Affordable Housing GIC4
Learn more about Affordable Housing GICs.
| Term | Under $25,000 | $25,000 – $50,000 |
|---|---|---|
| 4 Year | 3.80 % | 3.80 % |
GIC and Impact GIC Rates
We offer additional interest rate tiers for larger GIC deposits. Higher deposits earn higher rates. Premium rates are available at the following tiers: $50,000; $100,000; $250,000; $500,000; and $1,000,000 and over. Visit the Tiered and Aggregate Rates page for more details. Speak with a member of our Wealth and Investment team today to learn more.
Impact GIC Rates
Minimum deposit of $500 for members 18 and older. Minimum deposit of $50 for members under 18.
GIC Rates
For terms up to 364 days, the minimum deposit is $5,000. For terms from 1 to 5 years, the minimum deposit is $500 for members 18 and older and $50 for members under 18.
| Term | Under $25,000 | $25,000 – $50,000 |
|---|---|---|
| 30 days | 1.80 % | 1.85 % |
| 60 days | 1.90 % | 1.95 % |
| 90 days | 2.05 % | 2.10 % |
| 180 days | 2.25 % | 2.30 % |
| 270 days | 2.35 % | 2.40 % |
| 270 day - Business Special | 2.85 % | 2.85 % |
| 1 Year | 3.10 % | 3.15 % |
| 1 Year Cashable | 2.05 % | 2.10 % |
| 2 Year | 3.30 % | 3.35 % |
| 3 Year | 3.75 % | 3.75 % |
| 4 Year | 3.80 % | 3.80 % |
| 5 Year | 4.00 % | 4.00 % |
Market-Linked GICs
Visit Market Linked GICs page to learn more about this investment available in 3 and 5 year terms.
Step Term GICs
Minimum deposit of $500 for members 18 and older. Minimum deposit of $50 for members under 18.
3-Year Step Term
Minimum deposit of $500 for members 18 and older. Minimum deposit of $50 for members under 18.
| Year | Rate |
|---|---|
| Year 1 | 2.90 % |
| Year 2 | 3.05 % |
| Year 3 | 3.50 % |
| Compound Return | 3.15 % |
5-Year Step Term
Minimum deposit of $500 for members 18 and older. Minimum deposit of $50 for members under 18.
| Year | Rate |
|---|---|
| Year 1 | 2.90 % |
| Year 2 | 3.05 % |
| Year 3 | 3.50 % |
| Year 4 | 3.60 % |
| Year 5 | 5.70 % |
| Compound Return | 3.75 % |
Investment Shares Dividend Rate
Past Dividend Rates. To learn more, and to see the comparable 5 Year GIC Rates, visit the Investment Shares page.
| Year | 2022 Series | 2019 Series | 2005 Series |
|---|---|---|---|
| 2025 | 4.25 % | 4.25 % | 4.25 % |
| 2024 | 5.00 % | 5.00 % | 5.00 % |
| 2023 | 6.00 % | 6.00 % | 6.00 % |
| 2022 | 5.00 % | 5.00 % | 5.00 % |
| 2021 | — | 4.25 % | 4.25 % |
| 2020 | — | 4.25 % | 4.25 % |
| 2019 (July 1 to December 31) | — | 4.25 % | 4.25 % |
| 2019 (January 1 to June 30) | — | — | 2.51 % |
| 2018 | — | — | 3.14 % |
| 2017 | — | — | 2.50 % |
| 2016 | — | — | 2.50 % |
| 2015 | — | — | 1.83 % |
| 2014 | — | — | 2.56 % |
| 2013 | — | — | 2.62 % |
| 2012 | — | — | 2.37 % |
| 2011 | — | — | 3.07 % |
| 2010 | — | — | 3.45 % |
| 2009 | — | — | 3.41 % |
| 2008 | — | — | 4.01 % |
| 2007 | — | — | 5.16 % |
| 2006 | — | — | 5.12 % |
| 2005 | — | — | 4.65 % |
2025
2022 Series
4.25 %
2019 Series
4.25 %
2005 Series
4.25 %
2024
2022 Series
5.00 %
2019 Series
5.00 %
2005 Series
5.00 %
2023
2022 Series
6.00 %
2019 Series
6.00 %
2005 Series
6.00 %
2022
2022 Series
5.00 %
2019 Series
5.00 %
2005 Series
5.00 %
2021
2022 Series
—
2019 Series
4.25 %
2005 Series
4.25 %
2020
2022 Series
—
2019 Series
4.25 %
2005 Series
4.25 %
2019 (July 1 to December 31)
2022 Series
—
2019 Series
4.25 %
2005 Series
4.25 %
2019 (January 1 to June 30)
2022 Series
—
2019 Series
—
2005 Series
2.51 %
2018
2022 Series
—
2019 Series
—
2005 Series
3.14 %
2017
2022 Series
—
2019 Series
—
2005 Series
2.50 %
2016
2022 Series
—
2019 Series
—
2005 Series
2.50 %
2015
2022 Series
—
2019 Series
—
2005 Series
1.83 %
2014
2022 Series
—
2019 Series
—
2005 Series
2.56 %
2013
2022 Series
—
2019 Series
—
2005 Series
2.62 %
2012
2022 Series
—
2019 Series
—
2005 Series
2.37 %
2011
2022 Series
—
2019 Series
—
2005 Series
3.07 %
2010
2022 Series
—
2019 Series
—
2005 Series
3.45 %
2009
2022 Series
—
2019 Series
—
2005 Series
3.41 %
2008
2022 Series
—
2019 Series
—
2005 Series
4.01 %
2007
2022 Series
—
2019 Series
—
2005 Series
5.16 %
2006
2022 Series
—
2019 Series
—
2005 Series
5.12 %
2005
2022 Series
—
2019 Series
—
2005 Series
4.65 %
Terms and Conditions apply. Annual dividends for Class B Investment Shares are not guaranteed and are declared at the discretion of Kindred's Board of Directors. Class B Investment Shares are not insured by the Financial Services Regulatory Authority of Ontario or any similar public agency. Past payment of dividends is not an indicator of the likelihood of future payment of dividends, or the rate at which any future dividends will be declared.
