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Email this12:29 pm
September 30, 2017
Online
norris2 said
I opened a very small future-dated GIC account to double check if the rates stays at 4.60% in the event they increase/decrease by sept 8.
Another loophole could be: after the future-dated gic is opened, they appear to let you edit the future-dated funding transaction to a date even further out than 15 days. But I haven't tested this, perhaps it errors out on the final step.
... Now Tangerine give you the opportunity to test them. 1-yr rate dropped to 4.40% after 3 days.
1:28 pm
September 7, 2018
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hwyc said
... Now Tangerine give you the opportunity to test them. 1-yr rate dropped to 4.40% after 3 days.
Early last week, my contact at Scotiabank said he doubted that One year GIC rate would stay above 4.5% and he sure was right. The Tangerine rate 4.6% was dropped to 4.4% quickly as was their 6 month rate which had been 4% for a very limited time to 3.75%.
6:48 pm
July 30, 2022
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hwyc said
... Now Tangerine give you the opportunity to test them. 1-yr rate dropped to 4.40% after 3 days.
Still shows 4.60% in the GIC details...
Had to call customer service on Friday about a different matter so I asked about this scenario - the guy sort of scoffed as if it was a dumb question. He said the original rate is locked in regardless of the funding date.
7:18 am
September 30, 2017
Online
norris2 said
Still shows 4.60% in the GIC details...
Had to call customer service on Friday about a different matter so I asked about this scenario - the guy sort of scoffed as if it was a dumb question. He said the original rate is locked in regardless of the funding date.
Liked 
6:15 am
September 30, 2017
Online
Tangerine rates are trending up again … delighted to see the 4.25% 270-day term again ... any other runner-up in that vicinity ?
... refer to chart for 1-5 yr rates after today's refresh
8:20 am
September 11, 2013
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1-year at 4.7%, puts them at top of chart.
Wife signed in and got offered 4% on 6-month term (nothing for me), posted rate is 3.7%, are they offering random GIC promo rates now?
11:44 am
July 9, 2020
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The most interesting rates to me at Tangerine right now are:
270 Day 4.25%
1 Year 4.70%
1:02 pm
May 28, 2013
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The US$ one year GIC at 4.00% is also quite attractive. You can also get 4.25% for the 1.5 year term.
Much better than parking US cash in the EQ savings account at 1.4%.
3:47 pm
January 7, 2020
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Can anyone comment on this:
I want to buy a gic from Tangerine, but I have to transfer the money in first, and I really don't care to have it sitting at 1% for a week-- which I think is their hold policy
I called in to ask, and was told I could use the money the next business day to buy the gic, or maybe the second business day...
Didn't install a lot of confidence in me in knowing what to expect to happen
5:07 pm
March 30, 2017
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mustang said
Can anyone comment on this:
I want to buy a gic from Tangerine, but I have to transfer the money in first, and I really don't care to have it sitting at 1% for a week-- which I think is their hold policy
I called in to ask, and was told I could use the money the next business day to buy the gic, or maybe the second business day...
Didn't install a lot of confidence in me in knowing what to expect to happen
You can call in and they can remove the hold for your funds and allow u to purchase a GIC right the way. That’s how it’s done at numerous FIs, with EQ the notable exception that I am aware of.
5:39 pm
January 7, 2020
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Thanks-- much appreciated
7:34 am
September 30, 2017
Online
Some off-chart changes today
1.5y 4.85% (was 4.70%)
180d 3.40% (was 3.70%)
270d 3.50% (was 4.25%)
12:44 pm
September 7, 2018
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hwyc said
Some off-chart changes today1.5y 4.85% (was 4.70%)
180d 3.40% (was 3.70%)
270d 3.50% (was 4.25%)
Those are considerable decreases in the 180d and 270d. Not that long ago the 180d was 4%. It is obvious they want you to lock in longer eg 1.5 Years @ 4.85%. The 4.85% is so much larger than the 3.40% and 3.50%. The downside might be the 1.5 Years.
5:48 am
September 30, 2017
Online
Tangerine GIC rate change
180 Day 3.75% (was 3.40%)
270 Day 4.00% (was 3.50%)
1-1/2 Year 5% (was 4.85%) 
... but not 1-yr or 2-yr
Check new 1-5 yrs rates on the GIC chart
7:12 am
January 11, 2020
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5 yr 5.2 highest on the Board now
12:38 pm
April 14, 2021
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GIC Wealth still offering the 5-yr 5.25% from Habib Canada Bank.
2:01 pm
January 12, 2019
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.
Geta Loada This ➡ https://www.highinterestsavings.ca/gic-rates/
Tangerine Bank is at the Top of the list ❗❗
The world has gone 'Upside Down'.
Well, Bust My Buttons
- Dean
" Live Long, Healthy ... And Prosper! "
4:38 am
March 30, 2017
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Looks like they are enticing those that were not part of the new 4.3% offer to lock into a 1yr, and further reduce their funding ‘volatility’ for the next 12 months.
6:27 am
November 8, 2018
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savemoresaveoften said
Looks like they are enticing those that were not part of the new 4.3% offer to lock into a 1yr, and further reduce their funding ‘volatility’ for the next 12 months.
Probably, but there is little sense to lock in GICs now, when BoC keeps increasing rates and when HISA promos are good enough to wait and see when this interest rate increase bonanza will start slowing down.
Please write your comments in the forum.