KeyReturn® GIC

Growth, plain and simple.

Whatever you’re saving for, our KeyReturn GIC can help you get there.



Term 1 to 5 years
Minimum investment $1,000
Interest rate Guaranteed for length of term
Interest paid Annually*


  • You can choose to have your interest paid annually to your KeyRate® Savings Account or have it compound and paid at maturity
  • Once it matures, you can have it automatically renew, or transfer to your KeyRate Savings Account
  • If you are 57 or over, you can have interest paid to your KeyRate Savings Account monthly with our GoldKey® service


Non-Redeemable KeyReturn GICs* (Rates effective 2017-03-20) Rates
12 Month Term 1.51%
24 Month Term 1.69%
36 Month Term 1.85%
48 Month Term 2.05%
60 Month Term 2.20%

All rates quoted are annual interest rates and are subject to change without notice.

*The holder has the option to receive interest paid annually into a KeyRate Savings Account or to have the interest compounded annually and paid at maturity. On KeyReturn GICs with a term of at least 12 months, customers eligible for GoldKey service also have the option of having interest paid monthly into a KeyRate Savings account.

All KeyReturn GICs have a minimum balance of $1,000. Please contact us for rates on KeyReturn GIC balances over $1,000,000.