gics / rrsps / savings / tfsa

Pacific & Western offers an attractive selection of savings and investment products (GICs, RRSPs, Savings, TFSA), all of which are eligible for insurance from CDIC (see our list of deposit products) and made available through a nationwide network of deposit brokers and financial advisors.

By building a "branchless" bank with an efficient system for raising deposits, we incur lower operating costs and can offer competitive interest rates along with the security that CDIC provides.

Put our productivity to work for your investments.

Guaranteed Investment Certificates

Our competitive interest rate GICs are eligible for insurance with CDIC. They are assignable, transferable* and available in terms from thirty days to five years. Please see our current interest rates.

*A nominal fee may apply

Registered Retirement Savings Plans

Registered GICs provide the additional benefit of tax-protected earnings to help build for your retirement in the future in addition to a deduction on your tax return today. Registered GICs are available in terms from one to five years. See our current interest rates.

Savings

Our Sunrise Daily Interest Savings Account offers you one of the highest interest rates in the country, the security of deposits eligible for CDIC insurance, and the flexibility of a savings account available at any time. Interest is calculated daily on the closing balance and paid monthly.

Here's what you don't get – no locked-in funds, no minimum balance, no monthly fees, and no reinvestment dates to remember. See Terms & Conditions for more information.

Tax-Free Savings Account(TFSA)

Our TSFA includes both our high interest Sunrise Savings Account and our one to five year compounding Guaranteed Investment Certificates. Please see our current interest rates for both products. Refer to our Tax-Free Savings Account Agreement for detailed Terms & Conditions.