive Rates

5-Year Progressive Rates
Term	Amount to be invested
	$500 to $24,999	$25,000 to $99,999	$100,000 to $199,999	$200,000 to $499,999	$500,000 to $999,999
1st year	4.10%	4.25%	4.30%	4.35%	4.40%
2nd year	4.25%	4.40%	4.45%	4.50%	4.55%
3rd year	4.55%	4.70%	4.75%	4.80%	4.85%
4th year	4.95%	5.10%	5.15%	5.20%	5.25%
5th year	5.40%	5.55%	5.60%	5.65%	5.70%

High Interest Savings Account rates and Daily Interest Fund+ rates

The current rate is 4.35%.

¹ Rates are reviewed weekly and are subject to change without notice.

² Redemption fees may apply if withdrawals are made before the maturity date.

³ Annualized simple rate; annualized compound rate for other terms.

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