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Email this6:18 pm
July 10, 2011
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Rate Update
We're sorry to share that our rates are decreasing on Thursday, June 11.
Our new rates will be:
High-interest savings - 1.80%
1-year term - 1.95% average
2-year term - 2.05%
3-year term - 2.10%
4-year term - 2.20%
5-year term - 2.30%
VIEW RATES
QUESTIONS?
If you have any questions, give us a shout. We're here Monday - Friday, 8am - 8pm CST, and Saturday, 8am - 4pm CST.
Phone: 1-855-448-2378
Chat: http://www.happysavings.ca
Email: hubert@happysavings.ca
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7:13 pm
April 15, 2020
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They adjust rates to be competitive. I am sure Hubert is a good place to buy GICS. There are 6 big banks. There are dozens of CU to choose from. I am happy to live in Ontario. I purchase GICS at a Manitoba CU. At end of June my semi-annual statement at CU will be corrected. Enjoy the summer.
3:20 am
February 17, 2013
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Kind of decides for me whether or not to open another 1 yr GIC @ Hubert or let it sit in Motive @ 2.05.
4:24 am
April 15, 2020
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Not worth switching from your current FI.
7:16 am
October 15, 2015
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I'm glad i locked in. Thanks to i believe gic investor's suggestion to take it from my savings account. My gic matures june 16 and i would have had this rate decrease at renewal.
8:48 am
April 15, 2020
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christinad said
I'm glad i locked in. Thanks to i believe gic investor's suggestion to take it from my savings account. My gic matures june 16 and i would have had this rate decrease at renewal.
Nothing wrong with that. I do the same.
11:23 am
February 17, 2013
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Nice thing about Hubert...you can open a GIC online with no money and they will hold the rate. The maturity/interest date is when it was opened, not when you contribute. Did that with my last RSP. Opened it after a rate cut announcement, and funded it nine days later. Lost nine days interest on the term, but kept the rate and my ladder in order ( I hate ladders that mature at different dates...too hard to keep track of).
1:59 pm
April 15, 2020
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Rick said
Nice thing about Hubert...you can open a GIC online with no money and they will hold the rate. The maturity/interest date is when it was opened, not when you contribute. Did that with my last RSP. Opened it after a rate cut announcement, and funded it nine days later. Lost nine days interest on the term, but kept the rate and my ladder in order ( I hate ladders that mature at different dates...too hard to keep track of).
The FI holds the rate up to a fixed length of time. The first term deposit I tried assembling as much as possible. They gave me 30 days to find the money. After 15 days I purchased a large 120 day deposit. I like my GICS maturing around the same date annually. I took a few months for the correct plan. Easier to keep track.
10:24 pm
October 21, 2013
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I didn't know they would give you 30 days to fund your GIC. That is really excellent.
It's the equivalent of holding a rate, but most FIs won't hold more than a couple of weeks.
10:23 am
October 15, 2015
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Rick posted Hubert will hold the rate for a gic. Do you know how long they will do this? I opened a gic account but i don't want to fund it for a couple of weeks.
2:02 pm
December 12, 2009
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christinad said
Rick posted Hubert will hold the rate for a gic. Do you know how long they will do this? I opened a gic account but i don't want to fund it for a couple of weeks.
Hi Christina,
Not off-hand...I would probably give them a quick call (before they close today, if you can make it) and check. Two weeks seems like a bit long, but I think some people have had success with Hubert holding rates for a week or so?
Cheers,
Doug
5:35 pm
October 21, 2013
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Somebody did post this information a little while ago. I can't remember the answer for sure but I thought it was unusually long, maybe even as long as a month.
I have a note in my file to the effect that MAXA will hold a rate for 21 days, so it might be similar at Hubert.
I think it was Rick(?) who used this system to lock into a TFSA GIC in December for the subsequent year's contribution.
8:02 am
December 7, 2011
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christinad said
Rick posted Hubert will hold the rate for a gic. Do you know how long they will do this? I opened a gic account but i don't want to fund it for a couple of weeks.
For many years I tried that about 20 times and results were different.
Sometimes unfunded GIC will remain opened for 30 days max, but recently I had experiences, when unfunded GIC were automatically closed after 3 days.
No help from customer service regarding that. They say it's done automatically by "system" and suggested that I should fund my GIC's as soon as possible after GIC opening.
9:37 am
December 12, 2009
Online
Winnie said
For many years I tried that about 20 times and results were different.
Sometimes unfunded GIC will remain opened for 30 days max, but recently I had experiences, when unfunded GIC were automatically closed after 3 days.
No help from customer service regarding that. They say it's done automatically by "system" and suggested that I should fund my GIC's as soon as possible after GIC opening.
This is really helpful, more contemporary context on Hubert's processes re: GIC funding, Winnie. It sounds like they maybe used to allow GICs to be funded within 30 days, but have since shortened it to 3 days.
It's a helpful reminder that these sort of procedural or internal process changes require no advance notice to members/customers; banks and credit unions can change them at will. Banks and federal credit unions, but not provincial credit unions, must provide advance notification of changes to interest rates, service charges, and account agreements. This procedural change is not covered by the advance notification requirements.
Cheers,
Doug
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