Savings Rates
Daily Interest Savings Account
(Plan 24)
0.10 %
High Interest Savings Account
0.90 %
High Interest Savings Plus
HISA+
4.50 %
CUBILL Savings
| Balance | Rate |
|---|---|
| $10,000 - $24,999 | 0.70 % |
| $25,000 - $49,999 | 0.80 % |
| $50,000 - $99,999 | 0.90 % |
| $100,000 and up | 1.00 % |
CUBILL savings account earns interest based on your minimum daily balance. On balances between $10,000 and $49,999 interest is earned at the tiered rate on the entire amount. Balances of $50,000 and over earn a premium rate on the amount within the tier.
Rates are subject to change without notice at any time. For more information about Kindred's interest rates, contact us.
Personal Loan Rates
Fixed Rate Loan
Interest Rate from
6.65 %
With a fixed interest rate, your rate and payment stay the same each month, and you know when your loan will be paid off. Since the rate is not variable, changes to the Kindred Prime Rate will not affect your loan.
Variable Rate Loan
Interest Rate from (Kindred Prime Rate + 1.00%)
5.45 %
With a variable interest rate, your rate changes whenever the Kindred Prime Rate changes, but your loan payment stays the same. If interest rates decrease, more of your regular loan payment goes towards your principal (the amount still owed, not including interest), so you may pay off your loan faster. If interest rates increase, more of your regular loan payment goes towards interest and it may take you longer to pay off your loan.
Interest rates are provided for information purposes only and are subject to change at any time without notice. Rates noted here are minimums, your actual loan interest rate is determined by your credit score and ability to repay the loan. Speak to a Personal Lending Specialist to find out if you qualify for credit and what your interest rate will be.
Residential Mortgage Rates
Buying your first home? We'll contribute $1,0001 for your first mortgage to help you get into a home of your own!
Fixed Rate Residential Mortgages
| Term | High Ratio | Conventional |
|---|---|---|
| 1 Year Open | — | 8.25 % |
| 1 Year Closed | — | 5.35 % |
| 2 Year Closed | — | 5.35 % |
| 3 Year Closed | — | 5.05 % |
| 3 Year Closed (Special) | 4.44 % | 4.75 % |
| 4 Year Closed | — | 5.05 % |
| 5 Year Closed | — | 5.05 % |
| 5 Year Closed (Special) | 4.49 % | 4.95 % |
Variable Rate Residential Mortgages
| Term | Rate |
|---|---|
| 5 Year Closed | 4.45 % |
Rates are subject to change without notice at any time and apply to owner-occupied residential mortgages. Annual Percentage Rate (APR) is equivalent to the Annual Interest Rate. APR assumes no fees or charges apply. If fees or charges apply, your APR would increase.
1Applies to three to five-year, fixed-term residential mortgages for first-time homebuyers (owner-occupied).
Foreign Exchange Rates
| Currency | Buy | Sell |
|---|---|---|
| United States (Cash) | 1.3815 | 1.3413 |
| United States (Draft/Cheque) | 1.4128 | 1.3413 |
Foreign exchange rates apply to transactions up to $9,999. Rates are subject to change without notice at any time. For more information about Kindred's interest rates and for better rates for transactions $10,000 and above, please contact us.
Currency exchange is available at all Kindred locations. To exchange currency, please visit the branch and we'd be happy to help you. All branches hold a limited amount of US currency on hand. For large amounts of US dollars, please order five days in advance.