Smaller banks, trust companies and credit unions have lower operating costs and they pass on the savings to depositors in the form of higher rates. GIC Simple intelligently optimizes the interest rate paid on your cash each day by searching for the best prevailing rates and gives you the convenience of transacting on a single convenient portal. GIC Simple members typically earn 1.2% to 2.0% more than they currently do at the traditional major Canadian “bricks and mortar” banks.

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