Guaranteed Interest | Best Rates
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With having MWFS as your Deposit Broker, you receive competitive rates from the marketplace. Your deposit is made in a low risk product issued by a financial institution such as a bank, trust company, credit union or life insurance company. We represent leading Financial Institutions that offer term deposits, short term deposits, guaranteed investment certificates, and guaranteed investment accounts.
The MWFS team is experienced, knowledgeable and is dedicated to providing you with the savings and investment products that are right for you.
Rates effective: Nov 18, 2025
Rate Term | GIC & GIA | TFSA | RRSP | RRIF |
|---|---|---|---|---|
| 1 Year | 2.95% | 2.75% | 2.76% | 2.76% |
| 18 Month | 2.85% | 2.75% | 2.75% | 2.75% |
2 Year | 3.18% | 2.85% | 3.15% | 3.15% |
3 Year | 3.28% | 2.95% | 3.27% | 3.27% |
4 Year | 3.30% | 3.00% | 3.30% | 3.30% |
5 Year | 3.35% | 3.15% | 3.30% | 3.30% |
| 10 Year | 3.75% | 3.35% | 3.75% | 3.70% |
| 15 Year | 3.70% | N/A | 3.70% | 3.70% |
Cashable Deposits
| 1 Year - Redeemable after 30 days | 0.25% |
| 1 Year - Redeemable after 90 days | 0.60% |
US$ Dollar Deposits
| Daily Interest Account (DIA) | 0.20% |
| 1 Year GIC | 0.20% |
Short Term Deposits
| 30 to 59 days | 1.60% |
| 60 to 89 days | 1.70% |
| 90 to 119 days | 2.00% |
| 120 to 179 days | 2.00% |
| 180 to 269 days | 2.45% |
| 270 to 364 days | 2.80% |
High Interest Savings Accounts (HISA) / High Interest Accounts (HIA)
| Individual | 1.85% |
| Advantage Account | 4.50%* |
| Business Advantage Account | 1.45% |
| RSP | 1.05% |
| TFSA Advantage Account | 1.05% |
| US Dollar | 0.20% |
All HISA accounts are Variable rates - Interest is calculated on the closing daily balance and paid monthly. For registered account, withholding taxes may apply if funds are withdrawn or moved to a non-registered account. | |
NOTES:
- Effective date and interest rate will be the date funds are deposited with the Financial Institution;
- For amounts greater than $500,000 or for more information, please contact Macnaughton & Ward Financial at 1.800.397.0115;
- Canada Deposit Insurance Corporation (CDIC) protects eligible deposits held at each member institution up to a maximum $100,000 per separate insured category (i.e. NonReg/Open + TFSA + RSP + RIF = up to $400,000);
- Credit Union Deposit Insurance Corporation (CUDIC) insures eligible Canadian $ deposits at member institutions (unlimited amounts for BC Credit Unions);
- Posted rates are annual unless otherwise stated;
- All rates and minimum deposit amounts are subject to change without notice;
- Annual, semi-annual and monthly interest available for non-registered only;
- RSP, RIF and non-registered GICs are not redeemable before maturity except upon death. Tax Free GICs are redeemable before maturity in full only (not partially) and are subject to market value adjustment and expense recovery fees; and
- Daily Terms -- Interest is calculated daily on the total daily balance and paid monthly. For Registered plans, withholding taxes may apply if funds are moved to a non-registered account &/or withdrawn.
