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Rates

High Interest Savings & GICs

Maximize your savings with our market-leading interest rates.

Hand holding smartphone displaying Achieva Financial app with adjustable investment amount and term-based rate and estimated interest table.

3.95

The 3 Year GIC

GIC Rates

All deposits guaranteed without limit by the Deposit Guarantee Corporation of Manitoba.

*All rates and conditions subject to change without notice.

In the GIC market, smaller CDIC or provincial institutions continue to set the pace… Achieva Financial maintains top rates...

– The Globe and Mail

Secure returns. Flexible options.

Saving with Achieva Financial is always easy to access, safe and secure.

TFSA GIC

A flexible, general‑purpose savings vehicle to earn investment income tax‑free.

RRSP GIC

Reduce your taxable income through deductible contributions, while growing savings on a tax‑deferred basis.

RRIF GIC

Enjoy a secure and flexible source of income during retirement (RRSP converts to RRIF at age 71).

TFSA Savings Account

Grow your money tax-free with penalty‑free access when you need it.

RRSP Savings Account

Save for retirement with a tax break now, and tax‑deferred growth until you withdraw.

RRIF Savings Account

Keep your funds accessible and secure with a flexible source of income during retirement.

GIC Laddering

While you may be tempted to keep your money in a high-interest savings account, watching the interest rate movements for that right moment to invest in a GIC, there is a better solution.

You can choose to continuously invest your savings at the highest interest rate available. It is called a GIC Laddering Strategy and it is quite simple to do.

Instead of investing all funds in a single 5-year GIC, you can split your money across different maturities (e.g. 1, 2, 3, 4, and 5 years).

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Reduces interest rate risk

If rates rise, a portion of the portfolio matures each year and can be reinvested at higher rates.
If rates fall, some funds remain locked into the previously higher rates.

Improves liquidity

Funds become available regularly as each GIC matures.
This provides access to cash without breaking long-term GICs.

Potentially increases yield

Longer-term GICs often pay higher rates than short-term GICs.
A ladder captures some of the premium from longer maturities while maintaining annual access to funds.

Creates predictable cash flow

Useful for retirees or investors who want a reliable stream of maturing investments to fund spending needs.

Diversifies reinvestment timing

Avoids the risk of investing an entire lump sum when rates are unusually low.
Spreads reinvestment decisions across different market environments.

GIC Interest

GIC interest rates quoted are per annum, with interest calculated and paid on each 12 month anniversary date, and at maturity. Interest rates are guaranteed for the duration of the specified term. GICs are not redeemable prior to maturity.

GIC Interest

Non-Registered

The interest rate shown applies to all non-registered Daily Interest Savings Accounts.

Registered

The interest rate shown applies to all registered TFSAs, RRSPs and RRIFs.

Rate Title

Rate

Effective:

Date

Secure your savings with confidence.

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Purchase GIC

A Guaranteed Investment Certificate (GIC) is simple to purchase and you’ll earn a higher return than your Savings Account.

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Estimated Interest

Estimated payment for illustration purposes only.

In the estimated interest calculation, we assume the following: (i) the stated interest rate remains constant throughout the term; (ii) interest is calculated on the investment amount without additional deposits or withdrawals; and (iii) interest is paid at the end of the term. Actual interest earned may differ and will be determined at the time of signing the GIC Agreement.

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